Common use of Merchant Disputes Clause in Contracts

Merchant Disputes. You are not responsible for the refusal of any merchant or financial institution to honor my card. The Credit Union is not responsible for problems with goods or services purchased with the card, subject to the limitations disclosed below under “My Rights If I Am Dissatisfied With My Credit Card Purchases”. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services I purchase with the card if I have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) my purchase was made in response to an advertisement the Credit Union sent or participated in sending to me; or