Mega Millions $365,000,000 Play From Home On Line Win From Home On Line
C-Store News: Mega Millions $365,000,000 Play From Home On Line Win From Home On Line
Mega Millions $365,000,000 Play From Home On Line Win From Home On Line
Illinois Lottery & Meta Bank Terms and Conditions
Effective as of March 25, 2012
Please read these terms and conditions carefully before using this Website.
Thank you for visiting the Illinois Lottery’s Website, which includes www.illinoislottery.com and www.myillinoislottery.com (collectively, this “Website”). The purchase of Internet Tickets on this Website is strictly limited to persons who are at least 18 years old, located within the geographical boundaries of the State of Illinois, and whose personal information has been successfully verified through the Know Your Customer (“KYC”) process. As an authorized, registered player, you may access your Player Account from outside the State of Illinois. However, you must be located within the geographical boundaries of the State of Illinois to purchase Internet Tickets or Players Subscriptions.
Upon successfully completing the KYC verification process, you will be able to utilize this Website to purchase Illinois Lottery game tickets for Lotto, MegaMillions® and any other internet games (“Internet Tickets”) authorized by Illinois law; sign-up for and purchase subscription plans (“Players Subscription”); log into your Illinois Lotteryaccount (“Player Account”); view transactional history, account balance, winning Illinois Lottery numbers, or otherwise manage your Player Account; access information regarding the prepaid debit card option for receiving your internet Lottery winning (“Player Card”); and access other information related to the Illinois Lottery. You will be allowed to purchase up to $3500 of Internet Tickets or Players Subscriptions per year on each credit card used to fund your Player Account. The Illinois Lottery uses geo-filtering software to verify your location when accessing this Website. If the Illinois Lottery is unable to verify your location, you will not be able to purchase Internet Tickets or Player Subscriptions. Access to, and use of your Player Account is strictly limited to you as the registered and authorized user of your Player Account. Accordingly, you should not share your username and password with anyone. Prior to logging into the Website, you must check a box certifying that you (1.) are the registered and authorized user of your Player Account, (2.) are at least 18 years old, and (3.) are completing a purchase from a location within the geographical boundaries of the State of Illinois. Failure to comply with any of these requirements will result in forfeiture of all winnings.
The Illinois Lottery reserves the right to terminate, suspend or cancel any Player Accounts for suspected fraud of any type, any attempt to purchase Internet Tickets and/or Player Subscriptions from a location that is not within the geographic boundaries of Illinois, the purchase or attempted purchase of Internet Tickets and/or Players Subscriptions by persons under the age of 18 years old, and for violations of any applicable rules, regulations, state or federal laws.
In the event a purchase is determined to have been placed by an individual under the age of 18, by someone other than the registered owner of the Player Account, from a location outside the State of Illinois, or through any fraudulent or unlawful means, the prize will be forfeited, the funds deposited into the Common School Fund, and the Player Account may be canceled.
The Illinois Lottery encourages parents to ensure that children under the age of 18 do not have access to Personally Identifiable Information (“PII”) that may be used to set up a Player Account and/or purchase Internet Tickets on this Website.
For purposes of these Terms and Conditions, “you” and “your” means each person, group of individuals, entity or entities who visits this Website for any purpose.
For purposes of these Terms and Conditions, “personal information” means information about a natural person that is readily identifiable to that specific individual. Personal Information includes, among other information, an individual’s name, address, telephone number, date of birth, social security number, password information, and any other information used to identify you on this Website. A domain name or Internet protocol address is not considered Personal Information.
For purposes of these Terms and Conditions, the “Illinois Lottery” means the Illinois Lottery, including its agents, contractors, and any parties involved in creating, producing, or delivering this Website, including, but not limited to, Northstar Lottery Group, LLC and GTECH Corporation and each of their respective successors and assigns.
The following terms and conditions (“Terms and Conditions”) govern your use of this Website. These Terms and Conditions are a binding legal agreement between you and the Illinois Lottery. By visiting this Website, you agree to be bound by these Terms and Conditions.
The Illinois Lottery may change these Terms and Conditions at any time without notice to you by posting changes on this Website. The Illinois Lottery encourages you to review these Terms and Conditions from time to time. Your continued use of this Website following the posting of any changes will mean that you accept the revised Terms and Conditions.
If you do not agree with these Terms and Conditions, you should immediately stop using this Website.
If you browse through this Website and review information such as game rules or winning numbers, then only Sections I through XII of these Terms and Conditions apply to you. If you sign up for, or access a Player Account (which is required to purchase Internet Tickets via the internet and sign up for a Player Subscription), then Section XIII also applies to you.
You agree to access and use this Website only for lawful reasons. You are responsible for knowing and complying with any and all laws, statutes, rules and regulations pertaining to your use of this Website. You are prohibited from using this Website in a way that:
· is threatening, violent, abusive, hateful, defamatory, slanderous, libelous, deceptive, fraudulent, tortious, indecent, vulgar, profane, obscene, or that the Illinois Lottery deems in its sole discretion to be inappropriate for this Website;
· violates any law, regulation, or court order;
· accesses, collects or stores personal information about others;
· violates or infringes upon the rights of anyone else, including, for example, another person’s right to privacy;
· impersonates any person, business, entity, or IP address (e.g., IP spoofing);
· involves uploading, posting, emailing, transmitting or otherwise making available any materials that you do not have a right to make available under any law;
· is commercial in nature, including, for example, advertising, promotional or marketing materials, or spam, phishing or other unsolicited messages;
· gains or tries to gain unauthorized access to this Website, its computers and networks, or its user data, or that otherwise modifies or interferes with the use or operation of this Website;
· imposes an unreasonable or disproportionately large load on the Illinois Lottery’s infrastructure, including but not limited to transmitting spam or using other unsolicited mass emailing techniques;
· alters, damages, or deletes any content posted on this Website;
· contains or introduces computer viruses or other disruptive, damaging or harmful files or programs; or
The Illinois Lottery will fully cooperate with law enforcement officials and/or agencies if requested or required to facilitate the investigation of any violation of these Terms and Conditions and may disclose your information to such law enforcement officials and/or agencies if required by law.
III. PLAYER ACCOUNT, INTERNET TICKETS, PLAYER SUBSCRIPTIONS AND PLAYER CARDS
A. Player Account
Upon successfully completing the KYC verification process, you may register for a Player Account to purchase Internet Tickets and Players Subscriptions. You will be required to choose a unique login username and password when you sign up for a Player Account. You are responsible for keeping your Player Account login username and password information secret and confidential. Individuals who are listed on the Illinois Lottery’s Voluntary Self Exclusion Program database are allowed to set up a Player Account but will not able to purchase Internet Tickets or Players Subscriptions. Additional information regarding Player Accounts is available at www.illinoislottery.com.
The official record of all purchases and winning numbers will be maintained by the Illinois Lottery. All validated winnings over $600 will be evaluated by the Office of the State Comptroller in accordance with Section 10.05 of the State Comptroller Act (15 ILCS 405) to determine if they are subject to any applicable offset(s).
B. Internet Tickets
As the registered and authorized user of your Player Account, you will be able to utilize this Website to purchase single-play Illinois Lottery game tickets for Lotto, MegaMillions® and any other internet games authorized by Illinois law. By purchasing an Internet Ticket, you authorize the Illinois Lottery to deduct the purchase price of the Internet Ticket from your Player Account.
Internet Tickets may be purchased using this Website up until the draw close time on the respective days when each game is drawn. The cutoff time for purchases for Lotto is 9:15PM Central Standard Time (“CST”) and 9:45PM (CST) for MegaMillions®. Additional information regarding Internet Tickets is available atwww.illinoislottery.com
C. Players Subscriptions
Upon successful registration of your Player Account, you may sign-up to be automatically entered to play Illinois Lottery internet games every week for a pre-selected, specific period of time. By purchasing a Players Subscription, you authorize the Illinois Lottery to deduct the purchase price of the Players Subscription from your Player Account. Additional information regarding Players Subscriptions is available at www.illinoislottery.com
D. Player Card
As part of your Player Account, you may receive a Player Card to use as an option for receiving your internet Lottery winnings. You are not required to utilize the Player Card to play internet Lottery games or receive winnings. Additional information regarding the Player Card is available at: https://www.myillinoislottery.com/en-us/footer/help.html.
This Website may contain links to third party websites. These links are provided solely as a convenience to you. If you click on any of these links, you will leave this Website. The Illinois Lottery does not control, and is not responsible for, any third party websites or their content. Therefore, the Illinois Lottery does not endorse or make any representations about third party websites, or any information, products, or materials found there. If you access any of the third party websites linked to this Website, you do so entirely at your own risk.
While the Illinois Lottery does not claim ownership of any comments or suggestions that you may submit to the Illinois Lottery, by submitting a comment or suggestion or any other material to this Website, such as through the “Contact Us” section, you hereby authorize and grant the Illinois Lottery the non-exclusive right and license to use, display, reproduce, modify and distribute the comment, suggestion or material in whole or in part, anywhere in perpetuity in any and all media outlets, whether alone or together, or as part of any material of any kind or nature. Without limiting any of the foregoing, the Illinois Lottery will have the non-exclusive right and license to use, copy, display, perform, distribute, modify and re-format the comment, suggestion or material in any manner that the Illinois Lottery may determine. You waive any claims to compensation for any such right or license. By submitting a comment, suggestion or material, you represent and warrant to the Illinois Lottery that you have all necessary rights in and to all comments, suggestions or materials you provide and all information they contain, and that such comments, suggestions or materials do not infringe upon any proprietary or other rights of third parties or contain any libelous, tortious, or otherwise unlawful information.
The Illinois Lottery and its agents, contractors, and any parties involved in creating, producing, or delivering this Website (including Northstar Lottery Group, LLC and GTECH Corporation) (collectively, the “Contractors”), and licensors (and each of their respective successors and assigns) own the copyrights, trademarks, service marks, and trade dress rights to all materials and content displayed on and from this Website (collectively referred to as “Intellectual Property”). You may not reproduce, modify, create derivative works from, display, frame, perform, publish, distribute, disseminate, transmit, broadcast or circulate any such materials or content to any third party (including displaying or distributing the Intellectual Property using a third party website) without the prior written consent of the Illinois Lottery or its Contractors, or licensors, as applicable, except to use this Website for its intended purpose. The Illinois Lottery retains all rights that are not otherwise expressly granted in these Terms and Conditions.
A. Disclaimer of Liability
The Illinois Lottery is not liable for any direct, indirect, incidental, consequential, or punitive damages (including, without limitation, those resulting from lost profits, lost data, or business interruption) arising out of your access to, use of, or inability to use, this Website or any material from this Website, including but not limited to damages caused by any failure of performance, interruption (including those disruptions described in Section X below), error, omission, deletion, defect, delay in operation or transmission, computer virus, security, communication line failure, theft, destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence or under any other cause of action. Without limiting the foregoing, this Website and the material provided on this Website are provided “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. ANY CLAIMS FOR DAMAGES WILL BE LIMITED TO THE PRICE OF EACH INTERNET TICKET PURCHASED VIA THIS WEBSITE OR THE VALUE OF A SINGLE TICKET PLAYED AS PART OF A PLAYERS SUBSCRIPTION PURCHASED VIA THIS WEBSITE.
B. Disclaimer of Accuracy of Data
The Illinois Lottery makes no warranties or representations as to the accuracy, completeness or timeliness of the materials, or content provided on this Website and assumes no liability or responsibility for any errors or omissions on this Website. No warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any materials or content. This disclaimer applies to both isolated and aggregate uses of the materials or content. If you find any errors or omissions, we encourage you to report them to firstname.lastname@example.org.
The Illinois Lottery makes every effort possible to make sure that winning number information posted on this Website is accurate and available within a reasonable amount of time after winning numbers are drawn. However, in the event of an error, the winning numbers and prize amount information in the official records of the Illinois Lottery will stand as the final determination.
C. Disclaimer of Endorsement
The Illinois Lottery may from time to time distribute content supplied by third parties. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, users, or others, are those of the respective author(s) or distributor(s) and do not necessarily state or reflect the opinion of the Illinois Lottery and shall not be used for advertising or product endorsement purposes. Reference herein to any specific commercial products, process, or service by trade name, trademark, manufacturer, or otherwise, does not constitute or imply its endorsement, recommendation, or favoring by the Illinois Lottery.
Any dispute arising out of your use of this Website or material or content from this Website shall be resolved according to the laws of the State of Illinois, United States of America. The federal and state courts of the State of Illinois shall have exclusive jurisdiction over all claims.
Information contained on this Website is for convenience and informational purposes only. The lottery games offered by the Illinois Lottery are sold only within the State of Illinois. Any access to this Website from outside of the State of Illinois to purchase Internet Tickets or Players Subscriptions is strictly prohibited. You may sign up for or log in to a Player Account from any location within or outside Illinois. However, in order to purchase Internet Tickets or Players Subscriptions via the internet, you must access this Website from a location within the geographical boundaries of the State of Illinois. If the Illinois Lottery is unable to verify your location, or verify that your location is within the geographical boundaries of Illinois, you will prohibited from making any purchases using this Website.
BY USING THIS WEBSITE, YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OF AGE. PERSONS YOUNGER THAN THIS AGE ARE STRICTLY PROHIBITED FROM USING THIS WEBSITE. IN ADDITION, TO OBTAIN A PLAYER ACCOUNT, YOU MUST PROVIDE A CURRENT VALID ILLINOIS ADDRESS WHEN YOU REGISTER. IF YOU ARE NOT AT LEAST 18 YEARS OF AGE WITH A CURRENT, VALID ILLINOIS ADDRESS, DO NOT REGISTER FOR A PLAYER ACCOUNT.
Due to the design of the Internet, the Illinois Lottery cannot guarantee that communications between you and the Illinois Lottery will be free from unauthorized access by third parties or will be secure. By agreeing to these Terms and Conditions, you expressly agree that your use of this Website is at your sole risk, and you agree that the Illinois Lottery shall not be liable if a security breach occurs, or if this Website malfunctions, except as required by law.
XII. POTENTIAL DISRUPTION OF SERVICE
Access to this Website may from time to time be unavailable, delayed, limited or slowed due to, but not limited to, the following reasons:
The Illinois Lottery reserves the right to terminate your access to this Website at any time and for any reason, including for violation of these Terms and Conditions. In the event of termination, you will no longer be authorized to access this Website (including your Player Account), use your Player Card if applicable, purchase Internet Tickets, or participate in the Players Subscriptions. You shall have no recourse and the Illinois Lottery shall have no liability as a result of any such termination. All provisions of these Terms and Conditions relating to warranties, confidentiality obligations, proprietary rights, and limitation of liability shall remain effective despite such termination. If your access is terminated and you believe you have remaining funds in your Player Account or remaining plays in your Players Subscription, you may submit a claim to: Illinois Lottery, P.O. Box 19081, Springfield, IL 62794-9081.
In the event a wager is determined to have been placed by an individual under the age of 18, by someone other than the registered owner of the Player Account, from a location outside the State of Illinois or through any fraudulent and unlawful means, the prize will be forfeited, the funds deposited to the Common School Fund, and the Player Account may be canceled.
A. About Player Accounts, Player Cards and MetaBank
You must sign-up for a Player Account in order to purchase Internet Tickets, Players Subscriptions, or accessinformation about your Player Card, if applicable. By signing up for a Player Account, you are also automatically signing up for an account with MetaBank, which is the financial institution which issues the Player Card, and a non-affiliated business partner of the Northstar Lottery Group, LLC. You will be notified if your application for a Player Account and MetaBank account is denied. If you are listed on the Illinois Lottery’s Voluntary Self Exclusion Program database, you will be allowed to set up a Player Account but will not able to purchase Internet Tickets or Players Subscriptions. Before you sign up for a Player Account, you should review the terms and conditions of MetaBank. The information you provide when you sign up for the Player Account will be provided to MetaBank and used by MetaBank to open your MetaBank account.
As part of your Player Account, you may receive a Player Card to use as an option for receiving your internet Lottery winnings. You are not required to utilize the Player Card to play internet games or receive winnings.
B. Player Account Information
You are responsible for keeping your Player Account login username and password secret and confidential. If you fail to do so, you are responsible for any charges, costs, expenses, damages, liabilities and losses that you, the Illinois Lottery and/or MetaBank may incur as a result. Immediately notify the Illinois Lottery by calling (800) 252-1775 if your Player Card is lost or stolen, discover fraudulent or unauthorized purchases, funds transfers or suspect that someone else is using your Player Account login or password without your permission. Providing prompt notice to the Illinois Lottery will limit your liability for such fraudulent or unauthorized transactions. Please reference your Player Card Holder Agreement (“Agreement”) for information on how to report lost or stolen cards, unauthorized purchases or funds transfers. Click on the following link to obtain additional information about unauthorized purchases. https://www.myillinoislottery.com/en-us/footer/termsAndConditions.html
You certify that any information provided to the Illinois Lottery in the registration form is complete and accurate. The Illinois Lottery, in its sole discretion, reserves the right to require you to change your Player Account login username and/or password if the Illinois Lottery deems that your login information is offensive, inappropriate or otherwise unacceptable.
C. E-mail Practices
By creating a Player Account, you acknowledge and agree that Northstar Lottery Group, LLC, and GTECH Corporation (on behalf of the Illinois Lottery) may send you e-mail containing information about Illinois Lottery products such as games and promotions.
Any questions regarding these Terms and Conditions should be directed to email@example.com or (800) 252-1775.
Illinois Lottery Visa® Prepaid Card
IMPORTANT – PLEASE READ CAREFULLY
This document constitutes the agreement (“Agreement”) outlining the terms and conditions under which the Illinois Lottery Subscription Visa Prepaid Card has been issued to you. By accepting and using this Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement, “Card” means the Illinois Lottery Subscription Visa Prepaid Card issued to you by MetaBank. “You” and “your” means the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. “We,” “us,” and “our” mean MetaBank, our successors, affiliates or assignees. The Card will remain the property of MetaBank and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.
The Card is a prepaid card. The Card allows you to access funds loaded or deposited to your Card account by you or on your behalf. Your Card account does not constitute a checking or savings account and is not connected in any way to any other account you may have. The Card is not a gift card, nor is it intended to be used for gifting purposes. The Card is not a credit card. You will not receive any interest on the funds in your Card account. The funds in your Card account will be FDIC insured provided your Card is registered. Your funds will never expire, regardless of the expiration date on the front of your Card. In order for the Card to accept reloads, the USA PATRIOT ACT, a federal law, requires all financial institutions to obtain, verify, and record information that identifies each person who has a Card that accepts reloads that are consumer initiated. We will ask you for your name, address, date of birth, social security number and other information that will allow us to reasonably identify you. We may also ask to see your driver’s license or other identifying documents. Upon successful identification verification, you may load and reload funds to your Card via the methods detailed within this Agreement.
Federal Payments: THE ONLY FEDERAL PAYMENTS THAT MAY BE DEPOSITED TO THIS CARD ARE FEDERAL PAYMENTS FOR THE BENEFIT OF THE PRIMARY CARDHOLDER. If you have questions about this requirement, please call 1-800-252-1775.
Personal Identification Number (“PIN”): We may at our option, give you a PIN. If we give you a PIN, you may use your Card (i) to obtain cash from any Automated Teller Machine (“ATM”) or (ii) at any point-of-sale (“POS”) device which requires entry of a PIN, that bears the Visa® or Interlink® brand. All ATM transactions are treated as cash withdrawal transactions. You should not write or keep your PIN with your Card. If you believe that anyone has gained access to your PIN, you should advise us immediately, following the procedures in the paragraph labeled “Your Liability for Unauthorized Transfers.”
Loading Your Card: You may add funds to your Card account, called “value loading,” at any time after successful registration The amount of each value load must be between $1 and $2,500. You can add funds to your card up to 2 times per day, 4 times per week and up to 10 times per month. The maximum value load you may place on your Card when aggregated with any other Cards you have authorized is restricted to $2,500 in a 24 hour time period. You agree to present the Card and meet identification requirements to complete load transactions as may be required from time to time.
Card Account Access:
You may use your Card to:
Withdraw cash from your Card account
Make deposits to your Card account
Purchase or lease goods or services wherever your Card is honored as long as you do not exceed the value available in your Card account
Pay bills directly [by telephone] from your Card account in the amounts and on the days you request. Some of these services may not be available at all terminals.
Your Card cannot be redeemed for cash. You may use your Card to access cash at an ATM. Deposits to your Card account are not permitted at our ATM terminals. You may not use your Card (i) for any illegal transactions, (ii) at casinos, and (iii) in connection with any gambling activity; provided that such limitation shall not apply to the use of the Card to purchase lottery tickets, via subscription or otherwise, provided that such purchase is otherwise in accordance with applicable law.
Limitations on frequency of transfers: For security reasons, we may limit the amount or number of transactions you can make with your Card.
You may make 2 ATM withdrawals within a 24 hour period with a total maximum withdrawal of $1,000 subject to the available funds on the card. You may make up to 10 purchases at a Point of Sale within a 24 hour period, subject to the available balance on the card.
You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. If you do not have enough funds available in your Card account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.
If you use your Card number without presenting your Card (such as for a mail order or telephone purchase), the legal effect will be the same as if you used the Card itself. Each time you use your Card, you authorize us to reduce the funds available in your Card account by the amount of the transaction. You are not allowed to exceed the available amount in your Card account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available in your Card account, you shall remain fully liable to us for the amount of the transaction. We reserve the right to bill you for any negative balance. You agree to pay us promptly for the negative balance. We also reserve the right to cancel this Card and close your Card account should you create one or more negative balances with your Card.
You do not have the right to stop payment on any purchase transaction originated by the use of your card, except as authorized provided herein. If you authorize a transaction and then fail to make a purchase of the item as planned, the approval may result in a hold for that amount of funds for up to 30 days.
Preauthorized credits: If you have arranged to have direct deposits made to your Card account at least once every 60 days from the same person or company, you can call us at 1-800-252-1775 to find out whether or not the deposit has been made.
Right to stop payment and procedure for doing so: If you have told us in advance to make regular payments out of your Card account, you can stop any of these payments. Here’s how: Call us at 1-800-252-1775 in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Notice of varying amounts: If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set).
Liability for failure to stop payment of preauthorized transfer: If you order us to stop one of these payments 3 business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.
For purposes of these disclosures, our business days are any day including Saturdays, Sundays and holidays.
If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card account for such refunds. The amounts credited to your Card account for refunds may not be available for up to five (5) days from the date the refund transaction occurs.
ATM Withdrawal Domestic
$2.00 per withdrawal
ATM Withdrawal International
$2.50 per withdrawal
Live Operator Customer Service
Online or IVR Balance Inquiry
2.5% of the transaction
$5.00 per replacement
Overnight Delivery for Card Replacement
$20.00 per request
ATM Fees: When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
International Transaction Fee:
If you obtain your funds (or make a purchase) in a currency or country other than the currency or country in which your Card was issued, the amount deducted from your funds will be converted by Visa U.S.A. Inc. into an amount in the currency of your Card. Visa U.S.A. Inc. will establish a currency conversion rate for this convenience using a rate selected by Visa U.S.A. Inc. from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate Visa U.S.A. Inc. itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. This percentage amount is independent of any amount taken by the issuer in accordance with the following section of these Terms & Conditions.
If you obtain your funds in a currency or country other than the currency or country in which your Card was issued, the issuer may increase the currency conversion rate (described in the immediately preceding section) up to an additional 2.5% and will retain this amount as compensation for its services. This charge is independent of the currency conversion rate established by Visa U.S.A. Inc.
You should get a receipt at the time you make a transaction or obtain cash using your Card. You agree to retain your receipt to verify your transactions.
You may obtain information about the amount of money you have remaining in your Card account by calling 1-800-252-1775. This information, along with a 60-day history of account transactions, is also available on-line at www.illinoislottery.com. You also have the right to obtain a sixty (60) day written history of account transactions by calling 1-800-252-1775.
We may disclose information to third parties about your Card account or the transactions you make:
Where it is necessary for completing transactions;
In order to verify the existence and condition of your Card account for a third party, such as merchant;
In order to comply with government agency or court orders, or other legal reporting requirements;
If you give us your written permission; or
To our employees, auditors, affiliates, service providers, or attorneys as needed.
If we do not complete a transaction to or from your Card account on time or in the correct amount according to our Agreement with you, we will be liable for your losses and damages proximately caused by us. However, there are some exceptions. We will not be liable, for instance:
If, through no fault of ours, you do not have enough funds available in your Card account to complete the transaction;
If a merchant refuses to accept your Card;
If an ATM where you are making a cash withdrawal does not have enough cash;
If an electronic terminal where you are making a transaction does not operate properly and you knew about the problem when you initiated the transaction;
If access to your Card has been blocked after you reported your Card or PIN lost or stolen;
If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
If we have reason to believe the requested transaction is unauthorized;
If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;
(i) Any other exception stated in our Agreement with you.
If you believe your Card or PIN has been lost or stolen, call: 1-800-252-1775. You should also call the number if you believe a transfer has been made using the information from your Card or PIN without your permission.
Your Liability for Unauthorized Visa Prepaid Card Transactions. Tell us, AT ONCE, if you believe your Visa Card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized transactions that take place on the Visa system is zero dollars ($0). We may require you to provide a written statement regarding claims of unauthorized transactions. These provisions limiting your liability do not apply to ATM, POS, PINless, or any other debit transactions not processed by Visa. In addition to this paragraph, we may also be responsible to you for unauthorized transactions (see “Your Liability for Unauthorized Transfers” paragraph below).
Your Liability for Unauthorized Transfers: Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning toll-free at 1-800-252-1775 is the best way of keeping your possible losses down. You could lose all the money in your Card account. If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your electronic history shows transfers that you did not make, including those made by your Card or other means, tell us at once. If you do not tell us within 60 days of the earlier of the date you electronically access your account, if the unauthorized transfer could be viewed in your electronic history, or the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period.
Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of South Dakota except to the extent governed by federal law.
We may amend or change the terms of this Agreement at any time without prior notice to you except as required by applicable law. We may cancel or suspend your Card or this Agreement at any time without prior notice to you except as required by applicable law. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. Should your Card account be closed, we will issue you a credit for any unpaid balances, subject to fees as disclosed in this Agreement.
In case of errors or questions about your Card telephone us at 1-800-252-1775 as soon as possible, if you think an error has occurred in your Card account. We must hear from you no later than 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by contacting us at the number or address above. You will need to tell us the following:
Your Card number
Why you believe there is an error
The dollar amount involved
Approximately when the error took place
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. Funds will remain contingent on whether we determine if an error occurred. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation. If you have any further questions regarding our error resolution procedures, please contact us by calling 1-800-252-1775.
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. Information We Collect (“Cardholder Information”) is as follows:
(a) Information about purchases made with the Card, such as date of purchase, amount and place of purchase.
(b) Information you provide to us when you apply for a Card, or for replacement Cards or when you contact us with customer service issues, such as name, address, phone number. However, only those persons who need it to perform their job responsibilities are authorized to have access to Cardholder Information. In addition, we maintain physical, electronic and procedural security measures that comply with federal regulations to safeguard Cardholder Information.
When you are no longer our customer, we continue to share or not share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business. We may use Cardholder Information to provide customer services, to process claims for lost or stolen Cards or PINs, to develop marketing programs, to help protect against fraud and to conduct research and analysis. In addition, it is often necessary for us to disclose Cardholder Information for the same purposes to companies that work with us. For example, we may provide certain Cardholder Information to companies that perform business operations or services, including marketing services, on our behalf. We may also provide certain Cardholder Information to others as permitted by law, such as government entities or other third parties in response to subpoenas.
In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons MetaBank chooses to share; and whether you can limit this.
Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Reasons we can share your personal information
Does MetaBank share?
Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes – to offer our products and services to you
For joint marketing with other financial companies
We do not share
For our affiliates’ everyday business purposes – information about your creditworthiness
We do not share
For our affiliates to market to you
We do not share
For our nonaffiliates to market to you
We do not share
Questions? Call 1-800-252-1775 or go to www.illinoislottery.com
How does MetaBank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does MetaBank collect my personal information?
We collect your personal information, for example, when you open an account or use your Card, give us your contact information or pay your bills, provide employment information,.
Why can’t I limit all sharing?
Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes, for example:
Information about your creditworthiness.
Affiliates from using your information to market to you.
Sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.
From time to time we may monitor and/or record telephone calls between you and us to ensure the quality of our customer service or as required by applicable law.
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.
Purpose: This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) may be arbitrated instead of litigated in court.
Definitions: As used in this Arbitration Provision, the term “Claim” means any claim, dispute or controversy between you and us arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Provision or the Agreements. “Claim” includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term “Claim” is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any additional cardholders designated by you; (ii) the amount of available funds in the Card accounts; (iii) advertisements, promotions or oral or written statements related to the Cards, goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; and (v) your enrollment for any Card. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in the court.
As used in the Arbitration Provision, the terms “we” and “us” shall for all purposes mean the Bank, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, “we” or “us” shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms “you” or ”yours” shall mean all persons or entities approved by us to have and/or use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all additional cardholders.
Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either the Judicial Arbitration and Mediation Services (“JAMS”), or the American Arbitration Association (“AAA”), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select either of the other organizations listed to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org .
Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE JAMS, OR AAA, AS APPLICABLE (THE “CODE”). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.
Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated. The arbitrator’s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator’s authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.
Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing, administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.
Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the “FAA”). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party’s notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party’s submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant’s written notice. The decision of the panel shall be by majority vote and shall be final and binding.
Continuation: This Arbitration Provision shall survive termination of your Card as well as voluntary payment of any debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.
This card is issued by Metabank pursuant to a license from Visa U.S.A. Inc.
5501 S. Broadband Lane
Sioux Falls, SD 57108
© 2011 MetaBank
You must be 18 or older to play. If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537). For more info or to exclude yourself call 1-800-252-1775 or visit illinoislottery.com.