This document contains the terms and conditions for using HDFS Bill Pay. "You and
Your" refer to the user of the system. The words "we", "us" and "our" refer to Harley-
Davidson Credit Corp. ("Harley-Davidson Credit"). Each time you authorize a recurring
or one-time payment transaction using your telephone or via the web, you are agreeing to
these terms and conditions. Harley-Davidson Credit is a member of the Harley-Davidson
Financial Services family.
By providing your unique identifying information and confirming the payments:
You may revoke or cancel an authorized payment only by following the procedure in
Section II. All payments made using a bank account are made or initiated through an
Automated Clearinghouse ("ACH"), debit and card payments are made or initiated
through standard debit and credit card processing networks.
I. Using HDFS Bill Pay. HDFS Bill Pay is for use with Harley-Davidson Credit accounts
only. To make a one-time payment or to set up a recurring payment you will need to call
1-800-699-2336 or access our website (www.myhdfs.com) and then follow the HDFS
Bill Pay link and supply your unique identifying information which includes:
You will need to supply a valid bank routing number (RTN) along with the associated
valid bank account number for Electronic Check ("eCheck") or a valid credit/debit card
number and expiration date for credit/debit card payments. If applicable, you will need to
supply a valid credit or debit card number, card expiration date, billing address and
CVV/CVD codes for card payments.
Recurring payments may only use eCheck, but single payments on non-aircraft accounts
may be made via eCheck, credit, or debit card. You may designate:
II. Revocation/Cancellation of Payments. Cancellation of your recurring payment is not automatic upon payoff of your loan. To revoke or cancel a payment call 1-888-691-4337 on a business day or visit our website. You can cancel a payment at any time at least 24 hours before your next Payment Date. In the event that your scheduled payment to Harley-Davidson Credit, or any payment to a payment system operated by our Service Providers (even if unrelated to your Harley-Davidson Credit account), is returned for nonsufficient funds, you may be required to update your payment information or take other action before additional recurring payments to Harley-Davidson Credit can be processed.
III. Documentation. You will not receive separate HDFS Bill Pay receipts; however,
you will continue to receive monthly statements in the mail from us. You will receive
email confirmations of certain system activity, including processed payments, if you
provided a valid email address.
IV. ALL QUESTIONS ABOUT HDFS BILL PAY OR THE HDFS BILL PAY
SYSTEM OR WEBSITE SHOULD BE DIRECTED TO HARLEY-DAVIDSON
CREDIT, AND NOT TO THE FINANCIAL INSTITUTION WHERE YOUR
ACCOUNT IS HOUSED. We are responsible for the HDFS Bill Pay service and for
resolving any errors in payments made via HDFS Bill Pay. In case of errors or questions
about your HDFS Bill Pay payment, call or write us at the phone number or address
provided below (as a precaution, do not include bank account information or credit/debit
card information on any correspondence). Contact us as soon as you can if you think a
HDFS Bill Pay payment is incorrect, or if you need more information about a HDFS Bill
Pay payment reflected on your statement. We must hear from you no later than 90 days
after you receive the FIRST statement on which the problem or error appeared.
ABOUT CONTACTING HARLEY-DAVIDSON CREDIT REGARDING A HDFS
BILL PAY ERROR OR QUESTION; You may contact Harley-Davidson Credit by
telephone or in writing at the following address:
PO Box 22048
Carson City, NV 89721-2048
Please provide the following information:
If you tell us orally, we may require that you send us your complaint or question in
writing within 10 business days. We will provide you with the results of our investigation
within 10 business days after we hear from you and will correct errors 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 may transmit a provisional credit to your bank/card
account within 10 business days for the amount you think is in error, so that you will
have the use of the money during the time it takes us to complete our investigation (and
we will tell you when we do this. This may be accompanied by a provisional
corresponding adjustment to your Harley-Davidson Credit account). If we ask you to
put your complaint or questions in writing and we do not receive it within 10
business days, we may not send the provisional credit. If we decide that there was no
error, we will send you a written explanation within three business days after completing
our investigation. You may ask for copies of the documentation we used to conduct our
investigation. Errors in your bank account that are unrelated to HDFS Bill Pay or the
HDFS Bill Pay System or Website should be directed to your financial institution.
V. Confidentiality. We may share information we collect about you, except credit
bureau information, with outside companies that are assisting us with servicing your
account ("Service Providers"). Our agreements with these Service Providers require that
they protect this information; they are only to use it to carry out the services they are
performing for us. This is explained in the Harley-Davidson Financial Services' Privacy
Notice, which is mailed to you annually. If you would like a copy, please contact us at the
address or telephone number provided in Section IV.
VI. Liability for Unauthorized Use. If you think your account has been accessed
without your permission for a HDFS Bill Pay payment, contact us immediately by calling
or writing us at the telephone number or address provided in Section IV. You should also
contact your financial institution. Calling us immediately is the best way to keep your
losses to a minimum. If you contact us within 4 business days, your losses will be limited
to $50 for unauthorized use. You could lose up to $500 if you do not notify us within 4
business days and we determine that the loss could have been prevented. Call us
immediately if any unauthorized payments appear on your bank account statement, or
credit/debit card statement. If you do not contact us within 90 days after the statement
was mailed and we could have prevented the loss, you may not recover any funds you
lost after the 90 day period.
VII. Termination. Participation is optional. We reserve the right to discontinue
accepting HDFS Bill Pay payments at any time, for any reason without prior written
notice. We may send notification of termination of HDFS Bill Pay anytime after the
termination is effective. If we terminate, we will not accept payment and debit requests.
We may also temporarily discontinue accepting HDFS Bill Pay payments, at our sole
discretion. Termination does not affect your rights and obligations for HDFS Bill Pay
payments prior to termination. Termination of HDFS Bill Pay does not affect your
payment obligations under the Promissory Note and Security Agreement.
VIII. Change in Terms. We may change the terms of this agreement at any time. As
required by law, we will inform you of any changes. Unless otherwise stated, changes
will be effective immediately. Continuing to use HDFS Bill Pay to make your Harley-
Davidson Credit payment will mean you agree to the new terms.
IX. Liability. You agree that any and all losses shall be limited to actual damages and we
shall not be responsible for losses resulting from the following:
SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND
EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. EXCEPT AS
OTHERWISE PROVIDED THEREIN OR REQUIRED BY LAW;
WE DO NOT GUARANTEE THE SECURITY, PRIVACY OR INTEGRITY OF
INFORMATION IN TRANSIT OVER TELEPHONE LINES. THE PRECEDING
SHALL NOT BE DEEMED TO DISCLAIM LIABILITY SPECIFICALLY IMPOSED
ON US OR OUR SERVICE PROVIDERS BY STATUTE OR REGULATIONS, TO
THE EXTENT SUCH LIABILITY CANNOT BE WAIVED OR DISCLAIMED.
X. Miscellaneous. No waiver of any terms will be effective unless in writing. You may
not transfer your rights or obligations under this Agreement. This Agreement is governed
by the laws of the state of Nevada, without regard to that state's conflict of laws
provisions, and by applicable federal laws and regulations. If any term is invalid, the
remaining terms shall be valid. These terms are in addition to any other agreement you
have with us. We may subcontract any of the duties.
XI. Service Fees. We (or our designee/service provider) may charge fees for certain
services and those fees are subject to change at anytime as allowed by law. These
fees may be in addition to fees, charges or costs outlined in your Promissory Note
and Security Agreement or other contract documentation.