|THE FOLLOWING DESCRIBES THE TERMS ON WHICH ePayWeb OFFERS YOU ACCESS TO OUR SERVICES.
ePayWeb is only a Payment Service Provider. ePayWeb acts as a payment service provider by creating, hosting, maintaining and providing our Service to you via the Internet. We do not have any control over the products or services that are paid for with our Service. We cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction.
This User Agreement ("Agreement") is a contract between you and ePayWeb, Inc. and applies to your use of the ePayWeb™ payment service and any related products and services available through www.ePayWeb.com (collectively the "Service"). If you do not agree to be bound by the terms and conditions of this Agreement, please do not use or access our Services.
For additional information about the Service and how it works, please also consult the ePayWeb Help section or contact us.
We may amend this Agreement at any time by posting the amended terms on our site. Except as stated below, all amended terms shall be effective 30 days after they are initially posted on our site.
In this Agreement, "you" or "your" means any person or entity using the Service ("Users"). Unless otherwise stated, "ePayWeb," "we" or "our" will refer collectively to ePayWeb, Inc. and its subsidiaries. Unless otherwise specified, all references to a "bank" in this Agreement include savings associations and credit unions, and all references to a "credit card" include Visa- and MasterCard-branded debit cards.
This Agreement was last modified on August 15, 2006.
1. Eligibility. In order to use the Service, you must register for an account. Users may only hold one account. Our Services are only available to individuals or businesses that can form legally binding contracts under applicable law. Without limiting the foregoing, our Service is not available to minors (under 18), persons who are suspended from our Service, or to persons who present an unacceptable level of credit risk.
2. The Legal Relationship between You and ePayWeb.
2.1 Agency Relationship. ePayWeb acts as a facilitator to help you accept payments from and make payments to third parties. We act as your agent based upon your direction and your requests to use our Services that require us to perform tasks on your behalf. ePayWeb will at all times hold your funds separate from its corporate funds, will not use your funds for its operating expenses or any other corporate purposes, and will not voluntarily make funds available to its creditors in the event of bankruptcy or for any other purpose. You acknowledge that (i) ePayWeb is not a bank and the Service is a payment processing service rather than a banking service, and (ii) ePayWeb is not acting as a trustee, fiduciary or escrow with respect to your funds, but is acting only as an agent and custodian.
You are not required to carry a balance in your ePayWeb account in order to use the Service. If you do carry a U.S. Dollar balance in your ePayWeb account, ePayWeb will pool your funds together with funds from other Users, and will place those funds in accounts at one or more FDIC-insured banks. Those funds may be eligible for FDIC pass-through insurance.
You agree that you will not receive interest or other earnings on the funds that ePayWeb handles as your agent. ePayWeb may earn interest on those funds, or may receive a reduction in fees or expenses charged for banking services by the banks that hold your funds.
By initiating and sending payments through the Service or adding funds to your balance, you appoint ePayWeb as your agent to obtain the funds on your behalf and to transfer the funds to the recipient that you designate or to a Pooled Account, subject to the terms and restrictions of this Agreement. When you send a payment, until that payment is accepted by the recipient (which may occur instantly), you remain the owner of those funds and ePayWeb holds those funds as your agent, but you will not be able to withdraw those funds or send the funds to any other recipient unless the initial transaction is cancelled.
By receiving payments through the Service, you appoint ePayWeb as your agent to cause the funds to be deposited on your behalf in the Pooled Accounts until you further instruct ePayWeb with respect to the transmission of your funds. Through the ePayWeb website, you may provide instructions to withdraw the funds, or transfer the funds to a third party, in each case subject to the terms and restrictions of this Agreement. If you receive a notice that a payment has been sent to you through ePayWeb but you have not registered for the Service, ePayWeb will not become your agent and you will have no claim to those funds unless and until you register for the Service and indicate your acceptance of the payment.
2.2 ePayWeb is only a Payment Service Provider. ePayWeb acts as a payment service provider by creating, hosting, maintaining and providing our Service to you via the Internet. We do not have any control over the products or services that are paid for with our Service. We cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction.
2.3 Identity Authentication. We use many techniques to identify our users when they register on our site. Verification of Users is only an indication of increased likelihood that a User's identity is correct. You authorize ePayWeb, directly or through third parties, to make any inquiries we consider necessary to validate your registration. This may include ordering a credit report and performing other credit checks or verifying the information you provide against third party databases. However, because user verification on the Internet is difficult, ePayWeb cannot and does not guarantee any user's identity.
2.4 Release. In the event that you have a dispute with one or more users, you release ePayWeb (and our officers, directors, agents, subsidiaries, joint ventures and employees) from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code §1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if not known by him must have materially affected his settlement with the debtor."
2.5 No Warranty. WE, OUR PARENT, SUBSIDIARIES, EMPLOYEES AND OUR SUPPLIERS PROVIDE OUR SERVICES "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. WE, OUR PARENT, SUBSIDIARIES, EMPLOYEES AND OUR SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. ePayWeb shall make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards, and check issuances are processed in a timely manner and but we make no representations or warranties regarding the amount of time needed to complete processing because our Service is largely dependant upon many factors outside of our control, such as delays in the banking system or the U.S. or international mail service. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary from state to state.
The above clause is completely separate from ePayWeb's Money Back Guarantee Policy, which you may choose to purchase at the time of an eligible transaction, and which assigns to you certain privileges, as defined in the Money Back Guarantee Policy.
2.6 Limitation of Liability. IN NO EVENT SHALL WE, OUR PARENT, SUBSIDIARIES, EMPLOYEES OR OUR SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH OUR WEB SITE, OUR SERVICE, OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE). Some states do not allow the exclusion or limitation of incidental or consequential damages so the above limitation or exclusion may not apply to you.
OUR LIABILITY, AND THE LIABILITY OF OUR PARENT, SUBSIDIARIES, EMPLOYEES AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES.
2.7 Indemnification. You agree to indemnify and hold ePayWeb, its parent, subsidiaries, affiliates, officers, directors and employees harmless from any claim or demand (including attorneys' fees) made or incurred by any third party due to or arising out of your breach of this Agreement or the documents it incorporates by reference, or your violation of any law or the rights of a third party relating to your use of the Service.
2.8 Liability for Violations of the Acceptable Use Policy. If you engage in the following behavior, ePayWeb may fine you, as explained below.
i. Using the ePayWeb service to receive payments for any sexually oriented or obscene materials or services in violation of ePayWeb’s Mature Audiences Policy.
ii. Using the ePayWeb service to receive payments for any narcotics, other controlled substances, steroids or prescription drugs in violation of local law in both the locality where delivery takes place and where your offices are located.
iii. Using the ePayWeb service to receive payments for wagers, gambling debts or gambling winnings, regardless of the location or type of gambling activity.
You and ePayWeb agree that the damages that ePayWeb will sustain as a result of the behavior outlined above will be substantial, including (without limitation) fines and other related expenses from its payment processors and service providers, but may be extremely difficult and impracticable to ascertain. In the event that you engage in such activities, then ePayWeb may fine you $50,000.00 USD and/or ePayWeb may take legal action against you to recover losses that are in excess of the amount fined. You acknowledge and agree that $50,000.00 USD is presently a reasonable minimum estimate of ePayWeb’s damages, considering all currently existing circumstances, including (without limitation) the relationship of the sum to the range of harm to ePayWeb that reasonably could be anticipated and the anticipation that proof of actual damages may be impractical or extremely difficult. You agree that ePayWeb is entitled to deduct such fines directly from any existing balance in the offending account, or any other ePayWeb account you are associated with.
If you use the ePayWeb service in a manner that violates the Acceptable Use Policy, including but not limited to the three categories described above, your account will be subject to limitation or immediate termination.
You further understand that, if you use the ePayWeb service in a manner that violates the Acceptable Use Policy, including but not limited to the three categories described above, ePayWeb may incur substantial liability and/or suffer significant damages, including (without limitation) fines and other related expenses from its payment processors and service providers. By selling goods or services (including access to content) in contravention of the Acceptable Use Policy or the Restricted Activities section of this User Agreement (currently Section 7.2), you acknowledge liability to ePayWeb for any and all damages suffered by ePayWeb. Without limiting the foregoing, you agree to reimburse ePayWeb for any and all costs, expenses, and fines levied on ePayWeb by its payment processors and/or service providers as a result of your activities.
You agree that, if either you or ePayWeb commence litigation or arbitration in connection with this paragraph, the prevailing party is entitled to recover reasonable attorneys’ fees and any other costs incurred in such proceeding in addition to any other relief to which the prevailing party may be entitled.
3. Fees. All fees are provided to merchants upon approval for an account. All fees will be assessed in the currency of the payment. Additional information about ePayWeb's fees is available upon request.
Non-U.S. Users in some countries may not use the Service to receive payments, and may only use the Service to send payments. If you are an Non-U.S. User, you warrant that you are violating no law or regulation by your use of ePayWeb.
4. Allied Money Back Guarantee Policy applies to users and not merchants. Allied Chargeback Insurance is a new feature available to merchants.
5. Receiving Payments.
5.1 Credit Card Funded Payments. No accounts can receive credit card funded payments for free. Free transfers to other users are only permitted when the funding was done through a U.S. Checking account via ACH draft. Personal Accounts that receive credit card funded payments may accept the payment but will be assessed a 9%0 transaction fee or they will have to deny the payment. Personal Accounts may receive non-credit card funded payments for free. By accepting a credit card payment, you agree that you are responsible for the payment if it is reversed. If such reversal occurs on a credit card funded payment made to your account, we will reverse the payment and debit your ePayWeb account balance to pay for the reversal unless the transaction is covered by the Allied Wallet Chargeback Insurance Policy. If there are insufficient funds in your ePayWeb balance, you agree to reimburse ePayWeb through other means, as described in the Payments (Sending, Receiving, and Withdrawing) Policy.
5.2 Removal of Expired Cards. We will notify you of expired credit cards in your account and provide you the opportunity to update those cards before we remove them as a funding source in your account.
6. Sending Payments.
6.2 Refused Payments. When you send a payment to a third party through our Service, the recipient is not required to accept the payment, even if the recipient is already registered with ePayWeb. The recipient may return the payment or, in some cases, use the ePayWeb Service to deny payments that you send. Any payments sent through ePayWeb that are denied or unclaimed by a recipient will be returned to you on the earlier of: (a) the date of such denial, or (b) 30 days after the date the payment is sent. For more details and guidelines about Sending Payments, please refer to our Payments Policy.
6.3 Electronic Transfers. When you make a payment through ePayWeb that is funded with Instant Transfer or eCheck, and when you initiate an "Add Funds" transaction you are requesting an electronic transfer from your bank account. Upon such request, ePayWeb will make electronic transfers via the Automated Clearing House (ACH) system from your U.S. bank account in the amount you specify. You agree that such requests constitute your authorization for such transfers. ePayWeb will never make transfers from your bank account without your authorization.
6.4 Right of Merchant Recipients to Delay Payment Processing. When you authorize a payment to be sent to certain merchant users your payment instruction will be valid for a variable period of time. Your payment will not be treated as transferred to the merchant until the merchant user chooses to process the payment within the period your payment instruction is valid.
If at the time you authorize the payment you have sufficient balance to make the payment, we will, at this time, debit an amount equal to the payment from your balance and highlight the transaction as pending. You will not be able to access this amount even if the merchant has not yet completed the processing of this payment.
If you do not hold a sufficient amount in your balance at the time you authorize the payment, we will first debit your balance (if any) at the time you make the authorization. We will then perform an authorization for the remaining amount using the funding source which you specified at the time of the authorization as your selected funding source. The transaction will be highlighted as pending and you will not be able to access this amount even if the merchant has not yet completed the processing of this payment.
When the merchant completes processing the payment, we will obtain the funds by using the pending balance first, if available. We will subsequently obtain the remaining funds by debiting the funding source which you had specified at the time of authorization as your selected funding source.
If your ePayWeb balance is insufficient to fund the entire payment amount, then when the payment is processed, we will obtain the remaining funds (after use of your balance) by debiting the backup funding source you specified at the time of the authorization in accordance with the terms.
With your consent, the merchant may change your final purchase price if the total amount changes due to taxes, shipping charges, item availability, item additions, or other conditions that you agree upon with your merchant.
7. Your Information and Restricted Activities
7.1 Definition. "Your Information" is defined as any information you provide to us or other users in the registration, payment process, stores or other features of our Service. You are solely responsible for Your Information, as we act as a passive conduit for your online distribution and publication of Your Information.
7.2 Restricted Activities. Your Information and your activities (including your payments and receipt of payments) through our Service shall not: (a) be false, inaccurate or misleading; (b) be fraudulent or involve the sale of counterfeit or stolen items; (c) consist of providing yourself a cash advance from your credit card (or helping others to do so), (d) be related in any way to gambling and/or gaming activities, including but not limited to payment or the acceptance of payments for wagers, gambling debts or gambling winnings, regardless of the location or type of gambling activity (including online and offline casinos, sports wagering and office pools); (e)violate ePayWeb's Acceptable Use Policy; (f) infringe on any third party's copyright, patent, trademark, trade secret or other property rights or rights of publicity or privacy; (g) violate any law, statute, ordinance, contract or regulation (including, but not limited to, those governing financial services, consumer protection, unfair competition, antidiscrimination, or false advertising); (h) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (i) be obscene or contain child pornography; (j) contain any viruses, Trojan horses, worms, time bombs cancelbots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or other personal information; or (k) create liability for us or cause us to lose (in whole or in part) the services of our ISP's or other suppliers. If you use, or attempt to use the Service for purposes other than sending and receiving payments and managing your account, including but not limited to tampering, hacking, modifying or otherwise corrupting the security or functionality of Service, your account will be terminated and you will be subject to damages and other penalties, including criminal prosecution where available.
7.4 Trademarks. ePayWeb.com, ePayWeb, and all related logos, products and services described in this website are either trademarks or registered trademarks of ePayWeb, Inc., or its licensors, and (aside from the circumstances described below) may not be copied, imitated or used, in whole or in part, without the prior written permission of ePayWeb. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of ePayWeb and may not be copied, imitated, or used, in whole or in part, without the prior written permission of ePayWeb.
Notwithstanding the above, HTML logos provided by ePayWeb through its Affiliate Program may be used without prior written consent for the purpose of directing web traffic to the Service. These Logos may not be altered, modified, or changed in any way, or used in a manner that is disparaging to ePayWeb or the Service. Logos may not be displayed in any manner that implies sponsorship or endorsement by ePayWeb. ePayWeb is a payment service, and no partnership, joint venture, employee-employer or franchiser-franchisee relationship is intended or created by this Agreement.
8. Access and Interference. Our web site contains robot exclusion headers and you agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to bypass our robot exclusion headers, or to interfere or attempt to interfere with the proper working of the ePayWeb site or any activities conducted on our site. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure. Much of the information on our site is proprietary or is licensed to ePayWeb by our users or third parties. You agree that you will not copy, reproduce, alter, modify, create derivative works, publicly display or frame any content (except for Your Information) from our web site without the prior expressed written permission of ePayWeb or the appropriate third party. If you use, or attempt to use the Service for purposes other than sending and receiving payments and managing your account, including but not limited to tampering, hacking, modifying or otherwise corrupting the security or functionality of Service, your account will be terminated and you will be subject to damages and other penalties, including criminal prosecution where available.
10. Termination or Closing Your Account. You may close your account at any time by clicking the Close Account link in your Profile on the ePayWeb website. Upon closure of an account, any pending transactions will be cancelled. Any funds that we are holding in custody for you at the time of closure, less any applicable fees, will be paid to you by check, assuming all withdrawal related authentication requirements have been fulfilled (for example, you may not use closure of your account as a means of evading withdrawal limits on new Unverified users). You may not use closure of your account as a means of evading investigation - if an investigation is pending at the time you close your account, ePayWeb may continue to hold your funds for up to 180 days as appropriate to protect ePayWeb against the risk of reversals. If you are later determined to be entitled to some or all of the funds in dispute, ePayWeb will release those funds to you. You will remain liable for all obligations related to your account even after such account is closed. If you do not access your account for a period of three years, it will be terminated. After the date of termination, we will use the information you provided to try to send you any funds that we are holding in custody for you. If that information is not correct, and we are unable to complete the payment to you, your funds will be subject to applicable state laws regarding escheat of unclaimed property.
11. Remedies and ePayWeb's Right to Collect From You. Without limiting other remedies, we may update inaccurate or incorrect information you provide to us, contact you by means other than electronically, immediately warn our community of your actions, place a hold on funds in your account, limit funding sources and payments, limit access to an account and any or all of the account's functions (including but not limited to the ability to send money or making withdrawals from an the account), limit withdrawals, indefinitely suspend or close your account and refuse to provide our Services to you if: (a) you breach this Agreement or the documents it incorporates by reference; (b) we are unable to verify or authenticate any information you provide to us; (c) we believe that your account or activities pose a significant credit or fraud risk to us; (d) we believe that your actions may cause financial loss or legal liability for you, our users or us; or (e) your use of your ePayWeb account is deemed by ePayWeb, Visa, MasterCard, American Express or Discover to constitute abuse of the credit card system or a violation of credit card rules, including (without limitation), using the ePayWeb system to test credit card behaviors. Even if they have been recorded as completed in the Recent Activity or History Transaction Log of your ePayWeb account, transactions are not considered completed until the funds have been charged to the customer's funding source (for payments) or posted to the customer's bank account (for withdrawals). In addition, ePayWeb reserves the right to hold funds beyond the normal distribution periods for transactions it deems suspicious or for accounts conducting high transaction volumes to ensure integrity of the funds. If we close your account, we will provide you notice and pay you all of the unrestricted funds held in your ePayWeb account. Additionally, to secure your performance of this Agreement, you grant to ePayWeb a lien on and security interest in your account. In addition, you acknowledge that ePayWeb may setoff against any ePayWeb accounts you own for any negative balance in your other ePayWeb accounts, at any time and for any reason allowed by law. These obligations include both secured and unsecured debts, and debts you owe individually or together with someone else.
12. Assignability. You may not transfer any rights or obligations you may have under this Agreement without the prior written consent of ePayWeb. ePayWeb reserves the right to transfer this Agreement or any right or obligation under this Agreement without your consent.
13. Legal Compliance. You shall comply with all applicable U.S. and international laws, statutes, ordinances, regulations, contracts and applicable licenses regarding your use of our Services.
14.1 Electronic Communications. You agree that this Agreement constitutes "a writing signed by You" under any applicable law or regulation. To the fullest extent permitted by applicable law, this Agreement and any other agreements, notices or other communications regarding your account and/or your use of the Service ("Communications"), may be provided to you electronically and you agree to receive all Communications from ePayWeb in electronic form. Electronic Communications may be posted on the pages within the ePayWeb website and/or delivered to your e-mail address. You may print a copy of any Communications and retain it for your records. All Communications in either electronic or paper format will be considered to be in "writing," and to have been received no later than five (5) business days after posting or dissemination, whether or not you have received or retrieved the Communication. ePayWeb reserves the right but assumes no obligation to provide Communications in paper format.
14.2 Credit Report. You agree that ePayWeb may order and review your credit report with the sole purpose of assessing your fitness to hold a ePayWeb account and/or your ability to use the Service or features thereof.
14.3 Procedure. Except as explicitly stated otherwise, any notices shall be given by postal mail to ePayWeb Inc., Attn: Legal Department, 95 Wilton Road, Suite 3, London, UK, SW1V 1BZ (in the case of ePayWeb) or to our online message center or the email address you provide to ePayWeb during the registration process (in your case). Notice shall be deemed given 24 hours after posted or email is sent, unless the sending party is aware that the electronic communication was not received. Alternatively, we may give you notice by mail to the address provided to ePayWeb during the registration process. In such case, notice shall be deemed given 3 days after the date of mailing.
15. Legal Disputes. In the event a dispute arises between you and ePayWeb, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly. Accordingly, you and ePayWeb agree that any controversy or claim at law or equity that arises out of this Agreement or ePayWeb's services ("Claims") shall be resolved in accordance with one of the subsections below, or as otherwise mutually agreed upon in writing by the parties. Before resorting to these alternatives, ePayWeb strongly encourages users first to contact ePayWeb directly to seek a resolution. ePayWeb will consider reasonable requests to resolve the dispute through alternative dispute resolution procedures, such as mediation, as an alternative to litigation.
15.1 Arbitration. For any Claim (excluding Claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, you or ePayWeb may elect to resolve the dispute through binding arbitration conducted by telephone, on-line, and/or based solely upon written submissions where no in-person appearance is required. In such cases, the arbitration shall be administered by the American Arbitration Association or JAMS, in accordance with their applicable rules, or any other established ADR provider mutually agreed upon by the parties. Any judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.
15.2 Court. Alternatively, any Claim may be adjudicated by a court of competent jurisdiction located in the UK, or where the defendant is located (in ePayWeb's case, London, UK, and in your case, your home address or principal place of business). You and ePayWeb agree to submit to the personal jurisdiction of the courts located within the UK.
15.3 Alternative Dispute Resolution. ePayWeb will consider use of other alternative forms of dispute resolution, such as binding arbitration to be held in London, UK or another location mutually agreed upon by the parties.
15.4 Violations of Section 15. All Claims (excluding requests for injunctive or equitable relief) between the parties must be resolved using the dispute resolution mechanism that is selected in accordance with this Section by the party first to assert a Claim, either through a court filing or commencement of arbitration. Should either party file an action contrary to this Section 15, the other party may recover attorneys' fees and costs up to $1,000.00 USD, provided that the party seeking the award has notified the other party in writing of the improperly filed Claim, and the other party has failed to withdraw the Claim.
16. General. This Agreement is governed by and interpreted under the laws of the Uk as such laws are applied to agreements entered into and to be performed entirely within the UK by UK residents. Notwithstanding the foregoing sentence, the Federal Arbitration Act ("FAA"), and all of its rules and procedures, shall govern Section 16 hereof, to the extent that the FAA is inconsistent with UK law. We do not guarantee continuous, uninterrupted or secure access to our service, and operation of our site may be interfered with by numerous factors outside of our control. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. You agree that this Agreement and all incorporated agreements may be automatically assigned by ePayWeb, in our sole discretion, to a third party in the event of a merger or acquisition. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. This Agreement and the documents it incorporates set forth the entire understanding between us with respect to the subject matter hereof. All Sections shall survive any termination or expiration of this Agreement.
17. Disputes between you and ePayWeb regarding our Services may be reported to Customer Support online through the ePayWeb Contact link at any time, or by calling +1 866 733 2047.