PLEASE READ THESE CUSTOMER STANDARD TERMS AND CONDITIONS VERY CAREFULLY BEFORE REGISTERING AS A CUSTOMER.  THESE CUSTOMER STANDARD TERMS AND CONDITIONS ARE AN IMPORTANT PART OF YOUR AGREEMENT WITH TREASCORE.

These Standard Customer Terms and Conditions are incorporated into and constitute a material part of the Customer Agreement (the "Agreement") between you (the "Customer") and TreasCore, Inc. ("TreasCore").  The effective date of this Agreement (the "Effective Date") is the date on which Customer accepts the following terms and conditions by clicking "I agree" on TreasCore’s Online Enrollment Form.

In order to use the service, you must be an individual person at least 18 years of age and able to form legally binding contracts under applicable law.  You must have a postal mailing address in the United States and a valid and active e-mail address.  You must have a valid checking account with a U.S. financial institution.  You must be a United States resident.  Other restrictions may apply.

1. DESCRIPTION OF SERVICES; START DATE FOR SERVICES:  TreasCore will provide the bookkeeping, personal treasury/financial management and bill payment services (the "Services") as described on our web site www.treascore.com for the Service Package selected by Customer.  TreasCore will begin providing the Services on the Effective Date.  TreasCore will assist Customer in collecting funds and bills to initiate the Services but it is Customer's responsibility to provide TreasCore with the materials and information necessary to provide the Services.  If TreasCore does not receive all of Customer's required information in a timely manner, Customer will still be responsible for all applicable fees, including any monthly service charges.

2. NON-REFUNDABLE SET-UP FEE:  Customer will pay the set-up fee for the applicable Service Package and hereby authorizes TreasCore to charge the credit card or bank account designated by Customer for such set-up fee.  THIS SET-UP FEE IS NOT REFUNDABLE.

3. MONTHLY FEES; OTHER SERVICE FEES:  Customer will pay the monthly fee for the applicable Service Package as described on our web site www.treascore.com for each month (or portion thereof) from the Effective Date until the end of the term of this Agreement, as well as any applicable fees specified in TreasCore's fee schedule (the "Fee Schedule"), which may be updated from time to time by TreasCore.  Customer's account will be billed for the monthly fee and the set-up fee on the Effective Date and then once a month thereafter until the end of the term.  All other services fees incurred by Customer will be billed on a monthly basis.  The monthly fee for the last month of the term will not be prorated (e.g., if the last day of the term is not the last day of billing cycle).  If the number of bills exceeds the number of bills described in Customer's selected Service Package, the Customer will pay the monthly fee for the applicable Service Package that corresponds to the number of bills paid.  If there is a lack of funds in your account, you will be mailed or emailed a statement reflecting the current monthly charge which is due, in full, within 20 days of the statement date.

4. FEE SCHEDULE:  Your TreasCore account may periodically be subject to additional charges that will be applied to your monthly service fee.  Below is a list of some of the charges and TreasCore retains the right to add or adjust charges at any time:

Wire Transfer Fee:  $10
Account Debit Insufficient Funds Fee: $25
Rushed or Overnight Payment Processing Fee (less than 5 business days): up to $15
Phone payment fees: Vendor may charge Customer directly.  TreasCore will not charge in addition to process.
Cashier's check fee: $5

If the customer requests additional services not included in the customers selected Service Package then the time needed to complete the additional services will be billed in 15 minute increments at $65 per hour and charged to the Customer the next calendar month.  The time to complete and the cost of the additional services will be established by TreasCore at the time of the customer’s request.  The Customer has 30 days to review any charges billed to their TreasCore account.  The Customer may also contact TreasCore to request a change to the Customer's Service Package.  

Customer agrees to pay TreasCore for any special services we perform against your account at your request (e.g. year/monthly CD-ROM's; requests for copies of archived bills and checks; and the costs we incur in responding to subpoenas and other legal process related to your transactions).  There may be other costs as well.

5. PRICE CHANGES:  The monthly service fees in effect on the Effective Date will continue to apply for a period of one (1) year from the Effective Date.  The Fee Schedule and all general pricing structure may be updated from time to time by TreasCore.  A current copy of the Fee Schedule is available from TreasCore upon request and TreasCore will use commercially reasonable efforts to inform Customer of any changes to the Fee Schedule at least [thirty (30)] days before such changes become effective.

6. TERMINATION; EARLY CANCELLATION FEE:  This Agreement may be terminated at any time by either party upon thirty (30) days' advance written notice to the other party.  If this Agreement is terminated prior to the first anniversary of the Effective Date either (a) by TreasCore pursuant to paragraph 10 below or for customer's default or (b) by customer, Customer will pay a cancellation fee of two (2) times the applicable monthly fee.

7. CREDIT CARD AND BANK ACCOUNT CATEGORIZATION:  If credit card and/or bank account categorization is included in the package selected by Customer, Customer may establish and provide to TreasCore Access Information including online user names, passwords and other required information for Customer's credit card and bank account (“Access Information”).  Upon request, TreasCore will assist Customer in establishing online user names and passwords for such accounts.  TreasCore will only use this information to download Account Information such as bank account and credit card activity (“Account Information”), so that categorization can occur.  Customer may also provide the data in Microsoft Excel format or a format that will import to Microsoft Money or Quicken on a monthly basis.

If Customer chooses to only provide copies of account statements, TreasCore will be required to manually enter transactional data into the TreasGuard system.  If credit card and/or bank account categorization is included in the package selected by Customer, the monthly service fee inlcudes transactional data for one account per month to be entered manually.  For each additional account manually entered into the TreasGuard system our hourly rate will apply.

8. BILLS PAID AND REPORTS:  On the fifteenth (15th) calendar day of every month, or at a regular monthly interval deemed appropriate by TreasCore, TreasCore will mail, email or make available via secure website (www.treasguard.com) to Customer all actual bills paid, categorization reports, and a reconciliation of Customer's account with TreasCore.  These reports and reconciliations will reflect activity for the prior month.  You agree to review each monthly account activity statement and to notify us immediately if there are any unauthorized payments or errors.

9. AUTHORITY TO MAKE PAYMENTS:  You will agree to maintain a balance in your account that is sufficient to fund all payments that are due.  Payments are debited from your account in an amount equal to the amount of the payment along with any applicable service fees.  Provided there are sufficient funds in your account to cover the payment amount, the payment is paid in full.  A check will be issued by TreasCore in the payment amount, mailed by 1st class mail, to the individual or entity which payment is to be made.  Alternatively, we may choose to arrange for an electronic payment to be made to the individual or entity, which we will initiate.  You also agree that we are not responsible for any insufficient funds situation or charge (including, but not limited to, finance charges, late fees or similar charges) caused by your failure to maintain a balance that is sufficient to fund all payments that are due.

We are not responsible for any failure to complete or delay in completing any payment due to any of the following:

• Your account balance does not contain sufficient funds to complete the payment.
• Your account with us has been closed.
• The payee rejects or returns the payment for any reason.
• You have provided us with incorrect information about the payee you wish to pay.
• The payee mishandles or delays handling or posting any payment we send.
• Circumstances beyond our control (e.g. act of God, computer malfunction, Postal Service) prevent or delay the transfer of payment from being completed.
• There may be other exceptions as well.

• 1st class Mail:  All 1st class mail may be opened and all bills, invoices, statements of account and similar items will be scanned into the system.  All other materials, whether included with a bill or sent to us separately may be examined.  Pertinent information other than a bill or billing insert will be included in subsequent pages with your bill.
  • Physical items, such as credit cards or insurance cards will be mailed to your home address. An e-mail notification will go out notifying you that these items are in the mail.  If you do not receive these items, you will need to contact TreasCore.
  • Paperwork needing immediate attention will be scanned and e-mailed to you.  The originals will be filed in your monthly folder.
  • Any non-bill notices, such as a rate change, will be scanned and delivered through the TreasGuard system.  Account-related items sent to TreasCore, such as a calling card, are immediately forwarded to your home mailing address.
• Packages:  All other items received, such as merchandise ordered online, cannot be accepted and will be returned to sender. Please be sure to indicate your home as the shipping address when ordering items online, through catalogs, etc.
• Junk Mail:  All other mail (e.g. flyers, credit card applications, advertisements, envelopes, newsletters, etc.) will be shredded on site.

• The information returned by our address cleansing process determines the format of the address does not comply with the USPS standards.
• We have determined the address provided is not a valid address for the payee.
• The payee has closed the address, and provided us with a new address.
• We have established a relationship with the payee to send payments to a different address other than the one provided on the statement.

• Where it is necessary for opening or maintaining your account, or for completing transfers or payments.
• Where it is necessary to obtain Account Information for credit card and bank account categorization purposes
• Where it is necessary for adding a payee (individual or entity) to your account.  Also, for telling the payee where your account statement (bill) should be sent for processing.
• If lawfully required.
• If you request or authorize it.

25. ENTIRE AGREEMENT:  This Agreement contains the entire agreement between the parties, and no statements, promises, or inducements made by either party or any agent of either party that are not contained in this Agreement will be valid or binding; this Agreement may not be modified or altered, except as set forth in a written instrument signed by both parties.

26. SEVERABILITY:  If any provision or terms of this Agreement is deemed to be unenforceable by a court of competent jurisdiction, all remaining terms not so affected will remain in full force and effect.

27. RESOLUTION OF FEE DISPUTES BY ARBITRATION:  Any controversy or claim arising out of or relating to a fee charged pursuant to this Contract shall be settled by arbitration under the fee arbitration rule of the Rules Regulating the Florida Bar.  Judgment upon the award rendered may be entered in any court having competent jurisdiction.

By accessing and using this service, you agree to these Terms and Conditions without limitation or qualification.

THANK YOU FOR BECOMING A TREASCORE CUSTOMER