Our Commitment to Privacy

BillExpressOnline.com has published this privacy statement in order to demonstrate our firm commitment to your privacy. The following discloses our information gathering and dissemination practices for this website, www.billexpressonline.com.

Use of your personal information

Our site's request for information form requires users/customers to give us confidential information including name, telephone numbers and payee account information. We do use customer contact information from the registration form to send the user information about the services of our company. The customer's contact information is also used to contact the customer when necessary.

We do not share your personal information with other companies, the government or any third party except in the following situations:

1. To a payee to request that your bill be sent to you electronically;
2. Where it is necessary for completing transactions;
3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or payee;
4. To a consumer reporting agency for research purposes only;
5. In order to comply with a governmental agency or court orders; or,
6. If you give us your written permission.

We do not sell you personal information to anyone. Other than as set out above, your personal information is kept strictly confidential.

We use your IP address to help diagnose problems with our server, and to administer our website. Your IP address is used to gather broad demographic information. We use cookies to deliver content specific to your interests and to save your password so you don't have to re-enter it each time you visit our site.

Demographic and profile data is also collected at our site. We use this to tailor our visitors’ experience at our site, showing them content that we think they might be interested in, and displaying the content according to their preferences.

If we change our privacy policies or practices, we will publish those changes on our website.

This site may contain links to other sites. www.billexpressonline.com is not responsible for the privacy practices or the content of such websites.

Terms and Conditions of BillExpress Online

Terms of Use

Please read the following Terms & Conditions carefully since they govern your use of the GraceKennedy Remittance Services (GKRS) Bill Express website (www.billexpressonline.com). From this point on, we will refer to the GKRS website as "Service" in these Terms of Conditions.

By accessing this site you indicate your acknowledgement and acceptance of these terms and conditions.

If you do not agree to the Terms & Conditions below, please do not access this site or any of the pages herein.

Definitions

"Service" means the bill payment service offered by GraceKennedy Remittance Services Limited (“GKRS”) through the www.billexpressonline.com website ("the website"), and a reference to the Service includes GKRS, as the context may require.

"Agreement" means these Terms and Conditions of the Service which are legally binding on you and the Service once you give a Payment Instruction or other information on the website.

"Payee" means the person or entity to which you wish a bill payment to be directed.

"Payment Instruction" means the information provided by you to the Service for a bill payment to be made to the Payee (such as, but not limited to, Payee name and Payee account number).

"Business Day" means every Monday through Friday, excluding public holidays.

"Scheduled Payment Period" means the period of two Business Days after your credit card is debited within which, subject to the provisions hereof, your Payee account shall be credited with your payment.

"Due Date" means the date reflected on your Payee statement on which the payment is due. It is not the late date or grace period.

"Scheduled Payment" means a payment that has been scheduled through the Service but has not begun to be processed.

Access to and from Website

All information submitted to GKRS via this website shall be and remain the property of GKRS. GKRS shall be free to use, for any legal purpose, any ideas, concepts, know-how or techniques contained in information a user to this Website provides. We will use our best efforts to include accurate and up to date information on this website, but we make no warranties or representations as to the accuracy of the information.

Service Responsibility

Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, there may be delays in the crediting of some transactions to your account. The Service shall not be responsible for any such delay, but will bear responsibility only for the transmission of transaction information to the respective Payee who then has the sole responsibility for crediting your account.

Payment Authorization and Payment Remittance

By providing the Service with names and account information of Payees to whom you wish to direct payments, you thereby authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Payee directives.

When the Service receives a Payment Instruction from you, you thereby authorize the Service to charge your credit card and remit funds on your behalf so that, subject to the terms and conditions herein contained, your account shall be credited within the Scheduled Payment Period. You also authorize the Service to credit your credit card for payments returned to the Service by the Payee.

The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability whatsoever for any loss, damage, expense or cost of any kind, and any Service guarantee shall be void and of no effect if the Service is unable to complete any payment initiated by you because of the existence of any one or more of the following circumstances:

• Through no fault of the Service, your credit card does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit on your credit card;
• The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;
• You have not provided the Service with the correct name, address, phone number, or account information for the Payee, or if any other information provided by you is incorrect; and/or,
• Circumstances beyond control of the Service (such as, but not limited to, fire, flood, break or surge in electricity supply or interference from an outside force) prevent the proper execution of the transaction.

Provided that none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your credit card or causes funds from your credit card to be directed to a Payee which does not comply with your Payment Instruction, the Service shall be responsible for returning the improperly transferred funds to your credit card, and for directing to the proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges. This shall be the extent of the liability of the Service hereunder.

Payment Methods

The Service reserves the right to select the method in which to remit funds on your behalf to your Payee. These payment methods may include, but are not limited to, an electronic payment, an electronic to cheque payment, or a laser draft payment.

Payment Cancellation

Once the Service has begun processing a payment it cannot be cancelled or edited.

Prohibited Payments

Payments to Payees who GKRS does not currently represent are prohibited through the Service. This Agreement does not alter your liability or obligations that currently exist between you and your Payees.

Exclusion of Warranties

THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Password and Security

You agree not to give or make available your password (where applicable) to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service with your credit card on your behalf, you are wholly responsible for any transactions that they authorize. If you believe that your password has been lost or stolen or that someone may attempt to use the Service with your credit card without your consent, you must notify the Service at once by calling 888-555-5555 during customer service hours (9:00 a.m. - 5:00 p.m. each Business Day).

Your Liability for Credit Card Transactions

Subject to the Service Responsibility set out above, GKRS is not responsible for transactions done using your credit card since GKRS offers the Service using a secure server and therefore has no access to the particulars of your credit card and no control over the use of your card. For the avoidance of doubt, GKRS shall not be liable to you in respect of any transaction done using your credit card or credit card account number whether or not such transaction was done by a third party without your knowledge or consent.

Errors and Questions

In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following:

1. Telephone us at (876) 929-1331, or toll free (local) at 888-555-5555 during customer service hours;
2. Write us at: info@billexpressonline.com, 42-56 Harbour Street, Kingston, Jamaica W.I.

If you think your statement is incorrect or you need more information about a transaction listed on the statement, you must contact us no later than sixty (60) days after the FIRST statement was posted on which the problem or error appears. You must:

1. Tell us your name;
2. Describe the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,
3. Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. Notwithstanding the foregoing, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your credit card within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your credit card. If it is determined that there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find that an error did not occur.

Disclosure of Account Information to Third Parties

GKRS may use standard Web tracking software to collect non-identifying information about visitors to its website such as:

1. Date and time website was accessed.
2. City, State and Country from which access was made.
3. Web browser used.
4. IP address (A numeric address given to servers connected to the internet).

Some areas of the web site may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:

GKRS may use this information to create summary statistics and to determine the level of interest in its website.

1. Where it is necessary for completing transactions that you have requested;
2. Where it is necessary for activating additional services;
3. Where it is necessary in order to request that a Payee sends you your bill electronically;
4. In order to verify the existence and condition of your account to a third party, such as a credit bureau or Payee;
5. To a consumer reporting agency for research purposes only;
6. In order to comply with a governmental agency or court orders; or,
7. If you give us your written permission.

Service Fees and Additional Charges

Though the Service is free to you, there will be a charge for optional services offered by GKRS on the website. You hereby agree to pay such charges and authorize the Service to deduct the calculated amount from your credit card for these amounts and any additional charges that may be incurred by you. The calculation of any such amount shall be final and binding on you, except in the case of manifest error. Any financial fees associated with your credit card will continue to apply. You are responsible for any and all telephone access fees and/or internet service fees that may be assessed by your telephone and/or internet service provider.

Failed or Returned Transactions

In using the Service, you are requesting the Service to make payments for you from your credit card. If we are unable to complete the transaction for any reason associated with your credit card (for example, you have exceeded your credit limit), the transaction will not be completed.

Alterations and Amendments

This Agreement, and the applicable fees and service charges may be altered or amended by the Service from time to time without notice. In such event, the Service shall not be obliged to inform users but shall ensure that the new terms and conditions are posted on the site. Any use of the Service after the Service posts new terms and conditions will be deemed to constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates.

Information Changes

It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made online only. All changes made are effective immediately for Scheduled and future payments paid from the updated information. You hereby agree that the Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate information in your contact information, Payment Instructions or otherwise.

Service Termination, Cancellation or Suspension

The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement up to the date of termination or suspension.

Payee Limitation

The Service reserves the right to refuse to pay any Payee to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Payee designated by you.

Returned Payments

In using the Service, you understand and agree that Payees may return payments to the Service for various reasons such as, but not limited to, (a) Payee account number not valid; (b) Payee is unable to locate account; or (c) Payee account paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Payee, or void the payment and credit your credit card.

Information Authorization

Your use of the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. Through your enrollment in the Service, you agree that the Service reserves the right to request a review of your credit rating at its own expense through an authorized credit bureau. In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a Payee or your financial institution (for example, to resolve payment posting problems or for verification).

Disputes

In the event of a dispute regarding the Service, you and the Service hereby agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee or other representative of the Service says and the terms of this Agreement, the terms of this Agreement will prevail.

Assignment

You may not assign this Agreement to any other party. The Service may assign this Agreement freely. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver

The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions

The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of Jamaica, without regard to its conflicts of laws provisions, and you hereby agree that the Courts of Jamaica shall have jurisdiction to hear and determine any matter arising hereunder and expressly waive any claim of inconvenient forum.

Copyrights

Copyright in the images, text, screens, and web pages appearing at this website is owned by GKRS or others as indicated. Users may copy information from the web site for their own personal or educational use only, provided that each copy includes any copyright, trademark, or service mark notice as they appear on the pages copied. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted or otherwise used for public or commercial purposes, except as provided in these terms and conditions without the express written permission of GKRS.

Links to Other Websites

GKRS may establish links between this website and other websites operated by non affiliated third parties. GKRS has no control over any other such websites or the contents therein and the existence of any such link shall not constitute and endorsement by GKRS. All user access to any of these hyperlinks are at the user’s own risk and the content, accuracy, opinions expressed, and other links provided are not investigated, verified, monitored, or endorsed by GKRS.

THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF ANY EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.