Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Banco Popular of Puerto Rico (“BPPR”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participating businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean BPPR.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
“Deposit Account Agreement” means the Individual Deposit Account Agreement between you and BPPR that governs the Designated Account. These Terms and Conditions are part of, and supplement, the Deposit Account Agreement.
“Designated Account” means a savings account (including ATH POP Account) or checking account of the user with BPPR corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to the business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by BPPR corresponding to a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by BPPR that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by BPPR
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service and to hold an ATH POP Account. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for (i) the minor's use of the Service and (ii) registering the ATH POP Account established for the minor as the Designated Account. Remember that by enabling Mi Banco Alerts from Mi Banco you can receive transfer notifications and monitor the activity in the ATH POP Account.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. BPPR, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize BPPR and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card, using the credentials of your Mi Banco Online profile. If you haven't registered in Mi Banco Online, you may do so during the information validation process. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the user’s Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other certain payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may represent service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You will be able to view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to make Payment and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. You will be able to receive disbursements of funds from certain businesses registered with ATH Business.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither BPPR nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts (defined below).
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at 787-724-3655.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call 787-724-3655. Claims will be subject to these Terms and Conditions and to the terms and conditions of any existing agreements you have with us linked to the Designated Accounts, including the Deposit Account Agreement and the Electronic Banking Services Agreement, available at https://documents.popular.com/terms/mibanco/terms-conditions-es?redirect=true (“Existing Contracts”). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with BPPR and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling 787-724-3655 (available 7 days a week, 24 hours a day).
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties.
You further agree not to use the Service for activities related to transactions involving (1) narcotics, steroids, controlled substances, or products that pose a safety risk to consumers, (2) drug paraphernalia, (3) ammunition, firearms, or firearm parts or accessories, or (4) weapons or blades regulated by law.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, we reserve the right to charge Service fees at any time with prior notice.
Service Limitations.
BPPR and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither BPPR, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither BPPR, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither BPPR, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at 787-724-3655. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. BPPR, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER BPPR, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. BPPR AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. BPPR, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
BPPR, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL BPPR, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY BPPR, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither BPPR, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Caribe Federal Credit Union (“Caribe Federal Credit Union”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Caribe Federal Credit Union.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Caribe Federal Credit Union that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Caribe Federal Credit Union corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Caribe Federal Credit Union associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Caribe Federal Credit Union that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Caribe Federal Credit Union
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Caribe Federal Credit Union, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Caribe Federal Credit Union and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Caribe Federal Credit Union nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 474-5151.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 474-5151. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Caribe Federal Credit Union. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Caribe Federal Credit Union and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 474-5151.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Caribe Federal Credit Union and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Caribe Federal Credit Union, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Caribe Federal Credit Union, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Caribe Federal Credit Union, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 474-5151. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Caribe Federal Credit Union, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Caribe Federal Credit Union, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Caribe Federal Credit Union AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Caribe Federal Credit Union, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Caribe Federal Credit Union, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Caribe Federal Credit Union, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Caribe Federal Credit Union, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Caribe Federal Credit Union, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Coop. Colegio de Ingenieros y Agrimensores CIAPR (“Coop. Colegio de Ingenieros y Agrimensores CIAPR”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Coop. Colegio de Ingenieros y Agrimensores CIAPR.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Coop. Colegio de Ingenieros y Agrimensores CIAPR that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Coop. Colegio de Ingenieros y Agrimensores CIAPR corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Coop. Colegio de Ingenieros y Agrimensores CIAPR associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Coop. Colegio de Ingenieros y Agrimensores CIAPR that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Coop. Colegio de Ingenieros y Agrimensores CIAPR
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Coop. Colegio de Ingenieros y Agrimensores CIAPR, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Coop. Colegio de Ingenieros y Agrimensores CIAPR and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Coop. Colegio de Ingenieros y Agrimensores CIAPR nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 751-1248.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 751-1248. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Coop. Colegio de Ingenieros y Agrimensores CIAPR. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Coop. Colegio de Ingenieros y Agrimensores CIAPR and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 751-1248.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Coop. Colegio de Ingenieros y Agrimensores CIAPR and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Coop. Colegio de Ingenieros y Agrimensores CIAPR, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Coop. Colegio de Ingenieros y Agrimensores CIAPR, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Coop. Colegio de Ingenieros y Agrimensores CIAPR, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 751-1248. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Coop. Colegio de Ingenieros y Agrimensores CIAPR, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Coop. Colegio de Ingenieros y Agrimensores CIAPR, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Coop. Colegio de Ingenieros y Agrimensores CIAPR AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Coop. Colegio de Ingenieros y Agrimensores CIAPR, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Coop. Colegio de Ingenieros y Agrimensores CIAPR, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Coop. Colegio de Ingenieros y Agrimensores CIAPR, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Coop. Colegio de Ingenieros y Agrimensores CIAPR, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Coop. Colegio de Ingenieros y Agrimensores CIAPR, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Coop. Empleados Municpales Guaynabo (MuniCoop) (“Coop. Empleados Municpales Guaynabo (MuniCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Coop. Empleados Municpales Guaynabo (MuniCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Coop. Empleados Municpales Guaynabo (MuniCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Coop. Empleados Municpales Guaynabo (MuniCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Coop. Empleados Municpales Guaynabo (MuniCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Coop. Empleados Municpales Guaynabo (MuniCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Coop. Empleados Municpales Guaynabo (MuniCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Coop. Empleados Municpales Guaynabo (MuniCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Coop. Empleados Municpales Guaynabo (MuniCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Coop. Empleados Municpales Guaynabo (MuniCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 720-2470.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 720-2470. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Coop. Empleados Municpales Guaynabo (MuniCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Coop. Empleados Municpales Guaynabo (MuniCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 720-2470.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Coop. Empleados Municpales Guaynabo (MuniCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Coop. Empleados Municpales Guaynabo (MuniCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Coop. Empleados Municpales Guaynabo (MuniCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Coop. Empleados Municpales Guaynabo (MuniCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 720-2470. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Coop. Empleados Municpales Guaynabo (MuniCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Coop. Empleados Municpales Guaynabo (MuniCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Coop. Empleados Municpales Guaynabo (MuniCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Coop. Empleados Municpales Guaynabo (MuniCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Coop. Empleados Municpales Guaynabo (MuniCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Coop. Empleados Municpales Guaynabo (MuniCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Coop. Empleados Municpales Guaynabo (MuniCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Coop. Empleados Municpales Guaynabo (MuniCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Coop. Hatillo (Haticoop) (“Coop. Hatillo (Haticoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Coop. Hatillo (Haticoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Coop. Hatillo (Haticoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Coop. Hatillo (Haticoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Coop. Hatillo (Haticoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Coop. Hatillo (Haticoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Coop. Hatillo (Haticoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Coop. Hatillo (Haticoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Coop. Hatillo (Haticoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Coop. Hatillo (Haticoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 898-3260.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 898-3260. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Coop. Hatillo (Haticoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Coop. Hatillo (Haticoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 898-3260.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Coop. Hatillo (Haticoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Coop. Hatillo (Haticoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Coop. Hatillo (Haticoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Coop. Hatillo (Haticoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 898-3260. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Coop. Hatillo (Haticoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Coop. Hatillo (Haticoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Coop. Hatillo (Haticoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Coop. Hatillo (Haticoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Coop. Hatillo (Haticoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Coop. Hatillo (Haticoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Coop. Hatillo (Haticoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Coop. Hatillo (Haticoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through CooPACA Arecibo (“CooPACA Arecibo”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean CooPACA Arecibo.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and CooPACA Arecibo that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with CooPACA Arecibo corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by CooPACA Arecibo associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by CooPACA Arecibo that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by CooPACA Arecibo
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. CooPACA Arecibo, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize CooPACA Arecibo and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither CooPACA Arecibo nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 878-2095.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 878-2095. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and CooPACA Arecibo. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with CooPACA Arecibo and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 878-2095.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
CooPACA Arecibo and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither CooPACA Arecibo, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither CooPACA Arecibo, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither CooPACA Arecibo, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 878-2095. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. CooPACA Arecibo, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER CooPACA Arecibo, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. CooPACA Arecibo AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. CooPACA Arecibo, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
CooPACA Arecibo, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL CooPACA Arecibo, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY CooPACA Arecibo, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither CooPACA Arecibo, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP) (“Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 622-3055.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 622-3055. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 622-3055.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 622-3055. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Abraham Rosa (ARCOOP), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop) (“Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 847-5640.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 847-5640. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 847-5640.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 847-5640. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Agustín Burgos (VillaCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop) (“Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 735-4131.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 735-4131. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 735-4131.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 735-4131. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Aiboniteña (BoniCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Ana G. Méndez (“Cooperativa de Ahorro y Crédito Ana G. Méndez”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Ana G. Méndez.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Ana G. Méndez that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Ana G. Méndez corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Ana G. Méndez associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Ana G. Méndez that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Ana G. Méndez
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Ana G. Méndez, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Ana G. Méndez and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Ana G. Méndez nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 751-0178.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 751-0178. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Ana G. Méndez. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Ana G. Méndez and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 751-0178.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Ana G. Méndez and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Ana G. Méndez, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Ana G. Méndez, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Ana G. Méndez, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 751-0178. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Ana G. Méndez, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Ana G. Méndez, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Ana G. Méndez AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Ana G. Méndez, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Ana G. Méndez, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Ana G. Méndez, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Ana G. Méndez, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Ana G. Méndez, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Barrio Quebrada (“Cooperativa de Ahorro y Crédito Barrio Quebrada”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Barrio Quebrada.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Barrio Quebrada that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Barrio Quebrada corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Barrio Quebrada associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Barrio Quebrada that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Barrio Quebrada
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Barrio Quebrada, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Barrio Quebrada and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Barrio Quebrada nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 898-7979.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 898-7979. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Barrio Quebrada. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Barrio Quebrada and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 898-7979.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Barrio Quebrada and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Barrio Quebrada, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Barrio Quebrada, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Barrio Quebrada, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 898-7979. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Barrio Quebrada, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Barrio Quebrada, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Barrio Quebrada AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Barrio Quebrada, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Barrio Quebrada, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Barrio Quebrada, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Barrio Quebrada, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Barrio Quebrada, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Caguas (CaguasCoop) (“Cooperativa de Ahorro y Crédito Caguas (CaguasCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Caguas (CaguasCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Caguas (CaguasCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Caguas (CaguasCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Caguas (CaguasCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Caguas (CaguasCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Caguas (CaguasCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Caguas (CaguasCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Caguas (CaguasCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Caguas (CaguasCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 286-8500.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 286-8500. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Caguas (CaguasCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Caguas (CaguasCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 286-8500.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Caguas (CaguasCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Caguas (CaguasCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Caguas (CaguasCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Caguas (CaguasCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 286-8500. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Caguas (CaguasCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Caguas (CaguasCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Caguas (CaguasCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Caguas (CaguasCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Caguas (CaguasCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Caguas (CaguasCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Caguas (CaguasCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Caguas (CaguasCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP) (“Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 727-7915.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 727-7915. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 727-7915.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 727-7915. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Centro Gubernamental Minillas (GUBECOOP), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop) (“Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 739-7700.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 739-7700. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 739-7700.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 739-7700. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Cidreña (Cidreña Coop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Cupey Alto (“Cooperativa de Ahorro y Crédito Cupey Alto”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Cupey Alto.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Cupey Alto that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Cupey Alto corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Cupey Alto associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Cupey Alto that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Cupey Alto
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Cupey Alto, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Cupey Alto and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Cupey Alto nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 760-2260.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 760-2260. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Cupey Alto. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Cupey Alto and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 760-2260.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Cupey Alto and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Cupey Alto, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Cupey Alto, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Cupey Alto, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 760-2260. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Cupey Alto, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Cupey Alto, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Cupey Alto AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Cupey Alto, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Cupey Alto, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Cupey Alto, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Cupey Alto, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Cupey Alto, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Custo-Coop (“Cooperativa de Ahorro y Crédito Custo-Coop”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Custo-Coop.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Custo-Coop that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Custo-Coop corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Custo-Coop associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Custo-Coop that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Custo-Coop
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Custo-Coop, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Custo-Coop and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Custo-Coop nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 751-7894.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 751-7894. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Custo-Coop. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Custo-Coop and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 751-7894.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Custo-Coop and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Custo-Coop, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Custo-Coop, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Custo-Coop, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 751-7894. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Custo-Coop, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Custo-Coop, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Custo-Coop AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Custo-Coop, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Custo-Coop, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Custo-Coop, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Custo-Coop, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Custo-Coop, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Adjuntas (“Cooperativa de Ahorro y Crédito de Adjuntas”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Adjuntas.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Adjuntas that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Adjuntas corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Adjuntas associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Adjuntas that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Adjuntas
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Adjuntas, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Adjuntas and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Adjuntas nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 829-3290.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 829-3290. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Adjuntas. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Adjuntas and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 829-3290.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Adjuntas and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Adjuntas, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Adjuntas, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Adjuntas, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 829-3290. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Adjuntas, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Adjuntas, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Adjuntas AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Adjuntas, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Adjuntas, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Adjuntas, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Adjuntas, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Adjuntas, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Aguada (“Cooperativa de Ahorro y Crédito de Aguada”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Aguada.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Aguada that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Aguada corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Aguada associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Aguada that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Aguada
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Aguada, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Aguada and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Aguada nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 806-3000.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 806-3000. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Aguada. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Aguada and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 806-3000.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Aguada and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Aguada, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Aguada, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Aguada, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 806-3000. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Aguada, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Aguada, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Aguada AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Aguada, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Aguada, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Aguada, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Aguada, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Aguada, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Aguadilla (“Cooperativa de Ahorro y Crédito de Aguadilla”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Aguadilla.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Aguadilla that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Aguadilla corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Aguadilla associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Aguadilla that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Aguadilla
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Aguadilla, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Aguadilla and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Aguadilla nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 891 1755.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 891 1755. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Aguadilla. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Aguadilla and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 891 1755.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Aguadilla and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Aguadilla, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Aguadilla, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Aguadilla, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 891 1755. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Aguadilla, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Aguadilla, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Aguadilla AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Aguadilla, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Aguadilla, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Aguadilla, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Aguadilla, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Aguadilla, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop) (“Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 732-4036.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 732-4036. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 732-4036.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 732-4036. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Aguas Buenas (BuenaCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Añasco (Añascoop) (“Cooperativa de Ahorro y Crédito de Añasco (Añascoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Añasco (Añascoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Añasco (Añascoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Añasco (Añascoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Añasco (Añascoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Añasco (Añascoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Añasco (Añascoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Añasco (Añascoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Añasco (Añascoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Añasco (Añascoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at 787.826.2655 , 787.826.2310 o 787.826.3066.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call 787.826.2655 , 787.826.2310 o 787.826.3066. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Añasco (Añascoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Añasco (Añascoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling 787.826.2655 , 787.826.2310 o 787.826.3066.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Añasco (Añascoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Añasco (Añascoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Añasco (Añascoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Añasco (Añascoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at 787.826.2655 , 787.826.2310 o 787.826.3066. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Añasco (Añascoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Añasco (Añascoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Añasco (Añascoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Añasco (Añascoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Añasco (Añascoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Añasco (Añascoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Añasco (Añascoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Añasco (Añascoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop) (“Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 857-3500.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 857-3500. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 857-3500.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 857-3500. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Barranquitas (Credicentro-Coop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Cabo Rojo (“Cooperativa de Ahorro y Crédito de Cabo Rojo”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Cabo Rojo.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Cabo Rojo that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Cabo Rojo corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Cabo Rojo associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Cabo Rojo that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Cabo Rojo
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Cabo Rojo, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Cabo Rojo and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Cabo Rojo nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 851-1337.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 851-1337. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Cabo Rojo. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Cabo Rojo and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 851-1337.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Cabo Rojo and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Cabo Rojo, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Cabo Rojo, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Cabo Rojo, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 851-1337. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Cabo Rojo, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Cabo Rojo, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Cabo Rojo AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Cabo Rojo, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Cabo Rojo, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Cabo Rojo, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Cabo Rojo, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Cabo Rojo, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Camuy (“Cooperativa de Ahorro y Crédito de Camuy”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Camuy.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Camuy that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Camuy corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Camuy associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Camuy that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Camuy
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Camuy, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Camuy and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Camuy nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 898-4970.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 898-4970. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Camuy. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Camuy and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 898-4970.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Camuy and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Camuy, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Camuy, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Camuy, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 898-4970. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Camuy, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Camuy, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Camuy AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Camuy, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Camuy, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Camuy, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Camuy, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Camuy, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop) (“Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at 787-792-1302.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call 787-792-1302. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling 787-792-1302.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at 787-792-1302. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Caparra (CaparraCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”) (“Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 653-3780.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 653-3780. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 653-3780.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 653-3780. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Empleados de Grupo HIMA San Pablo (“Coop”), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop) (“Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 751-5050.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 751-5050. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 751-5050.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 751-5050. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Empleados de la CFSE (Fondo Coop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Florida (FloridaCoop) (“Cooperativa de Ahorro y Crédito de Florida (FloridaCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Florida (FloridaCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Florida (FloridaCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Florida (FloridaCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Florida (FloridaCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Florida (FloridaCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Florida (FloridaCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Florida (FloridaCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Florida (FloridaCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Florida (FloridaCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 822-2630.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 822-2630. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Florida (FloridaCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Florida (FloridaCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 822-2630.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Florida (FloridaCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Florida (FloridaCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Florida (FloridaCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Florida (FloridaCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 822-2630. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Florida (FloridaCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Florida (FloridaCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Florida (FloridaCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Florida (FloridaCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Florida (FloridaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Florida (FloridaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Florida (FloridaCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Florida (FloridaCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop) (“Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 835-2480.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 835-2480. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 835-2480.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 835-2480. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Guayanilla (Caribe Coop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop) (“Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 872-2265.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 872-2265. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 872-2265.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 872-2265. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Isabela (IsabelaCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop) (“Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 828-4410.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 828-4410. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 828-4410.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 828-4410. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Jayuya (Jayucoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Juana Díaz (“Cooperativa de Ahorro y Crédito de Juana Díaz”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Juana Díaz.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Juana Díaz that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Juana Díaz corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Juana Díaz associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Juana Díaz that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Juana Díaz
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Juana Díaz, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Juana Díaz and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Juana Díaz nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 837-2575.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 837-2575. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Juana Díaz. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Juana Díaz and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 837-2575.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Juana Díaz and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Juana Díaz, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Juana Díaz, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Juana Díaz, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 837-2575. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Juana Díaz, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Juana Díaz, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Juana Díaz AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Juana Díaz, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Juana Díaz, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Juana Díaz, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Juana Díaz, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Juana Díaz, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop) (“Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 620-2667.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 620-2667. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 620-2667.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 620-2667. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de la Federación de Maestros de Puerto Rico (FedeCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP) (“Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 701-5555.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 701-5555. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 701-5555.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 701-5555. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de la Industria Biofarmacéutica (BioPharma COOP), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Lajas (LajasCoop) (“Cooperativa de Ahorro y Crédito de Lajas (LajasCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Lajas (LajasCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Lajas (LajasCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Lajas (LajasCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Lajas (LajasCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Lajas (LajasCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Lajas (LajasCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Lajas (LajasCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Lajas (LajasCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Lajas (LajasCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 899-1120.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 899-1120. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Lajas (LajasCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Lajas (LajasCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 899-1120.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Lajas (LajasCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Lajas (LajasCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Lajas (LajasCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Lajas (LajasCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 899-1120. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Lajas (LajasCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Lajas (LajasCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Lajas (LajasCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Lajas (LajasCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Lajas (LajasCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Lajas (LajasCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Lajas (LajasCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Lajas (LajasCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Lares y Región Central (“Cooperativa de Ahorro y Crédito de Lares y Región Central”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Lares y Región Central.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Lares y Región Central that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Lares y Región Central corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Lares y Región Central associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Lares y Región Central that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Lares y Región Central
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Lares y Región Central, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Lares y Región Central and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Lares y Región Central nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 897-3400.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 897-3400. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Lares y Región Central. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Lares y Región Central and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 897-3400.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Lares y Región Central and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Lares y Región Central, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Lares y Región Central, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Lares y Región Central, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 897-3400. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Lares y Región Central, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Lares y Región Central, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Lares y Región Central AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Lares y Región Central, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Lares y Región Central, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Lares y Región Central, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Lares y Región Central, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Lares y Región Central, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Las Piedras (“Cooperativa de Ahorro y Crédito de Las Piedras”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Las Piedras.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Las Piedras that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Las Piedras corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Las Piedras associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Las Piedras that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Las Piedras
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Las Piedras, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Las Piedras and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Las Piedras nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 733-2821.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 733-2821. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Las Piedras. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Las Piedras and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 733-2821.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Las Piedras and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Las Piedras, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Las Piedras, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Las Piedras, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 733-2821. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Las Piedras, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Las Piedras, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Las Piedras AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Las Piedras, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Las Piedras, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Las Piedras, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Las Piedras, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Las Piedras, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación (“Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 520-7111.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 520-7111. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 520-7111.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 520-7111. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa De Ahorro Y Crédito De Los Empleados Del Departamento De Educación, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Manatí (CoopManatí) (“Cooperativa de Ahorro y Crédito de Manatí (CoopManatí)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Manatí (CoopManatí).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Manatí (CoopManatí) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Manatí (CoopManatí) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Manatí (CoopManatí) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Manatí (CoopManatí) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Manatí (CoopManatí)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Manatí (CoopManatí), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Manatí (CoopManatí) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Manatí (CoopManatí) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 854-2214.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 854-2214. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Manatí (CoopManatí). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Manatí (CoopManatí) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 854-2214.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Manatí (CoopManatí) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Manatí (CoopManatí), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Manatí (CoopManatí), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Manatí (CoopManatí), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 854-2214. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Manatí (CoopManatí), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Manatí (CoopManatí), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Manatí (CoopManatí) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Manatí (CoopManatí), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Manatí (CoopManatí), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Manatí (CoopManatí), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Manatí (CoopManatí), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Manatí (CoopManatí), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Maunabo (“Cooperativa de Ahorro y Crédito de Maunabo”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Maunabo.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Maunabo that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Maunabo corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Maunabo associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Maunabo that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Maunabo
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Maunabo, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Maunabo and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Maunabo nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 861-2240.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 861-2240. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Maunabo. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Maunabo and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 861-2240.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Maunabo and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Maunabo, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Maunabo, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Maunabo, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 861-2240. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Maunabo, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Maunabo, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Maunabo AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Maunabo, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Maunabo, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Maunabo, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Maunabo, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Maunabo, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Mayagüez (“Cooperativa de Ahorro y Crédito de Mayagüez”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Mayagüez.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Mayagüez that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Mayagüez corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Mayagüez associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Mayagüez that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Mayagüez
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Mayagüez, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Mayagüez and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Mayagüez nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 832-6555.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 832-6555. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Mayagüez. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Mayagüez and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 832-6555.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Mayagüez and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Mayagüez, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Mayagüez, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Mayagüez, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 832-6555. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Mayagüez, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Mayagüez, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Mayagüez AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Mayagüez, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Mayagüez, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Mayagüez, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Mayagüez, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Mayagüez, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Moca (MocaCoop) (“Cooperativa de Ahorro y Crédito de Moca (MocaCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Moca (MocaCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Moca (MocaCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Moca (MocaCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Moca (MocaCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Moca (MocaCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Moca (MocaCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Moca (MocaCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Moca (MocaCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Moca (MocaCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 877-2730.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 877-2730. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Moca (MocaCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Moca (MocaCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 877-2730.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Moca (MocaCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Moca (MocaCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Moca (MocaCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Moca (MocaCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 877-2730. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Moca (MocaCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Moca (MocaCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Moca (MocaCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Moca (MocaCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Moca (MocaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Moca (MocaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Moca (MocaCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Moca (MocaCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Rincón (“Cooperativa de Ahorro y Crédito de Rincón”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Rincón.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Rincón that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Rincón corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Rincón associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Rincón that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Rincón
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Rincón, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Rincón and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Rincón nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 823-1515.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 823-1515. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Rincón. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Rincón and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 823-1515.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Rincón and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Rincón, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Rincón, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Rincón, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 823-1515. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Rincón, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Rincón, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Rincón AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Rincón, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Rincón, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Rincón, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Rincón, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Rincón, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Salinas (SaliCoop) (“Cooperativa de Ahorro y Crédito de Salinas (SaliCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Salinas (SaliCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Salinas (SaliCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Salinas (SaliCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Salinas (SaliCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Salinas (SaliCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Salinas (SaliCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Salinas (SaliCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Salinas (SaliCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Salinas (SaliCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 824-2290.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 824-2290. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Salinas (SaliCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Salinas (SaliCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 824-2290.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Salinas (SaliCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Salinas (SaliCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Salinas (SaliCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Salinas (SaliCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 824-2290. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Salinas (SaliCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Salinas (SaliCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Salinas (SaliCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Salinas (SaliCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Salinas (SaliCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Salinas (SaliCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Salinas (SaliCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Salinas (SaliCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop) (“Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 734-5291.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 734-5291. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 734-5291.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 734-5291. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Valenciano (ValenCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop) (“Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 883-4360.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 883-4360. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 883-4360.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 883-4360. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Vega Alta (VegaCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito de Yauco (Yaucoop) (“Cooperativa de Ahorro y Crédito de Yauco (Yaucoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito de Yauco (Yaucoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito de Yauco (Yaucoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito de Yauco (Yaucoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito de Yauco (Yaucoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito de Yauco (Yaucoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito de Yauco (Yaucoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito de Yauco (Yaucoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito de Yauco (Yaucoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito de Yauco (Yaucoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 856-1820.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 856-1820. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito de Yauco (Yaucoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito de Yauco (Yaucoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 856-1820.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito de Yauco (Yaucoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito de Yauco (Yaucoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito de Yauco (Yaucoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito de Yauco (Yaucoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 856-1820. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito de Yauco (Yaucoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito de Yauco (Yaucoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito de Yauco (Yaucoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito de Yauco (Yaucoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito de Yauco (Yaucoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito de Yauco (Yaucoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito de Yauco (Yaucoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito de Yauco (Yaucoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito del Departamento de Agricultura (“Cooperativa de Ahorro y Crédito del Departamento de Agricultura”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito del Departamento de Agricultura.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito del Departamento de Agricultura that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito del Departamento de Agricultura corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito del Departamento de Agricultura associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito del Departamento de Agricultura that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito del Departamento de Agricultura
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito del Departamento de Agricultura, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito del Departamento de Agricultura and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito del Departamento de Agricultura nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 723-1513.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 723-1513. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito del Departamento de Agricultura. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito del Departamento de Agricultura and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 723-1513.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito del Departamento de Agricultura and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito del Departamento de Agricultura, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito del Departamento de Agricultura, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito del Departamento de Agricultura, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 723-1513. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito del Departamento de Agricultura, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito del Departamento de Agricultura, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito del Departamento de Agricultura AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito del Departamento de Agricultura, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito del Departamento de Agricultura, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito del Departamento de Agricultura, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito del Departamento de Agricultura, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito del Departamento de Agricultura, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop) (“Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 723-9533.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 723-9533. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 723-9533.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 723-9533. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito del Departamento de Obras Públicas (Coop Acop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP) (“Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 766-1400.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 766-1400. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 766-1400.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 766-1400. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito del Tribunal General de Justicia (JUDICOOP), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Empleados Centro Medico (“Cooperativa de Ahorro y Crédito Empleados Centro Medico”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Empleados Centro Medico.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Empleados Centro Medico that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Empleados Centro Medico corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Empleados Centro Medico associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Empleados Centro Medico that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Empleados Centro Medico
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Empleados Centro Medico, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Empleados Centro Medico and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Empleados Centro Medico nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 282-7996.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 282-7996. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Empleados Centro Medico. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Empleados Centro Medico and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 282-7996.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Empleados Centro Medico and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Empleados Centro Medico, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Empleados Centro Medico, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Empleados Centro Medico, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 282-7996. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Empleados Centro Medico, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Empleados Centro Medico, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Empleados Centro Medico AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Empleados Centro Medico, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Empleados Centro Medico, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Empleados Centro Medico, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Empleados Centro Medico, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Empleados Centro Medico, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE) (“Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 725-8811.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 725-8811. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 725-8811.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 725-8811. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Empleados de la Autoridad de Energía Eléctrica (CoopAEE), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Familiar Progresista (“Cooperativa de Ahorro y Crédito Familiar Progresista”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Familiar Progresista.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Familiar Progresista that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Familiar Progresista corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Familiar Progresista associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Familiar Progresista that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Familiar Progresista
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Familiar Progresista, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Familiar Progresista and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Familiar Progresista nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 783-8760.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 783-8760. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Familiar Progresista. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Familiar Progresista and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 783-8760.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Familiar Progresista and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Familiar Progresista, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Familiar Progresista, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Familiar Progresista, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 783-8760. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Familiar Progresista, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Familiar Progresista, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Familiar Progresista AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Familiar Progresista, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Familiar Progresista, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Familiar Progresista, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Familiar Progresista, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Familiar Progresista, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Hermanos Unidos (“Cooperativa de Ahorro y Crédito Hermanos Unidos”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Hermanos Unidos.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Hermanos Unidos that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Hermanos Unidos corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Hermanos Unidos associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Hermanos Unidos that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Hermanos Unidos
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Hermanos Unidos, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Hermanos Unidos and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Hermanos Unidos nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 756-6161.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 756-6161. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Hermanos Unidos. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Hermanos Unidos and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 756-6161.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Hermanos Unidos and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Hermanos Unidos, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Hermanos Unidos, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Hermanos Unidos, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 756-6161. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Hermanos Unidos, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Hermanos Unidos, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Hermanos Unidos AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Hermanos Unidos, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Hermanos Unidos, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Hermanos Unidos, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Hermanos Unidos, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Hermanos Unidos, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito ISLACOOP (“Cooperativa de Ahorro y Crédito ISLACOOP”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito ISLACOOP.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito ISLACOOP that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito ISLACOOP corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito ISLACOOP associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito ISLACOOP that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito ISLACOOP
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito ISLACOOP, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito ISLACOOP and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito ISLACOOP nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 769-0206.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 769-0206. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito ISLACOOP. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito ISLACOOP and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 769-0206.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito ISLACOOP and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito ISLACOOP, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito ISLACOOP, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito ISLACOOP, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 769-0206. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito ISLACOOP, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito ISLACOOP, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito ISLACOOP AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito ISLACOOP, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito ISLACOOP, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito ISLACOOP, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito ISLACOOP, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito ISLACOOP, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Jesús Obrero (“Cooperativa de Ahorro y Crédito Jesús Obrero”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Jesús Obrero.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Jesús Obrero that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Jesús Obrero corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Jesús Obrero associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Jesús Obrero that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Jesús Obrero
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Jesús Obrero, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Jesús Obrero and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Jesús Obrero nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 720-6209.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 720-6209. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Jesús Obrero. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Jesús Obrero and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 720-6209.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Jesús Obrero and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Jesús Obrero, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Jesús Obrero, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Jesús Obrero, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 720-6209. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Jesús Obrero, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Jesús Obrero, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Jesús Obrero AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Jesús Obrero, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Jesús Obrero, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Jesús Obrero, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Jesús Obrero, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Jesús Obrero, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop) (“Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 854-1620.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 854-1620. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 854-1620.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 854-1620. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito La Candelaria (Candelcoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA) (“Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 765-5925.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 765-5925. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 765-5925.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 765-5925. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito La Casa del Trabajador (CONFIA), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito La Comerieña (“Cooperativa de Ahorro y Crédito La Comerieña”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito La Comerieña.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito La Comerieña that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito La Comerieña corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito La Comerieña associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito La Comerieña that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito La Comerieña
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito La Comerieña, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito La Comerieña and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito La Comerieña nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 875-2540.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 875-2540. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito La Comerieña. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito La Comerieña and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 875-2540.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito La Comerieña and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito La Comerieña, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito La Comerieña, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito La Comerieña, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 875-2540. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito La Comerieña, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito La Comerieña, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito La Comerieña AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito La Comerieña, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito La Comerieña, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito La Comerieña, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito La Comerieña, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito La Comerieña, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito La Puertorriqueña (“Cooperativa de Ahorro y Crédito La Puertorriqueña”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito La Puertorriqueña.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito La Puertorriqueña that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito La Puertorriqueña corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito La Puertorriqueña associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito La Puertorriqueña that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito La Puertorriqueña
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito La Puertorriqueña, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito La Puertorriqueña and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito La Puertorriqueña nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 750-6555.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 750-6555. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito La Puertorriqueña. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito La Puertorriqueña and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 750-6555.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito La Puertorriqueña and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito La Puertorriqueña, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito La Puertorriqueña, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito La Puertorriqueña, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 750-6555. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito La Puertorriqueña, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito La Puertorriqueña, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito La Puertorriqueña AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito La Puertorriqueña, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito La Puertorriqueña, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito La Puertorriqueña, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito La Puertorriqueña, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito La Puertorriqueña, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito La Regla de Oro (“Cooperativa de Ahorro y Crédito La Regla de Oro”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito La Regla de Oro.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito La Regla de Oro that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito La Regla de Oro corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito La Regla de Oro associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito La Regla de Oro that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito La Regla de Oro
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito La Regla de Oro, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito La Regla de Oro and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito La Regla de Oro nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 799-3612.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 799-3612. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito La Regla de Oro. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito La Regla de Oro and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 799-3612.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito La Regla de Oro and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito La Regla de Oro, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito La Regla de Oro, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito La Regla de Oro, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 799-3612. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito La Regla de Oro, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito La Regla de Oro, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito La Regla de Oro AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito La Regla de Oro, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito La Regla de Oro, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito La Regla de Oro, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito La Regla de Oro, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito La Regla de Oro, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop) (“Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 859-2650.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 859-2650. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 859-2650.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 859-2650. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito La Sagrada Familia (SagradaCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito MediCoop (“Cooperativa de Ahorro y Crédito MediCoop”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito MediCoop.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito MediCoop that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito MediCoop corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito MediCoop associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito MediCoop that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito MediCoop
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito MediCoop, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito MediCoop and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito MediCoop nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 763-8611.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 763-8611. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito MediCoop. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito MediCoop and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 763-8611.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito MediCoop and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito MediCoop, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito MediCoop, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito MediCoop, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 763-8611. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito MediCoop, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito MediCoop, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito MediCoop AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito MediCoop, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito MediCoop, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito MediCoop, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito MediCoop, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito MediCoop, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Moroveña (“Cooperativa de Ahorro y Crédito Moroveña”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Moroveña.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Moroveña that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Moroveña corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Moroveña associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Moroveña that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Moroveña
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Moroveña, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Moroveña and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Moroveña nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 862-7440.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 862-7440. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Moroveña. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Moroveña and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 862-7440.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Moroveña and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Moroveña, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Moroveña, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Moroveña, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 862-7440. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Moroveña, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Moroveña, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Moroveña AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Moroveña, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Moroveña, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Moroveña, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Moroveña, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Moroveña, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Naguabeña (“Cooperativa de Ahorro y Crédito Naguabeña”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Naguabeña.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Naguabeña that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Naguabeña corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Naguabeña associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Naguabeña that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Naguabeña
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Naguabeña, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Naguabeña and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Naguabeña nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 874-2185.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 874-2185. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Naguabeña. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Naguabeña and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 874-2185.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Naguabeña and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Naguabeña, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Naguabeña, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Naguabeña, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 874-2185. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Naguabeña, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Naguabeña, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Naguabeña AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Naguabeña, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Naguabeña, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Naguabeña, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Naguabeña, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Naguabeña, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Oriental (“Cooperativa de Ahorro y Crédito Oriental”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Oriental.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Oriental that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Oriental corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Oriental associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Oriental that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Oriental
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Oriental, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Oriental and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Oriental nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 852-0964.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 852-0964. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Oriental. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Oriental and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 852-0964.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Oriental and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Oriental, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Oriental, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Oriental, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 852-0964. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Oriental, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Oriental, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Oriental AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Oriental, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Oriental, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Oriental, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Oriental, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Oriental, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Padre Mac Donald (“Cooperativa de Ahorro y Crédito Padre Mac Donald”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Padre Mac Donald.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Padre Mac Donald that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Padre Mac Donald corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Padre Mac Donald associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Padre Mac Donald that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Padre Mac Donald
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Padre Mac Donald, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Padre Mac Donald and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Padre Mac Donald nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 840-8382.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 840-8382. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Padre Mac Donald. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Padre Mac Donald and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 840-8382.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Padre Mac Donald and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Padre Mac Donald, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Padre Mac Donald, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Padre Mac Donald, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 840-8382. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Padre Mac Donald, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Padre Mac Donald, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Padre Mac Donald AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Padre Mac Donald, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Padre Mac Donald, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Padre Mac Donald, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Padre Mac Donald, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Padre Mac Donald, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Parrocoop (“Cooperativa de Ahorro y Crédito Parrocoop”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Parrocoop.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Parrocoop that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Parrocoop corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Parrocoop associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Parrocoop that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Parrocoop
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Parrocoop, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Parrocoop and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Parrocoop nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 847-2660.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 847-2660. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Parrocoop. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Parrocoop and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 847-2660.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Parrocoop and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Parrocoop, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Parrocoop, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Parrocoop, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 847-2660. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Parrocoop, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Parrocoop, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Parrocoop AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Parrocoop, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Parrocoop, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Parrocoop, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Parrocoop, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Parrocoop, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Pepiniana (“Cooperativa de Ahorro y Crédito Pepiniana”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Pepiniana.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Pepiniana that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Pepiniana corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Pepiniana associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Pepiniana that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Pepiniana
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Pepiniana, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Pepiniana and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Pepiniana nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 896-1544.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 896-1544. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Pepiniana. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Pepiniana and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 896-1544.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Pepiniana and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Pepiniana, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Pepiniana, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Pepiniana, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 896-1544. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Pepiniana, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Pepiniana, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Pepiniana AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Pepiniana, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Pepiniana, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Pepiniana, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Pepiniana, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Pepiniana, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Roosevelt Roads (“Cooperativa de Ahorro y Crédito Roosevelt Roads”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Roosevelt Roads.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Roosevelt Roads that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Roosevelt Roads corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Roosevelt Roads associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Roosevelt Roads that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Roosevelt Roads
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Roosevelt Roads, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Roosevelt Roads and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Roosevelt Roads nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 863-3045.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 863-3045. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Roosevelt Roads. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Roosevelt Roads and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 863-3045.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Roosevelt Roads and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Roosevelt Roads, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Roosevelt Roads, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Roosevelt Roads, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 863-3045. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Roosevelt Roads, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Roosevelt Roads, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Roosevelt Roads AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Roosevelt Roads, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Roosevelt Roads, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Roosevelt Roads, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Roosevelt Roads, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Roosevelt Roads, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Santa Isabel (“Cooperativa de Ahorro y Crédito Santa Isabel”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Santa Isabel.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Santa Isabel that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Santa Isabel corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Santa Isabel associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Santa Isabel that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Santa Isabel
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Santa Isabel, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Santa Isabel and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Santa Isabel nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 845-0005.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 845-0005. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Santa Isabel. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Santa Isabel and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 845-0005.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Santa Isabel and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Santa Isabel, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Santa Isabel, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Santa Isabel, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 845-0005. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Santa Isabel, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Santa Isabel, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Santa Isabel AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Santa Isabel, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Santa Isabel, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Santa Isabel, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Santa Isabel, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Santa Isabel, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop) (“Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 737-3501.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 737-3501. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 737-3501.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 737-3501. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Saulo D. Rodriguez (Gura-Coop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Unión de Tronquistas (“Cooperativa de Ahorro y Crédito Unión de Tronquistas”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Unión de Tronquistas.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Unión de Tronquistas that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Unión de Tronquistas corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Unión de Tronquistas associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Unión de Tronquistas that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Unión de Tronquistas
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Unión de Tronquistas, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Unión de Tronquistas and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Unión de Tronquistas nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 723-0996.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 723-0996. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Unión de Tronquistas. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Unión de Tronquistas and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 723-0996.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Unión de Tronquistas and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Unión de Tronquistas, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Unión de Tronquistas, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Unión de Tronquistas, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 723-0996. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Unión de Tronquistas, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Unión de Tronquistas, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Unión de Tronquistas AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Unión de Tronquistas, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Unión de Tronquistas, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Unión de Tronquistas, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Unión de Tronquistas, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Unión de Tronquistas, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop) (“Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 771-0190.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 771-0190. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 771-0190.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 771-0190. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Universidad de Puerto Rico (UniversiCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop) (“Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 855-3442.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 855-3442. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 855-3442.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 855-3442. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Vegabajeña (Vegabajeña Coop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop) (“Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop)”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop).
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop) that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop) corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop) associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop) that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop)
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop), Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop) and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop) nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 893-2820.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 893-2820. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop). You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop) and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 893-2820.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop) and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop), nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop), nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop), nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 893-2820. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop), EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop), NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop) AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop), EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop), EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop), EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa de Ahorro y Crédito Yabucoeña (YabuCoop), nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa Los Hermanos (“Cooperativa Los Hermanos”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa Los Hermanos.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa Los Hermanos that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa Los Hermanos corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa Los Hermanos associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa Los Hermanos that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa Los Hermanos
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa Los Hermanos, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa Los Hermanos and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa Los Hermanos nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 764-5454.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 764-5454. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa Los Hermanos. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa Los Hermanos and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 764-5454.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa Los Hermanos and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa Los Hermanos, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa Los Hermanos, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa Los Hermanos, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 764-5454. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa Los Hermanos, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa Los Hermanos, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa Los Hermanos AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa Los Hermanos, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa Los Hermanos, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa Los Hermanos, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa Los Hermanos, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa Los Hermanos, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa Rico Dairy (“Cooperativa Rico Dairy”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa Rico Dairy.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa Rico Dairy that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa Rico Dairy corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa Rico Dairy associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa Rico Dairy that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa Rico Dairy
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa Rico Dairy, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa Rico Dairy and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa Rico Dairy nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 470-6402.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 470-6402. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa Rico Dairy. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa Rico Dairy and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 470-6402.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa Rico Dairy and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa Rico Dairy, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa Rico Dairy, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa Rico Dairy, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 470-6402. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa Rico Dairy, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa Rico Dairy, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa Rico Dairy AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa Rico Dairy, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa Rico Dairy, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa Rico Dairy, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa Rico Dairy, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa Rico Dairy, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa Rodríguez Hidalgo (“Cooperativa Rodríguez Hidalgo”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa Rodríguez Hidalgo.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa Rodríguez Hidalgo that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa Rodríguez Hidalgo corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa Rodríguez Hidalgo associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa Rodríguez Hidalgo that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa Rodríguez Hidalgo
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa Rodríguez Hidalgo, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa Rodríguez Hidalgo and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa Rodríguez Hidalgo nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 825-1350.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 825-1350. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa Rodríguez Hidalgo. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa Rodríguez Hidalgo and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 825-1350.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa Rodríguez Hidalgo and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa Rodríguez Hidalgo, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa Rodríguez Hidalgo, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa Rodríguez Hidalgo, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 825-1350. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa Rodríguez Hidalgo, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa Rodríguez Hidalgo, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa Rodríguez Hidalgo AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa Rodríguez Hidalgo, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa Rodríguez Hidalgo, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa Rodríguez Hidalgo, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa Rodríguez Hidalgo, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa Rodríguez Hidalgo, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa San José (“Cooperativa San José”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa San José.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa San José that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa San José corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa San José associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa San José that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa San José
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa San José, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa San José and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa San José nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 735-7474.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 735-7474. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa San José. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa San José and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 735-7474.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa San José and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa San José, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa San José, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa San José, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 735-7474. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa San José, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa San José, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa San José AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa San José, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa San José, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa San José, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa San José, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa San José, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Cooperativa Zeno Gandía (“Cooperativa Zeno Gandía”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Cooperativa Zeno Gandía.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Cooperativa Zeno Gandía that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Cooperativa Zeno Gandía corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Cooperativa Zeno Gandía associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Cooperativa Zeno Gandía that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Cooperativa Zeno Gandía
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Cooperativa Zeno Gandía, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Cooperativa Zeno Gandía and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Cooperativa Zeno Gandía nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 815-2667.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 815-2667. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Cooperativa Zeno Gandía. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Cooperativa Zeno Gandía and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 815-2667.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Cooperativa Zeno Gandía and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Cooperativa Zeno Gandía, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Cooperativa Zeno Gandía, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Cooperativa Zeno Gandía, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 815-2667. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Cooperativa Zeno Gandía, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Cooperativa Zeno Gandía, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Cooperativa Zeno Gandía AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Cooperativa Zeno Gandía, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Cooperativa Zeno Gandía, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Cooperativa Zeno Gandía, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Cooperativa Zeno Gandía, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Cooperativa Zeno Gandía, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Credi Coop San Blas (“Credi Coop San Blas”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Credi Coop San Blas.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Credi Coop San Blas that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Credi Coop San Blas corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Credi Coop San Blas associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Credi Coop San Blas that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Credi Coop San Blas
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Credi Coop San Blas, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Credi Coop San Blas and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Credi Coop San Blas nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 825-1175.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 825-1175. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Credi Coop San Blas. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Credi Coop San Blas and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 825-1175.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Credi Coop San Blas and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Credi Coop San Blas, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Credi Coop San Blas, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Credi Coop San Blas, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 825-1175. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Credi Coop San Blas, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Credi Coop San Blas, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Credi Coop San Blas AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Credi Coop San Blas, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Credi Coop San Blas, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Credi Coop San Blas, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Credi Coop San Blas, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Credi Coop San Blas, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through EduCoop (“EduCoop”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean EduCoop.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and EduCoop that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with EduCoop corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by EduCoop associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by EduCoop that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by EduCoop
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. EduCoop, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize EduCoop and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither EduCoop nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 754-7895.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 754-7895. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and EduCoop. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with EduCoop and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 754-7895.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
EduCoop and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither EduCoop, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither EduCoop, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither EduCoop, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 754-7895. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. EduCoop, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER EduCoop, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. EduCoop AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. EduCoop, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
EduCoop, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL EduCoop, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY EduCoop, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither EduCoop, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Electro-Coop (“Electro-Coop”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Electro-Coop.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Electro-Coop that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Electro-Coop corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Electro-Coop associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Electro-Coop that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Electro-Coop
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Electro-Coop, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Electro-Coop and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Electro-Coop nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 725-3333.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 725-3333. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Electro-Coop. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Electro-Coop and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 725-3333.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Electro-Coop and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Electro-Coop, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Electro-Coop, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Electro-Coop, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 725-3333. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Electro-Coop, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Electro-Coop, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Electro-Coop AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Electro-Coop, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Electro-Coop, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Electro-Coop, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Electro-Coop, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Electro-Coop, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
ATH Móvil®
Terms and Conditions of Use
Welcome to the ATH Móvil service (the "Service"). By using the Service you agree to comply with these Terms and Conditions of Use (the "Terms and Conditions"). ATH Móvil is a digital payment and transfer service offered through FirstBank Puerto Rico ("FirstBank") that allows you to make and receive Transfers, make Payments and donations, and view the balance of your Designated Account.
This Service is for use by individuals and allows you to send (1) Transfers between your accounts or to your family, friends or other people you know, (2) donations to non-profit organizations registered in ATH Business™, (3) Payments to businesses that participate in ATH Business by selecting the pATH of the business through the App or by scanning the business' QR code (available at the establishment), or by using the business' payment button on its website, and (4) Payments to businesses that have a point of sale (POS) terminal by scanning the business' QR code capable of receiving payments from ATH Móvil users.
At no point should you use the Service to receive transactions that are commercial in nature.
You should read these Terms and Conditions carefully before using the Service, as they constitute a contract between the parties and govern the rights and obligations of the parties with respect to the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings attributed to them below. References to "you" refer to you as a user of the Service. References to "we," "us" and "our" refer to FirstBank.
Registration and Service Description
Eligibility. To be eligible to register for the Service you must meet the following requirements:
If you are a minor, you must obtain the permission of your parent or legal guardian to use the Service. If you are the parent or legal guardian authorizing the minor to use the Service, these Terms and Conditions apply to you, and you will be responsible for the minor's use of the Service.
Registration Method. To register for the Service, the first thing you must do is download the ATH Móvil application for iOS or Android, available through the Apple App Store or Google Play Store, respectively. Registration for the Service is completed through the App, following the steps described there. You must ensure that the information you submit for your registration, including your personal information and your Designated Card information, is complete, correct, and consistent with your Designated Account information.
Password and Authentication Factor. As part of registration, you will be asked to choose a Password and a 4-digit code that you will need each time you wish to access the Service. You may also access the Service by facial recognition or fingerprint (only if these methods are available on your Telephone). You are responsible for maintaining the confidentiality and security of your Password and for not disclosing it to anyone. If you forget your Password, you can change it through the App. As an additional security measure, we use a system of double factor authentication (also known as 2FA) through which you will be asked to write in the App a validation code as a second authentication factor. To confirm that you are the person requesting access to your Service account, we will send the validation code to the Telephone number. In addition, each time you use the Service from a new device, you will need to authorize your device by sending an email to the email address provided. FirstBank, Evertec or our representatives will never call you to inquire or request your registration information, validation code, or Password or ask you to change it.
Information Management. In order to register for the Service, it is necessary for you to submit certain personal information, which will include, but not necessarily be limited to, your name, Telephone number, email address and ATH Card number. You may update some of this information during your use of the Service. The handling of your information obtained through the Service will be governed by these Terms and Conditions and by Evertec's Privacy Policy available at www.athmovil.com. During your use of the Service, you agree to submit only information that is true and accurate. You must keep your personal information registered on the Service updated.
Validation of Registration and Information. You authorize FirstBank and/or Evertec to confirm, directly or through a third party, any information that is necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Telephone via a code sent to the Telephone number provided, (2) your email address via a code sent to the email address provided, and (3) your ATH Card through 3 electronic transfers (2 debits + 1 credit = $0 total net). Once you have validated your registration and added and validated an ATH Card, you will receive a confirmation email from ATH Móvil, and you will be able to start using the Service immediately.
Your Designated Cards. You may register a maximum of 5 Designated Cards in your Service profile. You should only register those Designated Cards that you are legally authorized to use. If you register multiple Designated Cards, you must designate one of them as the Primary Card.
Make Transfers. You may transfer funds to another user's Designated Account if: (1) the user is enrolled in the Service and (2) you know the user's telephone number. You will be able to see the history of your Transfers and their details through the App.
Make payments. You can use your Designated Card to pay for goods or services at businesses. You will be able to see the history of Payments made and their details through the App. You can send a Payment to a business in the following ways:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Make Donations. You can send donations through the App to different non-profit entities available in the "Donate" section. Donations made through the Service are non-refundable and will be subject to the other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the non-profit organization that received the donation directly. We reserve the right to add or remove non-profit entities available on the Service from time to time.
Cancellation of Transfers. Before sending a Transfer, you are responsible for verifying that the telephone number to which you will send it is correct. We are not responsible for any Transfer that is completed by mistake or inadvertence on the part of the user. You may only transfer funds from your Designated Account to users of the Service through their telephone numbers. Therefore, if you transfer funds to a number that is not registered in the Service, the Transfer will remain pending for a term of 7 days and will be canceled at the end of the 7 days, unless during those 7 days the number is registered in the Service, causing the Transfer to be completed automatically. You can cancel a pending Transfer at any time from the Transfer detail in the "Activity" section within the App. If at the end of 7 days the number was not registered in the Service, or if the number is registered in the Service during those 7 days, but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Business Requests for Payment Refunds. In the event that a business to which you sent a Payment determines that you are entitled to a refund or other adjustment in connection with your purchase, you may receive a credit from the business to the Designated Card you used to make the Payment. If you do not have that Designated Card registered in your ATH Móvil profile, you will receive the refund from the business through the Service on your Primary Card. The business may make one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither FirstBank nor Evertec have control over the products or services provided by businesses registered with ATH Business or that accept payments from ATH Móvil at their point of sale (POS) terminals.
Invalidation or Reversal of Transfers, Payments or Donations. Any Transfer, Payment or donation may be invalidated and debited if, among other reasons, the transaction is rejected or revoked, was sent by error from the Service, was not authorized, or is related to prohibited activities according to the Terms and Conditions or the Existing Contracts (defined below).
Process to Regain Access. If you are already registered, but have problems accessing the Service, please follow the instructions on the main screen of the App or on www.athmovil.com under the "Frequently Asked Questions" section. In both places you will find the steps to change your Password, receive a validation code and regain your access to the Service. If you have other difficulties with the Service or when using www.athmovil.com, please contact us at 787-725-2511 or 1-866-695-2511 (FirstLine Solution Center).
Claims. Any claim related to the Service, your Designated Cards or Primary Card will be handled by our service personnel, by calling at 787-725-2511 or 1-866-695-2511 (FirstLine Solution Center). Claims will be subject to these Terms and Conditions, and the terms and conditions of your existing agreements with us with respect to Designated Accounts (the "Existing Agreements"). You can also communicate directly with any business that participates in ATH Business, or that accepts payments from ATH Móvil, regarding any claim related to the merchandise or service received from said business. In any case, we urge you to establish your claim as soon as possible after the Payment has been made.
Availability of the Service
The Service is generally available 24/7, 365 days a year, with the exception of those periods of maintenance to the Service and circumstances beyond our control, or if you are in an area where mobile coverage is limited or access to the Internet is only through a Wi-Fi system. The user could access the Service from abroad to make Transfers, Payments or donations. Accessing the Service from abroad may cause charges that are not applicable to the Service, such as charges by the telephone service provider for roaming or use of mobile networks. These charges may vary depending on the country and the service contracted with the telephone service company. In certain cases, accessing the Service from abroad may be prohibited by law, regulation, regulatory guidance or as a protection measure against cyber fraud.
Relationship to Other Agreements
By using the Service, you agree and understand that:
Your obligations
Your Information and Designated Accounts. You represent that you are the legal owner of the Designated Cards and other personal and banking information that you provide when registering for the Service. You represent and agree that all information you provide to us in connection with the Service is correct and complete, that you have the right to provide us with such information for the purpose of using the Service, and that you will keep such information up to date. You agree not to misrepresent your identity or information on the Designated Card. You further represent that you are an authorized user of the Telephone that you will use to access the Service.
Security of your ATH Móvil Account. You agree not to give or make available to other people your Password, validation code or other personal or banking information to access the Service. You are responsible for all Transfers you make through the Service. If you authorize other people to use your Password, Telephone validation code or other means to access the Service, you will be responsible for any Transfer, Payment or donation they make. If you believe that your Password, Telephone or other means of access to the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling us at 787-725-2511 or 1-866-695-2511 (FirstLine Solution Center).
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in a manner that: (1) is illegal or violates any applicable law, statute, ordinance or regulation; (2) interferes with or disrupts computer networks connected to the Service; (3) interferes with or disrupts the use of the Service by any other user; (4) facilitates unauthorized entry or access to the computer systems of others; or (5) encourages conduct that could constitute a criminal offense, give rise to civil or criminal liability. The resale, lease, rental or distribution of the Service to third parties is prohibited.
In addition, you agree not to use the Service for activities that are related to transactions involving (1) narcotics, steroids, controlled substances, or products that pose a risk to the safety of consumers, (2) drug paraphernalia, (3) ammunition, firearms or firearm parts or accessories or (4) weapons or blades regulated by law.
Applicable Charges. Certain taxes and fees may apply to the use of the Service by your Telephone or Internet service provider, which you would pay directly to it; you should contact your Telephone service provider for details of such charges, if any. In addition, you acknowledge that the Service is a channel available to make Payments, donations, and make or receive money Transfers from person to person or between your accounts. The responsibilities and rights you have regarding charges, taxes or other laws and regulations applicable to banking transactions or payments to merchants will continue to apply to Transfers, Payments and donations made through the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to impose charges for the Service at any time upon prior notice.
Service Limitations
FirstBank and/or Evertec may impose controls to mitigate cases of fraud such as limiting the maximum and minimum amount of a Transfer or Payment or the number of Transfers and Payments that you can make and receive each day through the Service. You can see what the applicable limits are in www.athmovil.com under the "Frequently Asked Questions" section. Furthermore, the availability, timeliness, and performance of the Service depends on many factors, including the location of your Telephone, wireless network availability and signal strength, and the performance and configuration of hardware and software. Neither FirstBank, nor Evertec, nor any of our service providers guarantees that the Service will be adapted to your needs, that it will work without interruption or that it will be error-free. Neither FirstBank, nor Evertec, nor our service providers shall be liable for any loss or damage caused by the unavailability or malfunction of the Service, or any action taken in connection therewith, for any reason, including Service interruptions, delays, inaccuracies, data loss, or loss of custom settings. Neither FirstBank, nor Evertec, nor our service providers are responsible for any failure in the Service caused by cyber attacks, fires, earthquakes, floods, hurricanes, or other acts of nature; or any failure or delay of any transportation, power, computer or telecommunications system or for any other cause beyond our control.
Termination of Service
You can terminate your participation in the Service at any time by calling us at 787-725-2511 or 1-866-695-2511 (FirstLine Solution Center) or by calling the ATH Móvil Service Desk at 787-775-2846. Even if you terminate your participation in the Service, you will remain responsible for all of your obligations related to the Service prior to termination. We reserve the right to terminate the Service at any time without prior notice. Either we or Evertec may temporarily terminate or suspend your access to the Service at any time without notice for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your breach of these Terms and Conditions, or your failure to use the Service. By means of these Terms and Conditions, you agree that we will not be liable to you or any third party for changes in the Service or the termination of the Service.
Changes in the Terms and Conditions
We reserve the right to update, change and modify these Terms and Conditions or to impose new conditions at any time. Unless you are notified otherwise, all updates, changes, modifications, additions or deletions will take effect immediately when they are announced, which will be done by publishing them on the website www.athmovil.com, in the App, by email or by any other means by which you become aware of them. If we modify the Service, you will be responsible for ensuring that you understand how to use the Service, as modified. Any use of the Service subsequent to the notice will be understood as your acceptance of such changes, modifications or additions. We reserve the right to change or discontinue, at any time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary for access or use.
USE OF THE SERVICE IS AT YOUR RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT USE THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. FIRSTBANK, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU AT YOUR TELEPHONE NUMBER TO INQUIRE OR REQUEST YOUR REGISTRY INFORMATION, VALIDATION CODE, OR PASSWORD OR ASK YOU TO CHANGE IT. WE WILL ALSO NOT CONTACT YOU TO ASK YOU TO MAKE A TRANSFER TO AVOID CANCELLATION OF SERVICE OR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD, VALIDATION CODE, TRANSFERS, DONATIONS OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER FIRSTBANK, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICERS, SHAREHOLDERS, AGENTS, AND SERVICE PROVIDERS OR LICENSORS WARRANT THAT WWW.ATHMOVIL.COM WILL BE UNINTERRUPTED OR ERROR-FREE. NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER OBTAINS FROM THE USE OF THE SERVICE AND WWW.ATHMOVIL.COM, OR AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE OR MERCHANDISE PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED "AS IS," AND IS ACCEPTED AS IS AND AS AVAILABLE. FIRSTBANK AND EVERTEC MAKE NO WARRANTIES OF ANY KIND REGARDING THE SERVICE, EITHER EXPRESS OR IMPLIED. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. FIRSTBANK, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS OR LICENSORS, DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE; NOR DO THEY MAKE ANY WARRANTY REGARDING THE RESULTS THE USER MAY OBTAIN FROM THE USE OF THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION OR FUNCTION PROVIDED THROUGH THE SERVICE.
LIMITATION OF LIABILITY AND INDEMNIFICATION
IN NO EVENT SHALL FIRSTBANK, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR WWW.ATHMOVIL.COM BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, OR INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE LIABILITY ARISING OUT OF YOUR ACCESS TO OR USE OF THE SERVICE, OR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU UNDERSTAND AND AGREE THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL CONTENT ON THE APP AND ON WWW.ATHMOVIL.COM. IN NO EVENT SHALL FIRSTBANK, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR WWW.ATHMOVIL.COM BE LIABLE FOR ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT ON WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSION TO ANOTHER USER, REGARDLESS OF CAUSE OR DURATION, OR FOR CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS OR INTERRUPTIONS. THIS RELEASE OF LIABILITY APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION. SPECIFICALLY, YOU ACKNOWLEDGE THAT WE ARE NOT RESPONSIBLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY DAMAGES. YOU AGREE TO DEFEND, INDEMNIFY AND HOLD HARMLESS FIRSTBANK, EVERTEC AND THEIR RESPECTIVE AFFILIATES AND THEIR RESPECTIVE DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS AND ASSIGNS, AGAINST ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING OUT OF YOUR USE OF THE SERVICE OR WWW.ATHMOVIL.COM OR YOUR VIOLATION OF THESE TERMS AND CONDITIONS, UNLESS SUCH CLAIM OR EXPENSE ARISED OUT OF THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF THE PARTY TO BE DEFENDED, INDEMNIFIED AND/OR RELEASED FROM LIABILITY.
Copyright and Trademarks
You can use the content delivered through the App and www.athmovil.com only in conjunction with your use of the Service. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit any of the technology used in the Service, including, but not limited to, any applications or software associated with the Service. The website www.athmovil.com contains copyrighted materials, trademarks or other proprietary information, some of which are the property of Evertec, and others, the property of third parties. The entire content of www.athmovil.com is protected by copyright as a collective work. Evertec may modify, withdraw or deny access to www.athmovil.com at any time or impose other types of restricted access. The ATH Network, ATH Móvil and ATH Business, including their logos and designs, are service marks of Evertec; all rights to these are reserved. Any other trademark or logo that appears in the App or on www.athmovil.com is the property of their respective owners.
Links to Internet Pages
You may find links in the App or on www.athmovil.com to other Internet pages that are not under our control. We are not responsible for these websites and do not endorse them. It is your responsibility to review the terms and conditions and privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find any information on www.athmovil.com that you think is inaccurate or you have questions about a link to a third-party website, please contact us or send us an email.
Content of the Service and of www.athmovil.com
Any opinion, advice, statement, service, offer or other information or content expressed or made available to users in the App or in www.athmovil.com by third parties (including information providers) belong to their respective authors or distributors and not to us. Neither FirstBank, nor Evertec, nor our agents, nor any third party information provider, guarantees the accuracy, correctness or usefulness of the content for marketing or use suitable for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice or statement made in connection with the Service or www.athmovil.com, or made in the App or on www.athmovil.com, by anyone other than one of our employee spokespersons acting in their official capacity.
Entire Contract
These Terms and Conditions and the Existing Agreements constitute the entire agreement between the parties and supersede any prior oral or written agreement between the parties regarding the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions will be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, without regard to its rules on conflicts of laws. Any cause of action of any nature arising from these Terms and Conditions will be brought in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through GE Credit Union (“GE Credit Union”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean GE Credit Union.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and GE Credit Union that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with GE Credit Union corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by GE Credit Union associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by GE Credit Union that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by GE Credit Union
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. GE Credit Union, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize GE Credit Union and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither GE Credit Union nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (800) 992-8472.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (800) 992-8472. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and GE Credit Union. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with GE Credit Union and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (800) 992-8472.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
GE Credit Union and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither GE Credit Union, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither GE Credit Union, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither GE Credit Union, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (800) 992-8472. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. GE Credit Union, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER GE Credit Union, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. GE Credit Union AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. GE Credit Union, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
GE Credit Union, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL GE Credit Union, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY GE Credit Union, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither GE Credit Union, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Lomas Verdes Cooperativa (“Lomas Verdes Cooperativa”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Lomas Verdes Cooperativa.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Lomas Verdes Cooperativa that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Lomas Verdes Cooperativa corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Lomas Verdes Cooperativa associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Lomas Verdes Cooperativa that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Lomas Verdes Cooperativa
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Lomas Verdes Cooperativa, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Lomas Verdes Cooperativa and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Lomas Verdes Cooperativa nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 787-6292.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 787-6292. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Lomas Verdes Cooperativa. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Lomas Verdes Cooperativa and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 787-6292.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Lomas Verdes Cooperativa and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Lomas Verdes Cooperativa, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Lomas Verdes Cooperativa, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Lomas Verdes Cooperativa, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 787-6292. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Lomas Verdes Cooperativa, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Lomas Verdes Cooperativa, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Lomas Verdes Cooperativa AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Lomas Verdes Cooperativa, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Lomas Verdes Cooperativa, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Lomas Verdes Cooperativa, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Lomas Verdes Cooperativa, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Lomas Verdes Cooperativa, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Oriental Puerto Rico (“Oriental Puerto Rico”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Oriental Puerto Rico.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Oriental Puerto Rico that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Oriental Puerto Rico corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Oriental Puerto Rico associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Oriental Puerto Rico that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Oriental Puerto Rico
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Oriental Puerto Rico, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Oriental Puerto Rico and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Oriental Puerto Rico nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at 1 (787) 620-0000.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call 1 (787) 620-0000. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Oriental Puerto Rico. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Oriental Puerto Rico and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling 1 (787) 620-0000.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Oriental Puerto Rico and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Oriental Puerto Rico, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Oriental Puerto Rico, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Oriental Puerto Rico, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at 1 (787) 620-0000. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Oriental Puerto Rico, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Oriental Puerto Rico, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Oriental Puerto Rico AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Oriental Puerto Rico, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Oriental Puerto Rico, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Oriental Puerto Rico, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Oriental Puerto Rico, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Oriental Puerto Rico, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through Puerto Rico Federal Credit Union (“Puerto Rico Federal Credit Union”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean Puerto Rico Federal Credit Union.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and Puerto Rico Federal Credit Union that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with Puerto Rico Federal Credit Union corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by Puerto Rico Federal Credit Union associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by Puerto Rico Federal Credit Union that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by Puerto Rico Federal Credit Union
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. Puerto Rico Federal Credit Union, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize Puerto Rico Federal Credit Union and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither Puerto Rico Federal Credit Union nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 749-0500.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 749-0500. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and Puerto Rico Federal Credit Union. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with Puerto Rico Federal Credit Union and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 749-0500.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
Puerto Rico Federal Credit Union and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither Puerto Rico Federal Credit Union, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither Puerto Rico Federal Credit Union, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither Puerto Rico Federal Credit Union, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 749-0500. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. Puerto Rico Federal Credit Union, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER Puerto Rico Federal Credit Union, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. Puerto Rico Federal Credit Union AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. Puerto Rico Federal Credit Union, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
Puerto Rico Federal Credit Union, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL Puerto Rico Federal Credit Union, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY Puerto Rico Federal Credit Union, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither Puerto Rico Federal Credit Union, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through San Miguel Cooperativa (“San Miguel Cooperativa”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean San Miguel Cooperativa.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and San Miguel Cooperativa that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with San Miguel Cooperativa corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by San Miguel Cooperativa associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by San Miguel Cooperativa that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by San Miguel Cooperativa
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. San Miguel Cooperativa, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize San Miguel Cooperativa and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither San Miguel Cooperativa nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 869-5440.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 869-5440. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and San Miguel Cooperativa. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with San Miguel Cooperativa and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 869-5440.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
San Miguel Cooperativa and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither San Miguel Cooperativa, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither San Miguel Cooperativa, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither San Miguel Cooperativa, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 869-5440. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. San Miguel Cooperativa, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER San Miguel Cooperativa, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. San Miguel Cooperativa AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. San Miguel Cooperativa, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
San Miguel Cooperativa, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL San Miguel Cooperativa, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY San Miguel Cooperativa, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither San Miguel Cooperativa, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through San Rafael Cooperativa (“San Rafael Cooperativa”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean San Rafael Cooperativa.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and San Rafael Cooperativa that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with San Rafael Cooperativa corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by San Rafael Cooperativa associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by San Rafael Cooperativa that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by San Rafael Cooperativa
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. San Rafael Cooperativa, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize San Rafael Cooperativa and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither San Rafael Cooperativa nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 895-2050.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 895-2050. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and San Rafael Cooperativa. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with San Rafael Cooperativa and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 895-2050.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
San Rafael Cooperativa and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither San Rafael Cooperativa, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither San Rafael Cooperativa, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither San Rafael Cooperativa, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 895-2050. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. San Rafael Cooperativa, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER San Rafael Cooperativa, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. San Rafael Cooperativa AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. San Rafael Cooperativa, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
San Rafael Cooperativa, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL San Rafael Cooperativa, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY San Rafael Cooperativa, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither San Rafael Cooperativa, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through TuCoop (“TuCoop”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean TuCoop.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and TuCoop that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with TuCoop corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by TuCoop associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by TuCoop that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by TuCoop
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. TuCoop, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize TuCoop and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither TuCoop nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 288-2667.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 288-2667. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and TuCoop. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with TuCoop and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 288-2667.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
TuCoop and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither TuCoop, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither TuCoop, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither TuCoop, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 288-2667. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. TuCoop, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER TuCoop, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. TuCoop AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. TuCoop, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
TuCoop, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL TuCoop, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY TuCoop, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither TuCoop, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.
Terms and Conditions of Use
Welcome to the ATH Móvil service (“Service”). By using the Service you agree to comply with these Terms and Conditions of Use (“Terms and Conditions”). ATH Móvil is a digital payment and transfer service by Evertec offered through VAPR Federal Credit Union (“VAPR Federal Credit Union”). ATH Móvil offers a service that lets you make and receive Transfers, make Payments and Donations, and check the balance of your Designated Account.
This Service is for personal use, allowing you to (1) Transfer funds between your accounts or to your family members, friends, or acquaintances, (2) make Donations to nonprofit organizations registered with ATH Business®, and (3) send Payments to merchants participating in ATH Business. The Service also allows you to receive disbursements of funds from certain ATH Business participant businesses.
At no time should you use the Service to conduct commercial or merchant transactions.
Please read these Terms and Conditions carefully before using the Service as they constitute a contract between the parties and govern the parties’ rights and obligations regarding the Service.
Definitions. Capitalized terms used in these Terms and Conditions shall have the meanings ascribed to them below. References to “you” mean you as the Service user. References to “we,” “us,” and “our” mean VAPR Federal Credit Union.
“App” means the ATH Móvil application for iOS or Android, available through the Apple App Store or the Google Play Store, respectively.
“Password” means the secret code that the user assigns to their Service account.
"Existing Contracts" means the existing agreements and contracts between you and VAPR Federal Credit Union that govern the Designated Account. These Terms and Conditions are part of, and supplement, the Existing Contracts.
“Designated Account” means a savings or checking account of the user with VAPR Federal Credit Union corresponding to the Designated Card.
“Evertec” means Evertec Group, LLC, a limited liability company that operates and owns the ATH® Service and Network, with headquarters in Carr. 176 Km. 1.3, San Juan, Puerto Rico.
“Payment” means any transfer of funds made from a user to a merchant or entity registered with ATH Business or to a business point-of-sale (POS) terminal to pay for goods or services or to make a donation.
“pATH” means the unique identifier for a business or nonprofit organization within the Service.
“ATH Card” means the ATH debit card issued by VAPR Federal Credit Union associated with a Designated Account.
“Designated Card” means an ATH Card number registered by the user in the Service.
“Primary Card” means the Designated Card issued by VAPR Federal Credit Union that the user selected to receive Transfers through the Service.
“Phone” means the personal mobile phone number that the user has registered with the Service.
“Transfer” means any digital transfer of funds from person to person, digital disbursement of funds from a business registered with ATH Business to your Designated Accounts, and digital fund transfers between the Designated Accounts.
“www.athmovil.com” means the Service website operated by Evertec, where users can also obtain information about the Service.
Service Description and Registration
Eligibility. To be eligible to register for the Service, you must meet the following requirements:
Have an ATH Card issued by VAPR Federal Credit Union
Have a mobile phone with:
a 10-digit phone number
at least 64kb of free memory
standard Internet data connectivity with your network operator (e.g. GPRS, 3G, 4G, 5G, or LTE) or Wi-Fi connectivity capabilities
storage available to receive text messages
WPA (Wireless Public Alerting) system compatibility
Have an email address with storage to receive messages
Addresses with disposable email domains, such as “@yopmail.com,” are not allowed.
If you are a minor, you must obtain permission from your parent or legal guardian in order to use the Service. If you are the parent or legal guardian of a minor using the Service, these Terms and Conditions apply to you, and you are responsible for the minor's use of the Service.
How to Register. To register for the Service, you must first download the ATH Móvil App for iOS or Android, available through the Apple App Store or the Google Play Store, respectively. Then, follow the steps outlined in the App to complete your Service Registration. Make sure that the information provided to register, including your personal and Designated Card information, is complete, correct, and matches the information in the Designated Account.
Password and Authentication Factor. As part of the registration process, you will be asked to choose a Password and a 4-digit code to be entered every time you want to access the Service. You will also be able to access the Service using facial recognition or your fingerprint (only if your Phone has these features available). You will be responsible for keeping your password confidential and secure and not disclosing it to anyone. If you forget your Password, you may change it through the App. As an additional security measure, we employ a two-factor authentication (2FA) system that will prompt you to enter a validation code in the App as a second point of authentication. In order to confirm you are the person requesting access to your Service account, we will send the validation code to your Phone number. Furthermore, each time you use the Service from a new device, you will need to authorize the device through an email sent to the address provided. VAPR Federal Credit Union, Evertec, or our representatives will never call you to inquire about or request your registration information, validation code, or Password, or to ask you to change it.
Handling of Information. In order to register for the Service, you will need to provide certain personal information, including, but not necessarily limited to, your name, Phone number, email address, and ATH Card number. You will be able to update some of this information in the course of your use of the Service. The manner in which your data obtained through the Service is handled will be governed by these Terms and Conditions and by Evertec's Privacy Policy, available at www.athmovil.com. You agree to provide only true and accurate information in the course of your use of the Service. You must keep your personal information registered with the Service up to date.
Registration and Data Validation. You authorize VAPR Federal Credit Union and/or Evertec to confirm, directly or through a third party, all information necessary to validate your registration and authenticate your identity and Designated Card. The information we validate includes, but is not limited to: (1) your Phone number, through a code sent to the Phone number provided, (2) your email, using a code sent to the email address provided, and (3) your ATH Card. After your registration has been validated and you add and validate an ATH Card, you will receive a confirmation email from ATH Móvil, and you may then start using the Service.
Your Designated Cards. You may register up to 5 Designated Cards on your Service profile. You should only register Designated Cards you are legally authorized to use. If you register multiple Designated Cards, you must designate one as the Primary Card.
Making Transfers. You can transfer funds to another person: (1) if the person is registered in the Service and you know the Telephone number or scan the user’s QR code that appears on their App, or (2) if the person is registered with other payment or digital wallet services other than ATH Móvil, you will be able to complete the transfer if you know the payname of the person in said service or digital wallet. Transfers to persons outside ATH Móvil may incur service charges; you will have the opportunity to review the applicable charges prior to completing the Transfer. You will also be able to receive Transfers to your Designated Account from people outside ATH Móvil who use other payment or digital wallet services, subject to certain service charges that will be deducted from the transferred amount. To receive these Transfers, you must create your own payname through the App. You may view your Transfer history and details through the App.
Making Payments. You may use your Designated Card to pay businesses for goods or services. You may view your Payment history and details through the App. You can Pay businesses the following ways:
Using the Business pATH: In the App, go to Pay a Business, select the business pATH from the list of available pATHs, and enter the amount to be paid. By initiating a payment order to that pATH, you're authorizing the Service to debit the specified amount from your Designated Account. Examples of pATHs:
| Name of Business | pATH |
|---|---|
| Cookies by Ana | /CookiesByAna |
| Puerto Rico Food Truck | /PRFOODTRUCK |
| Club Futbol 101 | /clubfutbol101 |
Using the ATH Móvil Payment Button on the Business Website or Mobile Application: If the business website has an ATH Móvil payment button (“Pay with ATH Móvil”), you can also use it to start the payment process and following the steps to authenticate and complete the Payment from the App.
Scanning the QR Code: If the business accepts ATH Móvil Payments at its point-of-sale (POS) terminals, you can go to the App, select the Scan QR Code button, scan the QR code displayed on the business's point-of-sale (POS) terminal, verify the amount, and submit the Payment; if the business has a QR Code sign, simply scan the code to proceed with the Payment. If a gas station accepts ATH Móvil Payments through its pay-at-the-pump service, you can go to the App, select the Pay @ the Pump button, scan the QR code displayed at the pump, select the desired amount, and send the Payment. If the amount sent through the App exceeded the final cost of the gas dispensed, you will receive a refund for the difference between the amount you sent and the final cost of the gas dispensed.
Making Donations. You can send donations to a variety of nonprofit organizations from the Donate section of the App. Donations made through the Service are non-refundable and are subject to all other sections of these Terms and Conditions. If you believe you are entitled to a refund of your donation, you should contact the receiving nonprofit organization directly. We reserve the right to add or remove nonprofit organizations listed in the Service from time to time.
Contributing to Causes at Aportaconathmovil.com. The Aportaconathmovil.com website is a digital fundraising platform operated by Evertec (“Platform”) that lets you contribute to charitable causes (“Cause”) established by nonprofit organizations qualified by the Department of Treasury (Hacienda) or unincorporated nonprofit entities, such as clubs, graduating classes, or charitable accounts. As a Service user, you will be able to contribute to a Cause using the ATH Móvil payment button. After selecting the Cause you will contribute to in the Platform, press the ATH Móvil payment button to complete the Payment of your Contribution through the App. Contributions made to charitable causes through the Service are non-refundable and will be subject to these Terms and Conditions and to the Terms and Conditions of Use of Aportaconathmovil.com. If you believe you are entitled to a refund of your contribution, you should contact the receiving nonprofit organization directly. Evertec reserves the right to add or remove Causes or Nonprofit Entities listed in Aportaconathmovil.com at any time and without prior notice for any reason, including excessive use, suspected fraud, regulatory non-compliance, or failure to comply with these Terms and Conditions or the Terms and Conditions of Use of Aportaconathmovil.com. To learn more about fundraising and the different types of Causes available through Aporta con ATH Móvil, please visit Aportaconathmovil.com and read the Terms and Conditions of Use.
Receiving Disbursements. The Service also allows you to receive disbursements of funds from certain ATH Business registered businesses.
Cancelling Transfers. Before sending a Transfer, you are responsible for making sure that the phone number you are sending it to is correct. We are not responsible for Transfers made by the user inadvertently or by mistake. You may only transfer funds from your Designated Account to other Service users using their phone numbers. Therefore, if you transfer funds to a phone number not registered in the Service, the Transfer will remain pending for a period of 1 day and will be cancelled at the end of that day, unless the phone number is registered in the Service during that day, in which case, the Transfer will be completed automatically. You may cancel pending Transfers at any time from the Transfer details in the Activity section of the App. If the phone number isn't registered in the Service within the aforementioned 1-day period, or if it is registered in the Service within said period but you do not have sufficient funds to complete the Transfer, the Transfer will be automatically cancelled.
Requesting Payment Refunds from Businesses. If a business you sent a Payment to determines you are entitled to a refund or an adjustment related to your purchase, the business will be able to credit the Designated Card you used to make the Payment. If you do not have the Designated Card registered in your ATH Móvil profile, the Service will refund your Primary Card on behalf of the business. The business will be able to issue one or multiple refunds for each Payment received, up to the full amount originally paid by the user. Neither VAPR Federal Credit Union nor Evertec exercise any control over the products or services provided by businesses registered in ATH Business or whose point-of-sale (POS) terminals accept ATH Móvil payments.
Voiding or Reversing Transfers, Payments, or Donations. Transfers, Payments, and Donations may be voided and debited if, among other reasons, the transaction is declined or revoked, if it was sent due to a Service error, if it was not authorized, or if it is linked to activities prohibited under the Terms and Conditions or the Existing Contracts.
Access Recovery Process. If you are already registered but have problems accessing the Service, please follow the instructions on the App main screen or at www.athmovil.com, in the FAQ section. These instructions will guide you step-by-step to change your Password, obtain a validation code, and regain access to the Service. If you have other issues with the Service or while using www.athmovil.com, please contact us at (787) 773-7600.
Claims. Our service personnel will handle all claims regarding the Service, your Designated Cards, or your Primary Card when you call (787) 773-7600. Claims will be subject to these Terms and Conditions and to the terms and conditions of any of your Existing Contracts; these Terms and Conditions are part of, and supplement, the Existing Contracts between you and VAPR Federal Credit Union. You may also reach out directly to any merchant that participates in ATH Business or accepts ATH Móvil payments for any claims related to goods or services received from said merchant. In any case, we encourage you to file your claim as soon as possible after the Payment is made.
Service Availability
The Service is usually available 24/7, 365 days a year, except during periods of Service maintenance and under circumstances beyond our control, or if you are in an area with limited mobile network coverage or where Internet access is only available via Wi-Fi. Users may be able to access the Service from abroad to make Transfers, Payments, or Donations. Accessing the Service from abroad may result in charges that are not specific to the Service, such as roaming or mobile network fees levied by the phone service provider. These charges may vary by country and depending on the service contracted with the phone service company. In some instances, accessing the Service from abroad may be prohibited by laws, regulations, regulatory guidelines, or as a means of protecting against cyber fraud.
Relation to Other Agreements
By using the Service, you agree and acknowledge that:
you remain subject to the terms and conditions of your Existing Contracts with VAPR Federal Credit Union and your existing agreements with your unaffiliated service providers (e.g., your phone service provider) (collectively, “Prior Agreements”);
These Terms and Conditions do not modify or replace the terms and conditions of Prior Agreements;
the Prior Agreements may impose charges, taxes, limitations, and restrictions that may affect your use of the Service (e.g., data use limits or fees established by your phone service provider for you to use or interact with the Service, to receive text messages, or for any other operation by your Phone when using the Service);
you will be solely responsible for all applicable charges, taxes, limitations, and restrictions; and
the phone service provider is solely responsible for its products and services; therefore, you agree to resolve any Phone issues directly with your phone service provider and without involving us, Evertec, or any of our affiliates or service providers.
Your Obligations
Your Information and Designated Accounts. You hereby state that you are the legal owner of the Designated Cards and any of other personal and banking information you provide when registering for the Service. You acknowledge and agree that all the information you're providing to us in connection with the Service is accurate and complete, that you have the right to provide us with such information in order to use the Service, and that you will continue to keep such information up to date. You agree not to misrepresent your identity or your information on the Designated Card. You also affirm that you are an authorized user of the Phone you will be using to access the Service.
Security of Your ATH Móvil Account. You agree not to share or give others access to your Password, validation code, or other personal or banking information in order to access the Service. You are responsible for all the Transfers you make through the Service. If you authorize others to use your Password, validation code, Phone, or other methods to access the Service, you will be responsible for any Transfer, Payment, or Donation made by them. If you believe that your Password, Phone, or other means of accessing the Service have been lost or stolen, that someone may attempt to use the Service without your consent, or that a Transfer has been made without your authorization, you must notify us immediately by calling (787) 773-7600.
User Conduct and Prohibited Activities. You agree to use the Service for lawful purposes. You agree not to use the Service in any manner that: (1) is unlawful or violates any applicable law, statute, ordinance, or regulation; (2) interferes with or disrupts the computer networks connected to the Service; (3) interferes with or disrupts Service use by any other user; (4) facilitates unauthorized entry into or access to another person's computer system; or (5) encourages conducts that may constitute a criminal offense or give rise to civil or criminal liability. It is prohibited to resell, lease, rent, or distribute the Service to third parties. You further agree not to use the Service for activities related to transactions involving narcotics, steroids, controlled substances, or products that pose a safety risk to consumers.
Applicable Charges. Use of the Service may be subject to certain taxes and fees from your phone or Internet service provider, which are payable directly to such providers. Please contact your phone service provider to learn more about such charges, if any. You also acknowledge that the Service is a channel available to make Payments or Donations, and to send or receive fund Transfers from person to person or between your accounts. Your rights and responsibilities regarding fees, taxes, or other laws and regulations pertaining to banking or merchant payment transactions will continue to apply to the Transfers, Payments, and Donations made using the Service. There are currently no charges applicable to the Service. However, Evertec reserves the right to charge Service fees at any time with prior notice.
Service Limitations.
VAPR Federal Credit Union and/or Evertec may implement fraud mitigation measures, such as limiting the maximum and minimum amounts for Transfers and Payments or the number of Transfers and Payments you can make and receive per day through the Service. You can visit the FAQs in www.athmovil.com to find out which limits apply. On the other hand, Service availability, timeliness, and performance depends on many factors, including the location of your Phone, the availability and signal strength of the wireless network, and the operation and configuration of the hardware and software. Neither VAPR Federal Credit Union, nor Evertec, nor any of our service providers warrant that the Service will adapt to your needs, operate without interruption, or be free of defects. Neither VAPR Federal Credit Union, nor Evertec, nor any of our service providers will be liable for any loss or damage caused by a downtime or malfunction of the Service or for any actions taken in that regard, for any reason including Service interruptions, delays, inaccuracies, loss of data, or loss of customized settings. Neither VAPR Federal Credit Union, nor Evertec, nor our service providers will be liable for any Service outage caused by a cyberattack, fire, earthquake, flood, hurricane, or other natural event; or for any failure or delay in transportation, power, computer, or telecommunications systems; or for any other cause beyond our control.
Termination of Service
You may terminate your participation in the Service at any time by contacting us at (787) 773-7600. Even if you terminate your participation in the Service, you will remain liable for all of your obligations related to the Service prior to termination. We reserve the right to cancel the Service at any time without prior notice. Both we and Evertec may terminate or temporarily suspend your access to the Service at any time, without notice, and for any reason, including, but not limited to, excessive use, suspected fraud, regulatory compliance, your failure to comply with these Terms and Conditions, or if you stop using the Service. You hereby agree that we will not be liable to you nor to any third party for changes to the Service or for its termination.
Changes in Terms and Conditions
We reserve the right to update, change, and modify these Terms and Conditions or introduce new conditions at any time. Unless notified otherwise, all updates, changes, modifications, additions, or deletions will be effective immediately upon notice, which will be published on the www.athmovil.com website and in the App, and notified to you via email or by any other means by which you are informed of such changes. If we modify the Service, you will be responsible for making sure you understand how to use the Service as modified. Any use of the Service after such notice will be considered your acceptance of the notified changes, modifications, or additions. We reserve the right to change or discontinue, at any given time, any aspect or element of the Service, including, but not limited to, content, hours of availability, and equipment necessary to access or use it.
USE OF SERVICE IS AT YOUR OWN RISK
YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND OF WWW.ATHMOVIL.COM IS VOLUNTARY AND AT YOUR OWN RISK. THERE ARE FRAUD SCHEMES THAT EXPLOIT THE SERVICE TO SCAM USERS. YOU SHOULD ONLY SEND PAYMENTS AND TRANSFERS TO BUSINESSES AND PHONE NUMBERS OF PEOPLE YOU KNOW, RESPECTIVELY. VAPR Federal Credit Union, EVERTEC, OR OUR REPRESENTATIVES WILL NEVER CALL YOU TO INQUIRE ABOUT OR REQUEST YOUR REGISTRATION INFORMATION, VALIDATION CODE, OR PASSWORD, OR ASK YOU TO CHANGE IT. LIKEWISE, WE WILL NEVER CONTACT YOU TO ASK YOU TO MAKE A TRANSFER IN ORDER TO AVOID SERVICE CANCELLATION OR FOR ANY OTHER REASON.
YOU ARE RESPONSIBLE FOR PROTECTING THE CONFIDENTIALITY OF YOUR PASSWORD AND VALIDATION CODE, AND OF ANY TRANSFERS, DONATIONS, OR PAYMENTS YOU HAVE MADE OR AUTHORIZED. NEITHER VAPR Federal Credit Union, NOR EVERTEC, NOR OUR AFFILIATES OR RESPECTIVE EMPLOYEES, OFFICIALS, SHAREHOLDERS, AGENTS, SERVICE PROVIDERS, OR LICENSORS GUARANTEE THAT WWW.ATHMOVIL.COM WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS. WE ALSO MAKE NO GUARANTEES AS TO THE OUTCOMES THE USER MAY OBTAIN FROM USING THE SERVICE AND WWW.ATHMOVIL.COM OR AS TO THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION, SERVICE, OR GOODS PROVIDED THROUGH THE SERVICE OR WWW.ATHMOVIL.COM.
NO WARRANTY
THE SERVICE IS PROVIDED “AS IS,” AND IS ACCEPTED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. VAPR Federal Credit Union AND EVERTEC MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICE. EVERTEC EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF OWNERSHIP, MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. VAPR Federal Credit Union, EVERTEC, THEIR AFFILIATES, THEIR RESPECTIVE EMPLOYEES, SHAREHOLDERS, AGENTS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS MAKE NO WARRANTY THAT THE SERVICE WILL OPERATE UNINTERRUPTEDLY OR BE FREE OF ERRORS, NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT THE USER MAY OBTAIN FROM USING THE SERVICE, INCLUDING THE ACCURACY, RELIABILITY, OR CONTENT OF ANY INFORMATION OR FEATURE PROVIDED THROUGH THE SERVICE.
LIMITATIONS ON LIABILITY AND INDEMNITY
VAPR Federal Credit Union, EVERTEC, OR ANY OTHER PERSON OR ENTITY PARTICIPATING IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, WILL UNDER NO CIRCUMSTANCES BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS OR USE OF THE SERVICE OR FROM YOUR INABILITY TO USE THE SERVICE OR WWW.ATHMOVIL.COM. AS A USER OF THE SERVICE, YOU AGREE AND ACKNOWLEDGE THAT THE PROVISIONS IN THIS SECTION APPLY TO ALL CONTENT IN THE APP AND IN WWW.ATHMOVIL.COM. UNDER NO CIRCUMSTANCES SHALL VAPR Federal Credit Union, EVERTEC, OR ANY OTHER PERSON OR ENTITY INVOLVED IN THE CREATION, PRODUCTION, SALE, OR DISTRIBUTION OF THE SERVICE OR OF WWW.ATHMOVIL.COM, BE LIABLE FOR ANY ERRORS, OMISSIONS, OR OTHER DEFECTS IN THE INFORMATION OR CONTENT OF WWW.ATHMOVIL.COM, OR FOR DELAYS OR INTERRUPTIONS IN TRANSMISSIONS TO ANOTHER USER (REGARDLESS OF CAUSE OR DURATION), OR FOR ANY CLAIMS OR LOSSES ARISING AS A RESULT OF SUCH ERRORS, OMISSIONS, DEFECTS, DELAYS, OR INTERRUPTIONS. THIS NO-LIABILITY DISCLAIMER APPLIES TO ANY INJURY OR DAMAGE CAUSED BY NON-COMPLIANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAYED OPERATION OR TRANSMISSION, CYBER VIRUS, TRANSMISSION LINE MALFUNCTION, THEFT OR DESTRUCTION, OR UNAUTHORIZED ACCESS, WHETHER FOR BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WE ARE NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT YOU ASSUME THE ENTIRE RISK OF ANY AND ALL DAMAGES. YOU AGREE TO DEFEND, HOLD HARMLESS, AND INDEMNIFY VAPR Federal Credit Union, EVERTEC, AND THEIR RESPECTIVE AFFILIATES AND DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, AND ASSIGNEES FROM ALL CLAIMS AND EXPENSES, INCLUDING ATTORNEYS' FEES, ARISING FROM YOUR USE OF THE SERVICE OR OF WWW.ATHMOVIL.COM, OR FROM YOUR VIOLATION OF THESE TERMS AND CONDITIONS, EXCEPT WHERE SUCH CLAIM OR EXPENSE WAS CAUSED BY GROSS NEGLIGENCE OR INTENTIONAL ILLEGAL CONDUCT OF THE PARTY TO BE DEFENDED, HELD HARMLESS, AND/OR INDEMNIFIED.
Copyright and Registered Trademarks
You may use the content provided through the App and www.athmovil.com only in conjunction with your use of the Service. Any modification, publication, transmission, participation in the transfer or sale, creation of derivative works, or exploitation in any way of the technology used in the Service is prohibited, including, but not limited to, any applications or software associated with the Service. The www.athmovil.com website contains copyrighted material, registered trademarks, or other proprietary information, some of which is owned by Evertec and some, owned by third parties. All the content in www.athmovil.com has been copyrighted as collective work. Evertec may modify, withdraw, or deny access to www.athmovil.com at any time or enforce other access restrictions. The ATH Network, ATH Móvil, and ATH Business, including their logos and designs, are service marks of Evertec, and all rights to them are reserved. Any other trademarks or logos shown in the App or in www.athmovil.com are property of their respective owners.
Links to Other Websites
The App and www.athmovil.com may contain links to other websites that are not under our control. We are not responsible for these sites and do not endorse them. You are responsible for reviewing the terms and conditions and the privacy policy of any other website you visit. We are committed to providing you with quality online services. If you find information you deem inaccurate in www.athmovil.com, or if you have concerns about a link to a third-party website, please contact ATH Móvil Service Desk at 787-775-2846.
Content of the Service and www.athmovil.com
All opinions, advice, statements, services, offers, or other information or content expressed or displayed by third parties (including information providers) in the App or in www.athmovil.com belong to their respective authors or distributors and not to us. Neither VAPR Federal Credit Union, nor Evertec, nor our agents, nor any third-party information providers guarantee the content's accuracy, correctness, or usefulness for marketing purposes or its fitness for a specific purpose. We do not endorse and are not responsible for the accuracy or reliability of any opinion, advice, or statement made regarding the Service or www.athmovil.com, or published in the App or in www.athmovil.com, by any person other than our corporate spokespersons acting in their official capacities.
Entirety of Agreement
These Terms and Conditions and the Existing Contracts constitute the entire agreement between the parties and supersede any prior verbal or written agreements between the parties pertaining to the use of the Service.
Governing Law and Jurisdiction
These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, notwithstanding any rules on conflict of laws. All causes of action of any kind arising from these Terms and Conditions will be filed in the Commonwealth of Puerto Rico.