The South Dakota Stored Value Product Agreement and Disclosures govern the terms and conditions associated with stored value products offered in South Dakota. These products include prepaid cards, electronic gift cards, and similar payment instruments. It is important for consumers to understand the agreement and disclosures before purchasing or using these types of products. The agreement outlines the rights and responsibilities of both the issuer (such as a financial institution or retailer) and the consumer. It covers various aspects such as card activation, load limits, expiration dates, fees, and fund availability. The purpose is to ensure transparency and protect consumers from unfair practices. The agreement and disclosures typically include important information such as: 1. Card Activation: This section explains how the card can be activated and any associated fees. It may also include instructions on how to register the card for online purchases or additional services. 2. Load Limits: Specifies the maximum amount of funds that can be loaded onto the card. This limit may vary depending on the type of stored value product. 3. Expiration Dates: States the date until which the card or funds will remain valid. It is essential for consumers to know the expiration date to avoid losing funds. 4. Fees and Charges: Discloses the fees that may be charged for various transactions or services, such as purchase fees, reload fees, monthly maintenance fees, balance inquiry fees, or ATM withdrawal fees. It is important to be aware of these fees to manage the funds effectively. 5. Fund Availability: Details the time it takes for funds to be available after a reload or deposit. It may also mention any holds placed on funds for security or verification purposes. 6. Liability and Fraud Protection: Outlines the measures taken by the issuer to protect customers from unauthorized transactions and liability. It may include instructions on how to report lost or stolen cards and the consumer's responsibility to notify the issuer promptly. 7. Customer Service: Provides contact information for customer support or assistance regarding the stored value product. Different variations of the South Dakota Stored Value Product Agreement and Disclosures may exist due to varying issuers or types of stored value products available in the market. Therefore, specific agreements and disclosures may differ slightly depending on the institution or retailer offering the product.
South Dakota Stored Value Product Agreement and Disclosures
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