We are so confident that our encryption technology will protect the security of your online transactions that we offer you the NHPA Security Guarantee. If your credit card number is stolen online while using this site and unauthorized charges are made to your card, NHPA will reimburse you for the amount of unauthorized charges not covered by your credit card issuer up to the $50.00 limit of your liability.* To notify NHPA of fraudulent use and for information on how to receive reimbursement, call 1-800-TEL-SHOP and ask to speak to a supervisor (Monday - Sunday, 24 hours a day). If you have further questions regarding security issues please contact 1-800-TEL-SHOP.
* SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS:
If unauthorized charges appear on your credit-card statement as a result of purchases made through NHPA online, you must follow the reporting procedures outlined by your credit-card provider and contact us immediately. Most credit-card companies cover all charges that result from unauthorized use of your card, or limit your liability to $50.00 USD. ** If you are held liable for the unauthorized charges made to your credit card as a result of a credit-card purchase from NHPA's secure server, we will cover the remaining liability, up to a maximum of US $50.00 per card. The guarantee covers the credit card for a period of 12 months from the date of your last transaction.
** IMPORTANT NOTICE REGARDING LIABILITY FOR FRAUDULENT CHARGES UNDER FEDERAL LAW:
For credit cards: if the card issuer has notified you of your maximum potential liability, and has provided a means for you to notify the card issuer of credit card loss, and if the credit card contains a way of identifying the cardholder or authorized user, then your liability for fraudulent charges made to your card before the card issuer is notified is up to $50.00 on each card. For debit and cash machine cards: your liability for fraudulent use of your card is up to $50.00 if you notify the card issuer of card loss within two days. After that, your liability is up to $500.00. Or, if you do not notify the card issuer within 60 days of receipt of a monthly statement, showing unauthorized charges, then your liability is up to $500.00 and the total amount of unauthorized charges that occurred after the 60-day period and before notice, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within that time. (Massachusetts bank cards, $500.00 maximum liability per card.) Many card issuers' policy is not to hold cardholders liable.
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