Chip - Very good questions...
a) I'm not aware of any data in the system that you do not have access to. Therefore, the answer is yes assuming the party you are trying to transfer to is able to accept the data. So, that really becomes a question for the receiving party.
b) Of course! One of the reasons you want to be set up with a cascading system is this very reason. In the event that there were ever an interruption of Epoch's services, your secondary billing option becomes primary until the issue is resolved. The MPA3 cascading software resides on separate servers.
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