|
| Answers |
| 1. How do I register? |
| Visit www.CelPog.com
and click "Sign up". |
| · |
Input your basic information, review the
terms and conditions, and click "Create my account". |
| · |
CelPog automatically sends you a verification
email and text message. |
| · |
Go to your email box and click the link
found in the text of the email to verify your email address. This
will bring you to a new page where you will be prompted to insert
your cell phone validation code. |
| |
Note: if you do not immediately receive an email
from CelPog check your spam folder. |
| · |
Check your cell phone's text messages and
input the phone validation code to verify your cell phone number |
| CelPog never asks for any private or confidential information.
Credit card and bank information can be added at any time after registration. |
|
| Setup |
| 2. Why do I need both a Password and
a PIN? |
| Your password is used to log in to the CelPog website; your PIN ensures
additional security before completing any online financial transaction. |
| Setup |
| 3. Why should I add all my email accounts? |
| Adding email accounts makes it easier for your friends to identify and
transact with you. Add up to five email accounts and choose one as your
primary email account. CelPog will use your primary account to identify
and communicate with you. Your friends will be able to use any of your five
email addresses to transact with you but only your primary account will
be visible to CelPog members. If you have an .edu account we urge you to
include as one of your five email accounts (it does not have to be your
primary). Doing so will allow us to identify you as a member of your particular
college community which will make additional benefits and functions available
to you. |
| Setup |
| 4. How do I add my credit card and/or
banking information? |
| · |
Under the Profile tab click "Bank Account"
or "Credit Card" followed by "Add". |
| · |
Input your account information. |
| For Credit Cards your account will be verified immediately. |
| For Bank Accounts, CelPog will make two small deposits
into your bank account (please allow up to two days for these to appear).
Once you can see these two deposits on your online bank statement
return to Profile/Bank Account and insert the two amounts in the boxes
(no decimal points, in either order). |
Note: CelPog reserves the right to deduct the
two credits from your account after they have been used for verification
purposes or if your account remains unverified for 30 days. |
|
| Setup |
| CelPog Basics |
1. Who can I transact with using CelPog? |
| Celpog can be used with anyone with a cell phone. However, there are Privacy
settings which you can set under the Preferences tab which allow you to
limit its use. |
| CelPog Basics |
| 2. How do I add a friend? |
| Under the Search tab insert your friend's name, email, or cell phone number
in the search box. If your friend is already a CelPog user his/her name
will appear and you can click on the Invite button. If your friend is not
a CelPog user go to the Friends tab and enter an email or cell phone number.
CelPog will then send out an email or text message invitation. |
| CelPog Basics |
| 3. What are Nicknames and what are they
all about? |
| CelPog uses nicknames to make sending your text message
transaction easier. |
| When a new members signs up for CelPog they are given
a default nickname. You can modify or personalize your friends' nickname
at any time. Under the Friends tab click on their (blue) nickname.
Make your changes and click Change. |
Note: Nicknames are unique to your account so
the nickname you assign will only work from your login or cell phone. |
| CelPog Basics |
| 4. What are the Transaction Options? |
| Payment features - Actual funds are transferred |
| · |
Pay (or Pog) - Sends money to another CelPog account. |
| · |
Lend - Sends money to another CelPog account and registers
a debt owed to you. |
| · |
Repay - Sends money to another CelPog account and reduces
an existing debt. |
| · |
GRepay (Group Repay) - Takes money out of your account
and reduces your debt to a group. |
| Tracking Features - no actual money is transferred
|
| · |
IOU - Records a debt you owe. No money transfers. |
| · |
UOMe (You Owe Me) - Records a debt owed to you. No money
transfers. |
| · |
GOMe (Group Owes Me) - Records an expenditure you make
on behalf of a group. This amount is divided among the members of
the group and each member is shown as owing you money. No money transfers. |
|
| CelPog Basics |
| 5. How do I add money to my CelPog account
and how long does the process take? |
| · |
Under the Transactions tab choose either Transfer In
or Credit Card In. |
| · |
Select the appropriate bank account or credit card. |
| · |
Add the amount you want to transfer and an optional
description. |
| · |
Review the details of the transaction and insert your
PIN to complete the transaction. |
| Credit card transfers are credited immediately. |
| Bank transfers may take up to 2 - 3 days for the transfer
to be completed. |
|
| CelPog Basics |
| 6. To what number do I send my text
message command? 607-455-5555 or x@celpog.com? |
| Cell phone carriers operate using either CDMA technology
or GSM technology. |
| · |
If you use CDMA (Verizon, Sprint, Alltel) then you have
the option of sending your text message to the phone number or the
email address (we suggest x@celpog.com because it makes the process
a little faster). |
| · |
If you use GSM (AT&T, Cingular, T-Mobile) then you
must use the 607-455-5555. |
| Either way we suggest that you save CelPog as one of
your contacts for easy recall. |
|
| CelPog Basics |
| 7. How do I pay a friend? |
| By Text Message |
| |
Text to 607-455-5555 with the following message: |
| |
Pay Nickame/CellNumber/Email Amount Optional Memo |
| |
Examples: |
Pay John 7.50 Pizza |
| |
|
Pay 9174682478 7.50 Pizza |
| |
|
Pay John@gmail.com 7.50 Pizza |
| |
Both you and John will receive a reply message confirming
your payment and the transaction will be recorded on both yours and
John's account history. |
| Online |
| · |
Under Transactions select the "Send money to a
friend" option. |
| · |
Choose your friend and indicate the amount you want
to pay. |
| · |
Review the details of the transaction and if correct
insert your PIN and complete the transaction. |
|
| CelPog Basics |
| 8. How do I lend money? |
| By Text Message |
| |
Text 607-455-5555 with the following message: |
| |
Lend Nickame/CellNumber/Email Amount Optional Memo |
| |
Examples: |
Lend John 7.50 Pizza |
| |
|
Lend 9174682478 7.50 Pizza |
| |
|
Lend John @gmail.com 7.50 Pizza |
| |
Both you and John will receive a reply message confirming
his debt. |
| Online |
| · |
Under Transactions select the "Lend money to a
friend" option. |
| · |
Choose your friend and indicate the amount you want
to lend. |
| · |
Review the details of the transaction and if correct
insert your PIN and complete the transaction. |
| |
Note: Use this function only for recording a
loan, not a payment. |
|
| CelPog Basics |
| 9. How do I repay a loan? |
| By Text Message |
| |
Text 607-455-5555 with the following message: |
| |
Repay Nickame/CellNumber/Email Amount Optional Memo |
| |
Examples: |
Repay John 7.50 |
| |
|
Repay 9174682478 7.50 Pizza |
| |
|
Repay John @gmail.com 7.50 Pizza |
| |
Both you and John will receive a reply message confirming
the transaction. |
| Online |
| · |
Under Transactions select the "Repay money to a
friend" option. |
| · |
Choose your friend and indicate the amount you want
to repay. |
| · |
Review the details of the transaction and if correct
insert your PIN and complete the transaction. |
| Note: Use the Repay function only for repaying
an existing CelPog debt. |
|
| CelPog Basics |
| 10. What should I do if I don't get
a text message confirmation? |
| Most often this is a result of an entry error, in which case an error text message is sent to the originator of the transaction. However there are rare cases in which a text message fails to be delivered by your carrier. Send the exact same transaction text message a second time as CelPog's platform has a built in feature that rejects a second identical transactions within a two-hour time period. If the message was received twice you will receive two replies, one confirming the transaction and a second "duplicate transaction" error message rejecting the duplicate transaction. Remember, transactions originated online generate email confirmations, not text messages. |
| CelPog Basics |
| 11. What is a "duplicate transaction"
message? |
| Answers
As a safety feature the CelPog platform considers multiple identical transactions within a short time period (about two-hours) to be unintentional. The platform rejects subsequent transactions and sends out an error message. If you ever want to complete more than one transaction with the same friend within a short time period you will need to vary the amount; we suggest a penny. |
| CelPog Basics |
| 12. What are CelPog Groups and how
are they set up? |
| CelPog allows you to create groups with whom you share expenses on an ongoing basis and track shared expenses. It's great for roommates, share houses, clubs, fraternities and sororities. |
| To set up a group: |
| CelPog allows you to create groups with whom you share
expenses on an ongoing basis and track shared expenses. It's great
for roommates, share houses, clubs, fraternities and sororities. |
| To set up a group: |
| · |
Under the Groups tab the group administrator must creates
a name for the group, add a description of the group, and click Add. |
| · |
The administrator can then invite existing CelPog members
to be part of the group. They will receive an email invitation. Before
any member can become a member of the group they must accept the invitation. |
| Any group member can record charges to be shared by
the group. If Sandy spends $35 on house supplies she can text a "group
owes me" transaction as "GOMe 35 house supplies" and
the CelPog system will record that each of her 3 roommates owes her
¼ of the $35 she spent. The Group function tracks the group
spending and provides detailed reports of all expenses and payments. |
|
| CelPog Basics |
| 13. How do I record an expenditure
that is to be shared by my Group? |
| By Text Message |
| |
Text 607-455-5555 with the following message: |
| |
GOMe GroupName Amount Optional Memo |
| |
Example: |
GOMe house 75 groceries |
| |
Each member of the group will receive an
email confirming his debt. |
| Online |
| · |
Under the Transactions tab select the "Group
owes me" function. |
| · |
Choose your group and indicate the amount
owed. |
| · |
Review the details of the transaction and
if correct insert your PIN and complete the transaction. |
| Note: Cell phone GOMe transactions divide the
expenditure among all group members equally. Online transactions allow
you to identify the specific group members that you want to share
the expenditure. The GOMe function records debts but does not actually
transfer funds. |
|
| CelPog Basics |
| 15. How do I repay my debt to a Group? |
| By Text Message |
| |
Text 607-455-5555 with the following message: |
| |
Repay GroupName Amount |
| |
Example: |
Repay house 20 |
| Online |
| · |
Under the Transactions tab select the "Repay
a group debt" option. |
| · |
Choose your group and indicate the amount
you want to repay. |
| · |
Insert your PIN and complete the transaction. |
| Note: This function deducts funds from your account
and makes payment to other group members as follows: First to the
group member who is owed the largest amount by the group as a whole,
then any remaining amount is paid to the next member with the highest
total amount owed by the group, etc. |
|
| CelPog Basics |
| Advanced CelPog |
1. Can I transact with a person who
is not registered CelPog user? |
| Yes, if your friend is not a member you can still use the Pay, IOU, and UOMe functions. To do so you need to use a cell phone number or an email address to identify your non-CelPog friend. When you enter a transaction CelPog will register it as a "pending" transaction. Both parties will receive a confirmation message. The non-members message prompts them to open a CelPog account. Once your friend opens their CelPog account the transaction will be completed and it will appear in both your account histories. |
Note: You will not see pending transactions in your account
history until after your friend has signed-up and included the referenced
cell number or email. |
| Advanced CelPog |
| 2. Can I see my friend's friends? |
| Unless your friend's privacy settings restrict this
feature you can see your friend's friends. |
| · |
Under the Friends tab click on your friend's nickname. |
| · |
Their friends will appear and you will have the option
to invite them. |
|
| Advanced CelPog |
| 3. What if I don't want my friends'
friends to see me? |
| If you don't want to be seen by your friends' friends you can edit your
privacy preferences. Under the Preferences tab you can review your options
and choose the appropriate option. |
| Advanced CelPog |
| 4. How can I send bills to my friends? |
| If you feel it's time to send a reminder to friends
that owe you money you can send them a CelPog generated e-bill. |
| · |
Under the Friends tab you can see a listing
of all your friends. |
| |
- |
Friends that owe you money will have a positive number
under balance. |
| · |
Select the box next to a friend's nickname
and click Send Bill. |
| · |
Your friend will receive an email from Celpog
with a reminder. |
|
| Advanced CelPog |
| 5. How do I change my bank information? |
| · |
Under the Profile tab select Bank Account to access
your account information. |
| · |
Click Remove to delete your current account. |
| · |
Choose Add to identify a new account. |
|
| Advanced CelPog |
| 6. How do I use CelPog to administer
a large group like a summer share-house, fraternity, or sorority? |
| We'll set up the account for you. If you want to administer a formal group
with its own bank account the group administrator (who must be a CelPog
member) should send an email to groups@celpog.com and provide us with the
name of your organization and the email you want to use for the organization. |
| Advanced CelPog |
| 7. Can I set up a CelPog account for
my organization without a Cell Phone number? |
| Yes, but you will have to administer all group originated transactions
via the CelPog website. Individual members will be able to transact using
their cell phones or the website. |
| Advanced CelPog |
| CelPog SafeRide |
1. What is the difference between
a SafeRide account and a regular CelPog account? |
| · |
A SafeRide account is opened by an individual (typically
a parent) for use by others (typically children). |
| · |
Funds available for SafeRide are restricted and can
only be used for services with a SafeRide participating Taxi company. |
| · |
A CelPog account is typically established for individual
use. |
| · |
Funds in a CelPog account are not restricted and can
be used for a wide range of applications. |
| If you are already a CelPog user you can add SafeRide
services to your CelPog account by going to Profile/MobilesForSpecialApplications.
From there you can register other users who will be able to use SafeRide. |
| Once you have set up a SafeRide account you will have
access to the full range of administrative tools within the CelPog
website. |
|
| CelPog SafeRide |
| 2. How do I set up a SafeRide
account? |
| Go to www.CelPogSafeRide.com
and click on Sign Up. If you already have a CelPog account sign in
and go to Profile/MobilesForSpecialApplications. |
| For more details please review the Setup section above. |
|
| CelPog SafeRide |
| 3. Do I need to add myself as
a SafeRide user? |
| Yes. SafeRide only works with mobile numbers registered in the SafeRide
program. If you want the ability to use SafeRide yourself you will need
to include your information as one of the SafeRide users. You can do this
during the registration process or later by going to Profile/MobilesForSpecialApplications. |
| CelPog SafeRide |
| 4. How do I add funds to my SafeRide
account? |
| Under the Transactions tab choose either Credit Card
In or Transfer In. |
| · |
Select the appropriate bank account or credit card account. |
| · |
Insert the amount you want to transfer and an optional
description. |
| · |
Review the details of the transaction, insert your CelPog
PIN and complete the transaction. |
| Credit card transfers are credited immediately. |
| Bank account transfers may take 2 - 3 days to be completed. |
|
| CelPog SafeRide |
| 6. How do I arrange for a SafeRide? |
| · |
Call any of our participating taxi companies and order
a taxi. |
| · |
Tell the dispatcher that you will be using SafeRide
and provide them with your mobile phone number. |
| · |
The dispatcher will contact CelPog and confirm that
funds are available to pay for your ride. |
| · |
A Text Message will be sent to your mobile phone confirming
the payment. Be sure to save this message. You will be required to
show the taxi driver the confirmation Text Message on your phone. |
|
| CelPog SafeRide |
| 7. What are the costs for using
SafeRide? |
| When you use SafeRide the master account will be charged the normal taxi
fare plus a 15% gratuity plus a $1.00 contribution to DEDICATEDD. |
| CelPog SafeRide |
| 8. Who is responsible for providing
the actual transportation service? |
| When you use SafeRide you are being provided with transportation services
by your specific taxi company. CelPog and SafeRide only provide payment
services on your behalf and you agree that neither CelPog nor SafeRide shall
be responsible for any loss or damage as a result of the service, or lack
of service, provided by the taxi company. |
| CelPog SafeRide |
| General FAQ |
1. Do I have to read the Terms and
Conditions? |
| Yes. Please read the Terms and Conditions carefully. We need you to fully
understand CelPog's functions and limitations as well as our limitations
on liability. |
| General FAQ |
| 2. What fees does CelPog charge? |
| CelPog's service is offered free of charges. Please remember that when
you send or receive a text message your cell service provider may charge
you for their service. |
| General FAQ |
| 3. Can I use CelPog instead of my credit
card? |
| Your CelPog account should only be used in the same way as you might make
cash payments, not large transactions. CelPog is a free service intended
to be used only with friends that you know and trust. Like paying cash,
payments can not be reversed by CelPog once completed. We rely on your ability
to resole any problems directly with your friends and to make any necessary
adjustments directly. Credit cards provide many benefits and protections
which CelPog can not. We urge you to use credit/debit cards whenever you
are dealing with non-friends or for transactions that involve any significant
sums. Please review the Terms and Conditions for further details. |
| General FAQ |
| 4. How much of a balance should I keep
in my CelPog account? |
| We urge you not to keep a balance over $100 in your CelPog account because
your funds are not insured and we are not a bank. When making or receiving
payments we are acting as your payment agent with the expectation that you
will administer your account and transfer excess amounts to your bank account
in a timely manner. |
| General FAQ |
| 5. Does CelPog place limits on account
balances and transactions? |
| Yes, CelPog does place limitations on the size and number
of transactions to minimize the risk of abuse. To view your limits: |
| · |
Under the Profile tab click Transaction Limits and set
your personal preferences. |
| CelPog may place additional limits on your account for
your own safety. If you would like to have your limits raised please
contact CelPog's' customer support under Contact Us. |
|
| General FAQ |
| 6. What happens if I use CelPog to
pay for merchandise or a service and I am dissatisfied? |
| Using CelPog is the same as spending cash and you must exercise the same
level of caution. We strongly urge you to use a check, credit, or debit
card for any questionable purchases since they will provide you more protection.
Also, please be advised that funding your CelPog with a credit card does
NOT transfer any rights granted by your credit card to any purchase you
make using your CelPog funds. CelPog transactions are all cash transactions
irrespective of the manner in which the CelPog account is funded. |
| General FAQ |
| 7. Which bank handles CelPog's financial
transaction? |
| Your money is held in CelPog's master account at JPMorgan Chase Bank in
New York. JPMorgan Chase Bank handles all of CelPog's financial transactions
including the ACH transactions, those that transfer funds into, and out
of your CelPog account. |
| General FAQ |
CelPog
LLC