Regarding Crowne Plaza, who provides Non-Bank Services, and what is the bank's responsibility and liability regarding these services?
Crowne_Plaza Franchise · 2025 FDDAnswer from 2025 FDD Document
- (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.
Bank is not responsible for, and has no liability to you in any way with respect to, Non-Bank Card transactions or Non-Bank Services.
- 8.7 BANK IS NOT LIABLE FOR NON-BANK CARD SERVICES. NOTWITHSTANDING ANYTHING IN THE AGREEMENT TO THE CONTRARY, BANK IS NOT RESPONSIBLE, AND SHALL HAVE NO LIABILITY, TO YOU IN ANY WAY WITH RESPECT TO NON-BANK CARD SERVICES.
Source: Item 23 — Receipts (FDD pages 100–424)
What This Means (2025 FDD)
According to Crowne Plaza's 2025 Franchise Disclosure Document, Non-Bank Services are provided to the franchisee by the Processor, not by the Bank. The Bank bears no responsibility and has no liability to the franchisee regarding these Non-Bank Services.
The agreement between the franchisee and the Processor covers Discover Card transactions, American Express Card transactions, and other Non-Bank Services. These services are subject to all the terms and provisions 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.
Furthermore, the document emphasizes that the Bank is not responsible and has no liability to the franchisee regarding Non-Bank Card transactions or Non-Bank Services. This is reiterated in multiple sections to ensure clarity.
This arrangement means that Crowne Plaza franchisees need to understand their agreements with both the Bank and the Processor, particularly concerning Non-Bank Services. Franchisees should direct all queries and issues related to Non-Bank Services directly to the Processor, as the Bank is explicitly excluded from any responsibility or liability in this regard.