The Ohio Stored Value Product Agreement and Disclosures serve as a comprehensive document outlining the terms and conditions governing the use of stored value products in Ohio. This agreement is designed to protect both consumers and stored value program operators, ensuring transparency and accountability throughout the usage process. One of the primary types of Ohio Stored Value Product Agreement is related to prepaid debit cards. In this agreement, the terms and conditions specific to prepaid debit cards are outlined, covering aspects such as fees, card usage limitations, account access, and dispute resolution. It serves as a legal contract between the issuer and the cardholder. Another crucial type of Ohio Stored Value Product Agreement pertains to electronic gift cards. This agreement is specifically tailored to govern the use of electronic gift cards or e-gift cards within the state of Ohio. It outlines the terms related to redemption, fees, expiration dates, and any restrictions associated with the electronic gift cards. To ensure full comprehension, these agreements are accompanied by detailed disclosures. These disclosures provide important information regarding each stored value product, serving as a guide for consumers. The disclosures typically cover aspects like the terms and conditions, fee schedules, customer service contact information, and instructions on how to report any card-related issues. The Ohio Stored Value Product Agreement and Disclosures emphasize complete disclosure, aiming to prevent any potential consumer harm and promote transparency within the stored value products industry. By abiding by this agreement, both consumers and stored value program operators can engage in fair and secure transactions, while also ensuring legal compliance within the state of Ohio.
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.Ohio Acuerdo y divulgaciones de productos de valor almacenado - Stored Value Product Agreement and Disclosures
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The CSPA requires sellers (or ?suppliers?) to: Not mislead consumers. Not take advantage of a consumer's illiteracy, mental disability, physical disability, or inability to understand the terms of a sale. Not sell a product or service knowing the consumer cannot afford or substantially benefit from it.
As used in sections 1315.21 to 1315.30 of the Revised Code: (A) "Check" means any check, draft, money order, or other instrument for the transmission or payment of money. "Check" does not include a travelers check.
Ohio Rev. Code § 1315.01(G)'s definition of ?money transmission? encompasses nearly every transmission of monetary value.
The Ohio Consumer Sales Practices Act ("OCSPA" or the "Act") (Ohio Rev. Code § 1345.01 et seq.) is a set of laws that aim to protect consumers from sales practices that are deceptive, unfair, or unconscionable. While the OCSPA serves a legitimate need of protecting consumers, its impact on businesses can be profound.
As used in sections 1315.21 to 1315.30 of the Revised Code: (A) "Check" means any check, draft, money order, or other instrument for the transmission or payment of money. "Check" does not include a travelers check.
Section 1345.03 | Unconscionable consumer sales acts or practices. (A) No supplier shall commit an unconscionable act or practice in connection with a consumer transaction. Such an unconscionable act or practice by a supplier violates this section whether it occurs before, during, or after the transaction.
Consumer Sales Practices Act (1972) Prohibits sellers from taking advantage of a consumer's illiteracy, mental or physical disability, or inability to understand the terms of a sale. Prohibits sellers from selling a product or service to a consumer they know cannot afford or substantially benefit from the purchase.
(3) In order for a declaration to become operative in connection with a declarant who is in a terminal condition or in a permanently unconscious state, the attending physician of the declarant shall determine, in good faith, to a reasonable degree of medical certainty, and in ance with reasonable medical ...
Such other claim might be a breach of contract or warranty claims. It is important to note that the CSPA has a relatively short statute of limitations of two years from the date of the violation whether you know about it or not.
Ohio Rev. Code § 1315.01(G)'s definition of ?money transmission? encompasses nearly every transmission of monetary value.