For Crowne Plaza, what entities provide Non-Bank Services?
Crowne_Plaza Franchise · 2025 FDDAnswer from 2025 FDD Document
Non-Bank Services: Products and Services provided pursuant to the Agreement, but not provided by Bank, including services for Cards ("Non-Bank Cards") and transactions that Processor sponsors and settles and Conveyed Transactions. Non-Bank Services are considered Services and are subject to the Agreement. For purposes of Non-Bank Services, the words "we", "our", and "us" refer only to Processor, not Bank
16.1 Services Provided by Bank, Conveyed Transactions, and Non-Bank Services.
(b) Non-Bank Services. Non-Bank Services are provided to you by Processor, not by Bank. Bank is not responsible for, and has no liability to you in any way with respect to, Non-Bank Services. The provisions of the Agreement regarding Discover Card transactions, American Express Card transactions, and other Non-Bank Services are an agreement solely between you and Processor. Non-Bank Services are subject to all terms and provisions of these Terms and Conditions. To the extent terms specific to a Non-Bank Service directly conflict with another provision of the Agreement, the terms specific to the Non-Bank Service will control with respect to such Non-Bank Service.
(f) American Express. American Express transactions are funded by American Express. American Express will provide you with its own agreement that governs those transactions. We are not responsible for and assume no liability with regard to the funding and settlement of American Express transactions. American Express will charge additional fees for the services it provides.
2.1 The Services. The term "Services" means the activities we undertake to authorize, process, and settle Card transactions undertaken by Cardholders at your Locations, and all other equipment, products, and services we provide under the Agreement. Subject to Card Organization Rules, Services may be performed by Servicers, only Processor, our Affiliates, our agents, or our service providers.
(e) Discover. Services provided for transactions made with Cards branded by Discover, Diners Club International JCB, Union Pay, BCcard, or any other Card Organizations subsequently designated by Discover (such Cards are "DNP Card Types" and such transactions are "DNP Transactions") are Non-Bank Services. Depending on your Merchant Account, DNP Transactions may be sponsored and settled by either Processor or Discover. DNP Transactions that Discover sponsors and settles are Conveyed Transactions.
(d) Fees. You shall pay us the fees for Conveyed Transactions and other Non-Bank Services as set forth on your Application, MPA Addendum, Fee Schedule, and/or other Schedules, or as we otherwise disclose to you. Fees for Non-Bank Services may be charged and collected in any manner that other Servicers Fees, Third Party Based Fees, and other amounts may be charged and collected under the Agreement.
Processor: FDS Holdings, Inc. or its successors and assigns. Except for Services provided by Servicers, the words "we," "us" and "our" refer to Processor.
Source: Item 23 — Receipts (FDD pages 100–424)
What This Means (2025 FDD)
According to the 2025 Crowne Plaza Franchise Disclosure Document, Non-Bank Services are provided to the franchisee by the Processor, identified as FDS Holdings, Inc., or its successors and assigns, and not by the Bank. The Bank bears no responsibility or liability regarding these Non-Bank Services. These services encompass transactions involving Discover Card, American Express Card, and other Non-Bank Services, and the agreement for these services is solely between the franchisee and the Processor.
Non-Bank Services are subject to the terms and conditions outlined in the agreement. In case of conflicts between terms specific to a Non-Bank Service and other provisions of the agreement, the terms specific to the Non-Bank Service will take precedence. The term 'Services' includes activities undertaken to authorize, process, and settle card transactions, and may be performed by Servicers, only Processor, their Affiliates, their agents, or their service providers.
Fees for Conveyed Transactions and other Non-Bank Services are detailed in the Application, MPA Addendum, Fee Schedule, or other schedules, and may be charged and collected in the same manner as other Servicers Fees, Third Party Based Fees, and other amounts under the agreement. Services provided for transactions made with cards branded by Discover, Diners Club International JCB, Union Pay, BCcard, or any other Card Organizations subsequently designated by Discover are considered Non-Bank Services. American Express transactions are funded by American Express, who will provide a separate agreement governing those transactions, with additional fees charged for their services.