Terms and Conditions
Please read these pages carefully. They contain important information about the use of this card protection service and are the terms of the agreement between yourself and the service provider. The card protection service is supplied through this Website provided by Mighty Net, Inc.
Card Registration
You can register all of the cards that you have been issued including, but not limited to, credit cards, debit cards, charge cards, bank cards, loyalty cards, membership cards, airline cards, club cards, health cards. There is no limit to the number of cards that may be registered, nor to the number of individuals within one household who hold cards.
You will record these details online and you can check them any time by logging on to the Website, if you are an unlimited access user. One time users of the service will receive an email confirmation of the notification.
Lost/Stolen Cards
In the event of loss or theft, where possible you should record the details through the Website. Mighty Net will then notify the relevant issuers of all those registered cards that you have reported lost or stolen. The card issuer/s will respond to the notification/s and take the appropriate action. The issuer's normal terms and conditions will apply.
For unlimited access users, in the event that cards are lost or stolen and you do not have Internet access or access to the Website, you may contact the emergency service number, provided by the organization that introduced you to our service, and a report will be taken from you. This is the only service that will be available to you over the telephone. Note this does not apply where you have been referred to this site from a banner or text link on a third party site and purchased the service directly from CardPalSM/Mighty Net.
Confirmation of the action taken by Mighty Net will be sent by e-mail to your registered e-mail address.
Change of Address
When you change your address you may register the change through the Website. Mighty Net will then send out notifications to the issuers of all the cards that you have registered apart from those that cards have an alternate billing address recorded on the Website.
Confirmation of the action taken by Mighty Net will be sent by e-mail to your registered e-mail address.
New Card Request
Should you wish to request a new card or need to replace one that has (for instance) been damaged or has stopped working, you can complete a request online. Mighty Net will forward this request to the relevant card issuer/s who will respond to that request within their own terms and conditions.
Confirmation of the action taken by Mighty Net will be sent by e-mail to your registered e-mail address.
Billing Dispute
If you wish to dispute a charge or charges to one or more of your accounts, you can use the Website to do so. You will be required to complete a report that will then be forwarded to the relevant card issuer/s.
Confirmation of the action taken by Mighty Net will be sent by e-mail to your registered e-mail address.
Duplicate Bill Request
You may request duplicate copies of bills or statements from your registered card issuer/s via the Website. Mighty Net will forward these requests to the appropriate issuer/s. Please note that some card issuers may charge for this service and you should refer to the terms and conditions of your agreement with them for full details.
Confirmation of the action taken by Mighty Net will be sent by e-mail to your registered e-mail address.
Marital Status Change
If your marital status has changed you can record this and any associated change of name on the Website. Notification will be sent to the card issuer/s who will then take appropriate action. Please note that some card issuers may require additional proof of change of name before processing the request.
Confirmation of the action taken by Mighty Net will be sent by e-mail to your registered e-mail address.
Credit Limit Increase
You may request an increase in your credit limit (either on a temporary or permanent basis) via the Website. You will be asked to record the reason for your request, which will then be forwarded to the relevant card issuer/s. The card issuer/s may require a written application. The card issuer/s will make a decision on your request and advise you through their normal channels.
Confirmation of the action taken by Mighty Net will be sent by e-mail to your registered e-mail address.
Archives
For unlimited access users, Mighty Net, Inc. will maintain a secure archive on the Website of all the services that you request or have utilised, on your behalf and for your future reference.
Information about other members of your household
Other members of your household may wish to benefit from this service and you will therefore need to register their details and issue instructions to third parties via this site on their behalf. In doing so you will need to obtain their express consent or they will need to record the information themselves.
Limits of Liability
Mighty Net, Inc. will not accept liability for the failure of a card issuer to respond to a request sent by Mighty Net, Inc. following notification from you, nor for any incorrect information supplied by you when recording details on the Website.
We will not be liable to you...
- if we are unable to perform any of our obligations (including delay) to you due to failure of any of our data processing systems, hardware systems, the internet or because of anything outside our reasonable control which will include industrial dispute.
- for any failure on the part of any card issuer to act upon information that we send to them.
- for anyone other than you accessing the services or any information registered online.
- for any indirect or consequential losses if we fail to act on your instructions for any reasons.
Customer Service
Customer service requests regarding the card protection service should, in the first instance, be addressed to:
- Technical Support on the web site or directly to support.cardpal@cardpal.com
- If this does not resolve your request you should write to:
For US Customers:
CardPalSM/Mighty Net, Inc.
PO BOX 9153
Canoga Park, CA 91304
Attn: Customer Service
- If this does not resolve your complaint you should write to the customer services manager at the organization that introduced you to this service. Note this does not apply where you have been referred to this site from a banner or text link on a third party site and purchased the service directly from CardPalSM/Mighty Net.
Cancellation
You may cancel a membership by sending a request from the services page on our Website or through the company that introduced you to the service (your sponsor). Within 120 (one hundred and twenty) days of receiving a notice of cancellation we will destroy all data - except for your first and last names, a unique user i.d. and the dates that you started and cancelled, in order to identify that you were once a member. This data will only be available to authorized employees (and to your sponsor) in the event of a dispute. Upon receipt of a written request we will also destroy your personal identifying data (first and last names), keeping only the non-identifiable data for statistical purposes.
Security and Privacy Policies
Security is important to us, and we take it very seriously. When you make an entry or use a service on the Mighty Net web site, we encrypt all of your sensitive information. That information is held on a secure server housed in a secure data center. All transactions are conducted through our secure servers, which are protected by state-of-the-art firewalls.
For a more detailed explanation of how we protect your personal information, see our full Security & Privacy Policy.
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