New Hampshire Stored Value Product Agreement and Disclosures refer to the legal terms and conditions governing the use and management of stored value products offered by financial institutions or other entities operating in New Hampshire. These agreements and disclosures outline the rights and obligations of both the provider and the cardholder or user of the stored value product. Stored value products, also known as prepaid cards or gift cards, are monetary instruments with a predetermined value that can be used for purchases or transactions. In New Hampshire, there may be different types of Stored Value Product Agreement and Disclosures, each tailored to specific types of stored value products. Some of these products may include: 1. Prepaid Debit Cards Agreement and Disclosures: This type of agreement covers prepaid debit cards issued by banks or other financial institutions. It outlines the terms related to card usage, reloading, fees, expiration dates, and dispute resolution processes. 2. Gift Card Agreement and Disclosures: This agreement is specifically designed for gift cards issued by retailers or service providers. It highlights the terms regarding card activation, redemption, fees, exclusions, and expiration dates. 3. Mobile Wallet Agreement and Disclosures: With the rise of mobile payments, this type of agreement focuses on stored value products integrated into mobile wallet applications. It may include terms related to account setup, payment authorization, security measures, and any additional features provided by the mobile wallet service. 4. Prepaid Travel Cards Agreement and Disclosures: These agreements are targeted towards stored value products designed for travel purposes. They address terms related to foreign transaction fees, currency conversion rates, ATM access, and card replacement in case of theft or loss. 5. Reloadable Prepaid Cards Agreement and Disclosures: This agreement covers stored value products that can be reloaded with additional funds. It defines the reloading methods, fees, and usage limits associated with these types of cards. In all types of New Hampshire Stored Value Product Agreement and Disclosures, the key elements covered include terms of use, fees and charges, expiration dates, disclosure of cardholder rights, dispute resolution processes, and customer service contacts. These agreements and disclosures aim to protect both the provider and the cardholder by establishing clear guidelines for maintaining and utilizing stored value products in New Hampshire.
New Hampshire Stored Value Product Agreement and Disclosures
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Put simply: yes. From a legal standpoint, verbal contracts can be just as valid as written contracts. There are, of course, nuances and exceptions, and a verbal contract may be much more difficult to enforce in court should something go wrong.
It's harder to prove what exactly the contract terms were if they are not in writing. However, it's not necessary to have the contract in writing in order for it to be legally enforceable. Mutual assent can be expressed by spoken words, gestures, or may be inferred from the context of the situation.
An oral contract is a type of business contract that is outlined and agreed to via spoken communication, but not written down. Although it can be difficult to prove the terms of an oral contract in the event of a breach, this type of contract is legally binding.
To be valid, an oral contract must contain all of the following elements, which are required in any other type of contract: Offer. The offer is the promise to do something?or to not do something?in exchange for what the other party is providing. Acceptance. ... Consideration. ... Meeting of the minds. ... Legally enforceable.
A court may not enforce an oral contract if one or both parties lack competency or legal capacity. Examples of situations where parties may be deemed incompetent or lacking legal capacity include: If one or both parties were under the influence of alcohol or other incapacitating substances.
Sellers knows that in the state of New Hampshire anyone who owns a one to four family dwelling is required to fill out certain disclosures before a buyer makes an offer in writing. One such disclosure is the Water Supply Disclosure.