The CVVkeyTM service (the “Service”) is provided to you by Keyno, Inc. The Service enables a Dynamic CVV2 Security Code that rotates multiple times a day to be used in place of the 3 digit security code printed on your credit, debit, or prepaid card.
PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE COMMENCING THE SERVICE. YOU ARE ENABLING YOUR ELIGIBLE DEVICE TO RECEIVE A CHANGING CVVKEY CODE. YOU ARE ALSO ALLOWING A TOKEN TO BE STORED ON YOUR ELIGIBLE DEVICE IN SOME INSTANCES. WHEN ENABLED, YOUR ELIGIBLE DEVICE BECOMES AN ENABLED DEVICE. WHEN YOU ACTIVATE THE SERVICE, OR ACTIVATE OR USE YOUR ENABLED DEVICE, YOU ARE AGREEING TO AND ARE BOUND BY THE TERMS OF THIS AGREEMENT. IF YOU DO NOT WANT TO AGREE AND BE BOUND BY THE TERMS OF THIS AGREEMENT, DO NOT ACTIVATE THE SERVICE AND DO NOT ACTIVATE YOUR ELIGIBLE DEVICE TO RECEIVE A CHANGING CVVKEY CODE.
In these CVVkeyTM Terms of Service, the “user”, "you" and "your" refer to the Cardholder of an Eligible Card issued by an Institution, and "we," "us," "our" and "Company" refer to Keyno, Inc., the provider of the Service.
"Account" means any Card account you open with an Institution pursuant to your agreement with that Institution.
“Agreement” or "Terms of Services" means these terms of service.
"Applicable Law" means all applicable laws, rules, regulations, published standards, permits, judgments, writs, injunctions, ruling, published administrative guidance or other regulatory bulletins or published guidance, regulatory examinations or orders, decrees and orders of any governmental authority.
"Cardholder" means a Person (a) that has an Account; and (b) whose name appears on the Eligible Card.
“Company” means Keyno, Inc.
“CVVkey Mobile Application” means the mobile application a Cardholder downloads on to an Eligible Device in order to use the Service whether through an Institution’s application or otherwise.
“Dynamic CVV2 Security Code” means a changing security code that is used in place of the 3-digit security code printed on an Eligible Card.
"Eligible Card" means any physical, digital or virtual card or other payment device accessing an Account issued or made available to the Cardholder by an Institution.
"Enabled Device" means a mobile communication device receiving the CVVkey codes via Text message, Email, Calendar, or the CVVkey Mobile application.
"Eligible Device" means a mobile communications device, such as a cell phone, that you own or control and that is capable of becoming an Enabled Device by receipt of text messages, emails, or the CVVkey Mobile application software.
“Institution” means a CVVkey participating card issuing institution.
"Person" means any individual, corporation, limited liability company, partnership, firm, joint venture, association, trust, unincorporated association, governmental authority, or other entity.
"Processing,” means our interactions with the CVVkey Mobile Application, Texting, Emailing, and using cookies on a computer/handheld device or using or touching information in any way, including, but not limited to, collecting, storing, deleting, using, combining and disclosing information.
"Provisioned Account" means an Account associated with a Provisioned Card.
"Provisioned Card" means an Eligible Card that is associated with an Enabled Device so that the Eligible Card may use the Service when making a payment to the Provisioned Account of the Cardholder of the Eligible Card.
“Registration Information” means information that Company may require you to submit in order to register and use the CVVkey Mobile Application, including but not limited to your name, email address, phone number, username, password, debit card, credit card, prepaid card payment card primary account number (PAN), card expiration date, billing postal code, and CVV2 security code printed on your Eligible Card.
“Service” is defined in the first paragraph of this Agreement.
"Third Party Agreements" means agreements that your Institution, your wireless carrier, and other third party websites or services that are integrated in the Service may have covering your use of their products or services.
The CVVkey Mobile Application is provided by and available through Keyno, an Institution pursuant to your Account, or a third-party vendor (Apple, Google, etc.) for download to your Eligible Device. The use of the Service requires you to sign up your Eligible Card through the CVVkey Mobile Application. The Enabled Device, when used in accordance with the CVVkey Mobile Application, should enable you to receive your Dynamic CVV2 Security Code prior to and during the time that it is active. You are responsible for any fees and charges associated with the use of your Provisioned Card, if any, as stated in the applicable schedule of fees and charges provided by your Institution, and for the fees and charges associated to your use of your Enabled Device imposed by a payment network, your internet service, other wireless communication provider, or other third party, including but not limited to data transmission and usage fees.
You are responsible to safeguard your Enabled Device and to keep your login and your Service authentication credentials secure. You agree to contact your Institution at once if you believe your Enabled Device or your authentication credentials have been lost, stolen or compromised in any way or you believe an unauthorized Person has used or may use your Enabled Device or your authentication credentials
If your Eligible Card or your Account is not in good standing with your Institution, your Eligible Card will not be eligible to become a Provisioned Card. We reserve the right to refuse to allow you to associate an Eligible Card with an Eligible Device at our discretion. We reserve the right to terminate your use of a Provisioned Card in your Enabled Device at our discretion.
You are covered by our Privacy and Security Policy. You authorize us to securely provide to third parties who are bound by a duty of confidentiality and who are necessary, in our opinion, to provide the Service such information about you and your Provisioned Account and your Provisioned Card as we reasonably believe is required to allow your Eligible Card to become and continue to be a Provisioned Card in your Eligible Device. Third parties to which we may provide such information hereunder include but are not limited to payment networks, card issuers, and 3rd party services providers. Information about you provided to any third party is covered by that party’s privacy policy. We are not responsible or liable to you for any breach of the obligation of confidentiality by any third party to whom we provide information about you provided we did so in good faith and for a business purpose. We may also use information about you and provide such information to others to improve our ability to provide the Service on condition that such information is not identifiable, directly or indirectly, as being about you.
You acknowledge that we are not, and do not represent, the Institution. Rather we are a service provider that enables your Eligible Device to become an Enabled Device for use of the Service. Use of your Enabled Device involves the electronic transmission of personal information through third parties. It is acknowledged that we do not control these third parties; therefore we are unable to and do not guarantee the privacy or security of the transmissions and shall not be responsible or liable to you for the performance or the non-performance of your Enabled Device or any third party not directly under our control. We do not represent or warrant that the Service will always be available or error free.
YOU AGREE THAT ANY CLAIMS ARISING OUT OF, RELATING TO, OR IN CONNECTION WITH THIS AGREEMENT MUST BE ASSERTED BY YOU OR US INDIVIDUALLY IN BINDING ARBITRATION CONDUCTED BY A SINGLE ARBITRATOR WITH EXPERIENCE IN CONSUMER ONLINE PAYMENT SERVICES DISPUTES ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS COMMERCIAL ARBITRATION RULES AND THE AAA SUPPLEMENTAL PROCEDURES FOR CONSUMER RELATED DISPUTES. To the extent allowed by applicable law, the arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability or formation of this Agreement including, but not limited to, any claim that all or any part of this Agreement is void or voidable. This Agreement and each of its parts evidence a transaction involving interstate commerce, and the United States Arbitration Act shall apply in all cases and govern the interpretation and enforcement of the arbitration rules and arbitration proceedings.
TO THE EXTENT ALLOWED BY LAW, YOU AGREE TO IRREVOCABLY WAIVE ANY RIGHT YOU MAY HAVE TO A TRIAL BY JURY OR OTHER COURT TRIAL OR TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT, ARBITRATION OR OTHER PROCEEDING FILED AGAINST US AND/OR RELATED THIRD PARTIES.
To be eligible to use the Service and to agree to these Terms of Service, you must be of the age of majority in your place of residence and have the power, authority and capacity to accept these Terms of Service. If you are a minor under the laws of the jurisdiction in which you enter into this Agreement (under 18 in most locations), you cannot enter into this Agreement. In order to register and use the CVVkey Mobile Application, Company may require that you provide certain Registration Information. You agree that the Registration Information and all other information that you provide to Company at all times will be true, accurate, and complete, and you agree to maintain and update the Registration Information with Company as necessary.
You acknowledge and agree that this Agreement is between you and Company, and not with any third party (including, but not limited to, Apple ®, Google ®, or any mobile carrier), only address the terms and conditions that apply to your use of the Service., and that Company may engage third party partners and providers in order to deliver you the Service. You further acknowledge and agree that your Institution, your wireless carrier, and other third party websites or services integrated in the Service have their own Third Party Agreements covering your use of their products or services and you are subject to those Third Party Agreements when you provide them your personal information, use their services or visit their respective sites, including, but not limited to, in connection with your use of the Service. You agree to comply with all applicable Third Party Agreements when using the Service. Company is not responsible for the security, accuracy, legality, appropriateness or any other aspect of the content or function of any third party’s products or services. It is your responsibility to read and understand the Third Party Agreements before creating, activating or using the Service.
We are not responsible for, and do not provide, any support or assistance for any third party hardware, software or other products or services. If you have any questions or issues with a third party product or service, including issues pertaining to the operation of your supported iOS or android device, please contact the appropriate third party in accordance with that third party's procedures for customer support and assistance.
What information does the CVVkey Mobile Application obtain and how is it used?
User Provided Information
The CVVkey Mobile Application obtains the information you provide when you download and register the CVVkey Mobile Application. Registration with us is optional. However, please keep in mind that you may not be able to use most of the features offered by the CVVkey Mobile Application unless you register with us.
When you register with us, you will be required to provide us the Registration Information. When you use the CVVkey Mobile Application, you will provide us information that you enter when using the CVVkey Mobile Application.
We may also use the information you provided us to contact you from time to time to provide you with important information, notifications, current dCVV2 codes, one time passcodes, required notices, and marketing promotions.
Automatically Collected Information
In addition, the CVVkey Mobile Application may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile devices unique device ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browsers you use, usage performance data, and information about the way you use the CVVkey Mobile Application.
Does the CVVkey Mobile Application collect precise real time location information of the device?
When you use the CVVkey Mobile Application, we may use GPS technology (or other similar technology) to determine your current location in order to determine the city you are located within for security and other purposes. We do not share your current location with other users, affiliates, or 3rd parties.
If you do not want us to use your location for the purposes set forth above, and if enabled on your device, you may turn off the location services for the CVVkey Mobile Application in your mobile phone settings and/or within the mobile application.
Do third parties see or have access to information obtained by the CVVkey Mobile Application?
We, along with our affiliates, use and share information in a limited and controlled manner. We may disclose User Provided Information and Automatically Collected Information:
Data Retention Policy, Managing Your Information
We will retain User Provided Information for as long as you use the CVVkey Mobile Application and for a reasonable time thereafter. We will retain Automatically Collected information while the CVVkey Mobile Application is installed and thereafter may store this information for a period of time in raw form and aggregate.
Security
The security of your account information is important to us. Only those persons who need your information to perform their job have access to it. In addition, we maintain physical, electronic and procedural security measures that comply with U.S. regulations and PCI DSS guidelines to protect your information. Our employees have limited access to your personal information based upon their responsibilities. All employees are instructed to protect the confidentiality of your personal information as described in these policies, which are strictly enforced.
Changes
We may update the privacy and security policies set forth above from time to time for any reason.
Your Consent
By using the CVVkey Mobile Application, you are consenting to our Processing of your information as set forth in the above privacy and security policies as same may be amended by us.
Contact us
If you have any questions regarding privacy while registering with us or while using the CVVkey Mobile Application, or have questions about our practices, please contact us via email at info@Keyno.io
You can stop all future collection of information by the Service, turn off notifications, and uninstall the CVVkey Mobile Application at any time. You may remove one or more of your Provisioned Cards from the Service at any time. You may use the standard uninstall processes as may be available as part of your mobile device or via the mobile application marketplace or network to uninstall the CVVkey Mobile Application.
We reserve the right for any reason to discontinue offering or supporting the Service for any Provisioned Card. Except as otherwise required by applicable law, we may block, restrict, suspend or terminate your use of the Service at any time without notice and for any reason, including if you violate these Terms of Service or any Third Party Agreement, if we suspect fraudulent activity, or as a result of the cancellation or suspension of your Provisioned Account. You agree that we will not be liable to you or any third party for any block, suspension, cancellation, or termination of your use of the Service for any Provisioned Card.
We may disqualify a Provisioned Card from the Service in its sole and absolute discretion. We also caution you that ANY ATTEMPT BY AN INDIVIDUAL OR ENTITY TO DELIBERATELY INTERFERE, INTERRUPT, MODIFY, AUDIT, ASSESS, RE-ENGINEER, OR DAMAGE ANY ASPECT OF THE SERVICE OR UNDERMINE THE LEGITIMATE OPERATION OF A PAYMENT, CREDIT, OR DEBIT CARD IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND WE RESERVE THE RIGHT TO SEEK DAMAGES AND COSTS (INCLUDING, WITHOUT LIMITATION, ATTORNEYS’ FEES) FROM ANY INDIVIDUAL OR ENTITY RESPONSIBLE FOR SUCH ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW.
YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE USE OF THE SERVICE AND THE CVVKEY MOBILE APPLICATION IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED TO YOU "AS IS" AND "AS AVAILABLE", WITH ALL DEFECTS THAT MAY EXIST FROM TIME TO TIME AND WITHOUT WARRANTY OF ANY KIND, AND COMPANY ON BEHALF OF ITSELF, AND ITS DIRECT OR INDIRECT SUBSIDIARIES, AFFILIATES, AGENTS, EMPLOYEES, REPRESENTATIVES, AND SUPPLIERS, HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE SERVICE OR ANY PROVISIONED CARD, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, TITLE AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. WE, ON BEHALF OF OURSELVES AND OUR SUPPLIERS, ALSO DO NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF THE SERVICE OR ANY PROVISIONED CARD, OR THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, THE SERIVICE WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OR AVAILABILITY OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY COMPANY OR ANY OF ITS AUTHORIZED REPRESENTATIVES, ANY INSTITUTION, OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY.
EXCEPT AS OTHERWISE PROVIDED BY LAW, IN NO EVENT SHALL COMPANY OR ITS DIRECT OR INDIRECT SUBSIDIARIES, AFFILIATES, AGENTS, EMPLOYEES OR REPRESENTATIVES BE LIABLE FOR DEATH, PERSONAL INJURY, PROPERTY DAMAGE, OR ANY INCIDENTAL, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF OR DAMAGE TO DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL OR FINANCIAL DAMAGES, LOST REVENUES, OR OTHER LOSSES OF ANY KIND, ARISING OUT OF THESE TERMS OF SERVICE OR IN ANY WAY RELATED TO YOUR USE OR INABILITY TO USE THE SERVICE OR ANY PROVISIONED CARD, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
NOTHING IN THESE TERMS OF SERVICE SHALL OPERATE SO AS TO EXCLUDE OR LIMIT OUR LIABILITY FOR ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED BY APPLICABLE LAW. Federal law and the laws of certain States or other jurisdictions may not allow the exclusion or limitation of certain damages. If these laws apply, some or all of the above exclusions or limitations may not apply to you, and you may have rights in addition to those contained in these Terms of Service.
This Section shall survive any termination of these Terms of Service.
THE CVVKEY MOBILE APPLICATION IS LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THESE TERMS OF SERVICE TERMS OF SERVICE. COMPANY RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU.
You are granted a non-exclusive, non-sub-licensable, non-transferable, personal, limited license to install and use the CVVkey Mobile Application on your Eligible Device solely in accordance with these Terms of Service. This license is limited to use on any Eligible Device that you own or control and as permitted by any applicable Third Party Agreements. Such license does not allow you to use the CVVkey Mobile Application on any device that you do not own or control or for which you do not have authorization to install or run the CVVkey Mobile Application or use the entered Eligible Card, and you may not distribute or make the CVVkey Mobile Application available over a network where it could be used by multiple Eligible Devices at the same time.
You may not rent, lease, lend, sell, redistribute, or sublicense the CVVkey Mobile Application. You may not copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the CVVkey Mobile Application, any updates, or any part thereof (except as and only to the extent any foregoing restriction is prohibited by applicable law ). Any attempt to do so is a violation of the rights of Company and any of its third-party Licensors. If you breach this restriction, you may be subject to a civil lawsuit, prosecution, and damages.
You agree that we may be automatically updated or upgraded the CVVkey Mobile Application without notice to you at any time and at our sole discretion.
The license granted hereunder is effective until terminated by the Cardholder, the owner of the Enabled Devise, your Institution, or Company. Your rights will terminate automatically without notice from Company if you fail to comply with these Terms of Service or if we terminate your use of the Service or the CVVkey Mobile Application.
The MIT License (MIT)
The following open source libraries are subject to the terms and conditions of The MIT License (MIT), included below.
Apache License, Version 2.0, January 2004
The MIT License (MIT)
http://opensource.org/licenses/MIT/
Copyright (c) Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the "Software"), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions: The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software.
THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.
SPECIFIC TERMS AND CONDITIONS FOR USE, REPRODUCTION, AND DISTRIBUTION OF Apache License, Version 2.0, January 2004, ARE INCLUDED BY REFERENCE AND ARE AVAILABLE AT https://www.apache.org/licenses/LICENSE-2.0.txt
These Terms of Service, your use of the Service, and any claim, dispute or controversy arising from or relating to these Terms of Service or your use of the CVVkey Mobile Application are governed by and construed in accordance with the laws of the United States of America, State of Florida (without regard to its conflict of laws rules) and applicable federal or international law. The legality, enforceability, and interpretation of these Terms of Service and the amounts contracted for, charged, and received under these Terms of Service, if any, will be governed by such laws. These Terms of Service are entered into between you and us in Florida. Subject to the arbitration provision, you expressly agree that exclusive jurisdiction for any claim or dispute with us resides in the courts of Broward County Florida and you further agree and expressly consent to the exercise of personal jurisdiction in such courts of Florida in connection with any such dispute including any claim involving us or our affiliates, subsidiaries, employees, contractors, officers, directors, agents and content providers.
Your access to and use of the Service is subject to your compliance with all Applicable Laws. We reserve the right to seek all remedies available at law and in equity for violations of these Terms of Service. These Terms of Service (including all agreements and policies referenced in these Terms of Service, which are not modified or superseded by these Terms of Service) set forth the entire understanding and agreement between you and us, whether written or oral, with respect to the subject matter hereof and supersede any prior or contemporaneous understandings or agreements with respect to such subject matter. If any part of these Terms of Service are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of these Terms of Service shall continue in effect. Our failure to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision. The section titles in these Terms of Service are for convenience only and have no legal or contractual effect. We may assign these Terms of Service, in whole or in part, at any time with or without notice to you. You may not assign these Terms of Service, or any part of it, to any other party and any attempt by you to do so is void. These Terms of Service shall inure to the benefit of and be binding upon the parties hereto and their successors and permitted assigns. There are no third-party beneficiaries to these Terms of Service. If a dispute relates or arises from the subject matter of these Terms of Service and relates to the Service, such dispute will be governed by the arbitration provision set forth in these Terms of Service. The terms of this section will survive termination of these Terms of Service, together with any other terms which by their nature the parties contemplate should survive.
We reserve the right to revise these Terms of Service at any time and you are deemed to be aware of and bound by any changes to these Terms of Service by your continued access to or use of the Service after we post the modified Terms of Service. We will indicate that changes to these Terms of Service have been made by updating the "Last Modified" date at the beginning of these Terms of Service. You will also be able to view the revised Terms of Service on your Enabled Device by accessing the Service. If you do not accept any revisions made to these Terms of Service, your sole and exclusive remedy is to stop your use of the Service, delete the CVVkey Mobile Application, and cancel the Service on all Provisioned Card(s). It is your responsibility to periodically review the Terms of Service and any continued access or use of the Service, following a change in the Terms of Service, will be considered as confirmation of being aware of the aforementioned changes and to be bound by any changes.
As a condition to activating and using the Service, you consent to receive messages on your Enabled Device (i.e., SMS, MMS, PUSH) from us relating to your use of the Service. You also agree to receive notices and other communications from us by e-mail or the CVVkey Mobile Application or through other messaging capabilities of the Service.
Card Issuer Agreements
In addition to this Terms of Service, your Institution may have their own terms of service policy. Please contact your Institution directly for additional information.
Last Modified November 30, 2022