General Terms & Conditions
This act provides a “notice and take-down” process for copyright owners who believe their intellectual property rights have been infringed. The Act allows copyright owners to notify an Online Service Provider (OSP) of allegedly infringing material that resides on the OSP’s system and to request the OSP to remove or block access to such material.
Federal Communications Commission’s (FCC) “Open Internet Access Rule” – effective November 20, 2011.
Green Hills Communications values our customer’s and want to make sure they feel safe and secure while online. We take every precaution to monitor, prevent, and identify fraudulent behavior when related to our website; however there is the possibility of fraudulent online activity that we may not be able to intercept. Please be aware of a major online fraud called “phishing” which is affecting many companies. Phishing is a way people obtain an individual’s confidential information through electronic means by masquerading as a legitimate organization. The unsuspecting individual believes they are communicating with someone they are currently doing business with or wish to do business with. Unfortunately, the individual may not know their confidential information has been “stolen”. Green Hills Communications WILL NEVER contact you via email to obtain your personal information, so NEVER give out your social security number or credit card information via email.
Tips on how to safely do business online:
If you visited a website that you did not navigate to or from, then it may be a phishing website.
Never responded to an email asking to confirm confidential or personal information about your account.
If you feel you have been a victim of “phishing” after giving out your credit card information, Green Hills Communications suggests you contact your credit card company immediately. You may also contact any of the three major credit bureaus to sign up for their fee-based credit monitoring service that will automatically notify you whenever your credit record is accessed. (Equifax 888-766-0008, Experian 888-397-3742, and Trans Union 800-680-7289.)
If you believe you have been contacted by someone posing as a Green Hills Communications employee or have given personal information through a fraudulent website posing as a Green Hills Communications website, please contact us immediately at 660-644-5411 or 1-800-846-3426.
Describes the precautionary and preventative efforts of Green Hills Communications to protect against fraudulent online activity and offers suggestions on how to protect you online.
Governs access and use of any Green Hills Communications owned or operated website and applies to all online billing information and payment services.
Promotional Disclaimer: Promotional offers may be available to new and/or existing residential customers. Promotions may require a 12-month contract and an $180 prorated early termination fee will apply if service is downgraded or canceled prior to fulfillment of 12-month agreement. Customer who downgrades or cancels service prior to fulfilling agreement will not be allowed to enter another promotional contract. After promotional period has expired, the service will increase to normal Internet service rate (see greenhills.net for current Internet rate). Promotional credit cannot be applied for more than the amount of the monthly service charge. Promotional credit will be forfeited or reduced if other credits are applied to the account (excluding credits from over payment by customer). Promotional credits have no cash value and will not result in a cash refund if service is cancelled.
Like most companies, we have certain information about our customers and use it to provide our services. We also share it only with our subsidiary companies.
If you have questions about this policy or our practices, please email us at email@example.com or write us at:
Green Hills Communications Legal PO Box 227 Breckenridge, MO 64625
Customer Premise Equipment Agreement
As part of the Customer Premise Equipment Agreement, the customer understands and agrees to the following:
The customer premise equipment (CPE) includes but not limited to: modem, radio, power supply, antennas, set top boxes, or any other equipment that may apply and that the CPE is the property of Green Hills.
Upon disconnection of service, Green Hills has the customer’s permission to remove any outside equipment from the customer’s premise that is owned by Green Hills.
The customer agrees to return any equipment inside their premise. Futhermore, they understand that a charge will be applied to the final invoice to be collected for payment unless the customer premise equipment is retrieved by Green Hills. The customer has 30 days to arrange the return of the working equipment to receive credit for the charge.
Customer agrees to pay for service, maintenance, repair, or replacement due to any equipment loss resulting from damage other than normal usage such as; damage due to misuse, abuse, fire, flooding, other natural catastrophe, or intentional acts.
Customer agrees to indemnify and hold Green Hills harmless from liability to any third parties, including the owner of the Applicant’s premises, for damage to the premises resulting from the installation, repair, maintenance and removal of customer premise equipment.
Green Hills’ and its subsidiaries’ entire liability under any provision of this agreement shall be limited to direct damages which shall not exceed the pro rata portion of the monthly charges for the service for the time period during which the service provided pursuant to this agreement are inoperative, not to exceed in total the customer’s monthly charge for the service.
The customer makes application for the above service and equipment, and for such additional service or equipment as may be ordered later, and agrees to pay established rates for all such service and equipment, as set forth in the exchange tariff of the company.
Acceptable Use Policy
Green Hills will make every attempt to update the contents of greenhills.net; however, there is no guarantee concerning the information provided. Green Hills Communications does not warrant or guarantee the accuracy of any information available on the greenhills.net website. The information is provided for personal use and for the convenience of web users. Green Hills does not endorse or recommend any particular product or service. Green Hills suggests that all users read the privacy statements from all sites linked to greenhills.net.
ACH Account Validation
1. What is the effective date for the Rule change?
The effective date for the change is March 19, 2021.
The rule was originally approved by Nacha members in November 2018, to become effective January 1, 2020. The Nacha Board of Directors approved the extension in effective date to allow for additional time, education, and guidance to be provided to the industry.
2. How does this change what is currently required by the Nacha Operating Rules?
Currently, Originators of WEB debit entries are required to use a “commercially reasonable fraudulent transaction detection system” to screen WEB debits for fraud. This existing screening requirement will be supplemented to make it explicit that “account validation” is part of a “commercially reasonable fraudulent transaction detection system.” The supplemental requirement applies to the first use of an account number, or with subsequent changes to the account number, when used for WEB debit entries.
3. As part of a commercially reasonable fraud detection system for WEB debit entries, the Nacha Rules require an Originator validate the account number prior to its first use and before any change to the account number. What does the term “validate” mean?
At a minimum, the Originator must use a commercially reasonable means to determine that the account number to be used for the WEB debit is for a valid account – that is, that the account to be used is a legitimate, open account to which ACH entries may be posted at the RDFI.
4. Does the new rule on account validation mean that an Originator must also validate the ownership of the account?
No. The minimum standard imposed by the Nacha Operating Rules requires Originators to validate that an account is open and accepts ACH entries.
However, because the determination of whether a business practice is considered commercially reasonable depends on a particular Originator’s business model and risk profile, and how it compares to similarly situated Originators, each Originator will need to determine for itself, in consultation with its own advisors, such as legal counsel and risk department, whether verifying simply that an account is open is sufficient. For some Originators, a more rigorous assessment that also verifies account ownership may be appropriate to meet a commercially reasonable standard.
5. Do the Nacha Operating Rules require a specific method for validating the account information?
No. The Nacha Operating Rules are neutral with regard to specific methods or technologies to validate account information. See the question below for additional guidance.
6. Are there methods of account validation that Nacha recognizes as sufficient?
Examples of methods to validate an account may include, but are not limited to, the use of a Prenotification Entry, ACH micro-transaction verification, use of a commercially available validation service provided by either an ODFI or a third-party, and use of account validation capabilities or services enabled by APIs.
Other options not listed above may also provide a commercially reasonable means to test an account for ACH use. As an example, use of a third-party that provides scoring information on the account status might be determined by some Originators to be a commercially reasonable option. Similarly, for others, an account with a proven history of prior successful payments may prove a sufficient means for validation for use of the account with a new WEB authorization.
Since the concept of commercial reasonableness is dependent on each customer’s particular situation and how it compares to similarly-situated Originators, each Originator, in consultation with its own attorneys, risk department, or other advisors, will need to determine which account validation method meets the commercially reasonable standard for its own facts and circumstances.
Nacha does not consider a fraudulent transaction detection system that does not include an account validation component as sufficient.
7. Does the new rule require an Originator to verify account numbers for all of its existing WEB debit customers?
No. This rule applies on a “going-forward” basis and applies to new account numbers obtained for initiating WEB debits. This rule does not apply retroactively to account numbers that have already been used for WEB debits.
8. If a WEB debit customer authorizes use of an account number that has been previously used successfully for non-WEB debits, must an Originator do additional validation of that account number?
No. Use of an account number with a proven history of prior successful payments is a sufficient means for validation for use of the account with a new WEB authorization.
9. If a WEB debit customer authorizes use of an account number that has been previously used successfully for WEB debits, must an Originator do additional validation of that account number?
No. Use of an account number with a proven history of prior successful payments is a sufficient means for validation for use of the account with a new WEB authorization.
10. If an Originator has already validated its existing WEB debit customer’s account number, and the customer subsequently changes the account to a new number that has not been used previously, must the Originator validate the new number before its use?
11. If an Originator of WEB debits receives a Notification of Change from an RDFI requesting an update to the RDFI customer’s account number, must the Originator validate the new account number before its use?
No. The accuracy of an account number change requested by the RDFI via the NOC process is warranted by the RDFI, which serves as validation. The Originator need not re-validate the change, provided it has correctly applied the change requested by the RDFI.
12. If an Originator transmits a Prenotification Entry to validate the Receiver’s account number, and does not receive a Return Entry or Notification of Change in reply, can the Originator assume that the prenote posted to a valid account?
Yes. Transmission of a Prenotification Entry meets the minimum standard of the Rules for validating that an account is open and can accept ACH entries. Under today’s prenote rules, an Originator can assume that a “no response” by the end of the return/NOC period means that the RDFI has validated the account number is open and can accept ACH entries, and therefore begin to transmit live entries. However, for some Originators, this standard of account validation may not be commercially reasonable for the particular line of business or risk profile compared with similarly-situated Originators, and the use of a more rigorous account validation standard may be appropriate.
13. If an Originator transmits one or more ACH micro-transactions that are not returned within the return time frame, can the Originator assume that the transactions posted to a valid account?
Yes. Transmission of ACH micro-transactions can meet the minimum standard of the Rules to validate that an account is open and can accept ACH entries. If the RDFI does not return the micro-transactions within the return timeframe, the Originator can assume that the entries posted to a valid account. However, for some Originators, this standard of account validation may not be commercially reasonable for the particular line of business or risk profile compared with similarly-situated Originators, and the use of a more rigorous account validation standard may be appropriate.
14. Why was this change made?
ACH Originators of WEB debit entries are required to use a “commercially reasonable fraudulent transaction detection system” to screen WEB debits for fraud. This requirement is intended to help prevent the introduction of fraudulent payments into the ACH Network, and to help protect RDFIs from posting fraudulent or otherwise incorrect/unauthorized payments.
Originators are in the best position to detect and prevent fraud related to payments they are initiating, but in recent risk events perpetrated via social media channels, it has become apparent that some ACH Originators do not have or use any such system to screen WEB debits.
15. Does an account validation method or service have to cover 100% of potential accounts to be considered commercially reasonable?
No. An account validation service or method might be commercially reasonable for a specific set of facts and circumstances, even if it does not cover 100% of potential accounts or account validation attempts.
What is “commercially reasonable” should be assessed by the parties within the full context of all the relevant facts and circumstances. Such facts and circumstances can include:
A. the risks associated with the purpose of the transaction being initiated;
B. the originator’s history with returns for invalid account information and fraud;
C. the percentage of “no hit” responses;
D. the historical experience of fraud on “no hit” responses with the service being used; and,
E. the use of other compensating controls.
In addition, an account validation service or method could supplement its primary validation method with others, such as an ACH prenotification or micro-transaction, in an effort to come closer to 100% coverage. As an example, an instant verification service that can validate 95% of potential accounts can use supplemental methods such as prenotification or micro-transactions for many of the remaining accounts. Alternatively, it may be commercially reasonable in some circumstances to confirm that the remaining 5% of entries do not show unusual or suspicious activity, such as concentrations of entries on specific routing numbers or suspicious account number sequencing in a series of entries.
While no account validation system is likely to have a perfect record in identifying invalid accounts, Nacha does not advocate any specific percentage of “unidentifiable” accounts as “commercial reasonable.” Parties must make that judgment based on their own specific facts and circumstances.
16. If an attempted account validation results in a “no hit” (i.e., neither a positive or a negative outcome), can an Originator initiate a WEB debit entry that to that account number and still be compliant with the Rule?
Yes. A commercially reasonable account validation method, assessed based on the factors described in the Rule and these FAQs, may include instances where a WEB debit entry is initiated even if the attempted account validation resulted in a “no hit.”
17. If an Originator has a commercially reasonable fraudulent transaction detection system that does not include an account validation component, can WEB debit entries be originated on the first use of an account number and be in compliance with the Rule?
No. As of the effective date, originating WEB debit entries the with first use of new account numbers would not be in compliance with the Rule if the fraudulent transaction detection system does not include an account validation component. Nacha does not consider a fraudulent transaction detection system that does not include an account validation component as sufficient under the Rule. Ongoing origination of WEB debit entries using existing account information (from prior to the effective date) would be compliant.