Terms and Conditions of Emergency Responders Credit Union Internet Branch
Emergency Responders Credit Union ("we", "us", "our") requires that all the visitors
to our site on the World Wide Web (the "site") adhere to the following terms and conditions.
Accessing the Site or viewing any of its content shall constitute your acknowledge of and
agreement with these terms and conditions.
LAWS AND REGULATIONS
Except as specifically set forth in these Terms and Conditions, user
access to and use of the site is subject to all applicable international, federal,
state and local laws and regulations.
All information, including designs, content and images, contained on the
Site is owned by Emergency Responders Credit Union or CUconnections
and/or licensed to Emergency Responders Credit Union or CUconnections.
All information and content including software programs available on or used to
operated the Site ("Content") is proprietary to the respective owners.
Users are prohibited from modifying, copying, distributing, transmitting,
displaying, publishing, selling, licensing, creating derivative works or
using any of the Marks or Content available on or through the Site for
commercial or public purposes.
WEBSITE CONTENT/ USE OF INFORMATION AND MATERIALS
Information available on the Site is provided for informational purposes
only, as a courtesy to our members and visitors. Should you decide to take direct
action based on general financial content provided on this Site, please be aware
that you do so at your own risk. Every Site user has a different financial situation,
and what applies ideally to one customer may have adverse consequences for another
and you accept responsibility for all actions you take based on information provided
on the Site. Content on the Site may vary based on a user's demographics,
preferences or other designating factors. Also, all services and products may not
be available to all Site users. Your eligibility for particular products and
services is subject to our final determination and approval. No part of this
Site may be redistributed, copied, or reproduced without our prior written
consent. The information and material contained on the Site - and the terms
and conditions of access - are subject to change without notice.
ALL CONTENT, PRODUCTS AND SERVICE AVAILABLE ON OR THROUGH THE SITE,
ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED
INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND
FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY,
COMPLETENESS, ACCURACY OR FREEDOM FROM COMPUTER VIRUS. WE DO NOT ENDORSE
NOR ARE WE RESPONSIBLE FOR (A) THE ACCURACY OR RELIABILITY OF ANY OPINION,
ADVICE OR STATEMENT MADE THROUGH THE SITE OR A LINKED SITE BY ANY PARTY,
OR (B) THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED
FROM A LINKED SITE. OTHER THAN AS REQUIRED UNDER APPLICABLE CONSUMER
PROTECTION LAW, UNDER NO CIRCUMSTANCE WILL WE BE LIABLE FOR ANY LOSS OR DAMAGE
CAUSED BY A USER'S RELIANCE ON INFORMATION OBTAINED THROUGH THE SITE OR A LINKED
SITE, OR USER'S RELIANCE ON ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE.
IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS
OR USEFULNESS OF ANY OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH
THE SITE, OR OBTAINED FROM A LINKED SITE. PLEASE SEEK THE ADVISE OF PROFESSIONALS,
AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE, PRODUCT,
SERVICE, AND OTHER CONTENT.
LIMITATION OF LIABILITY FOR USE OF THE SITE AND LIKED SITES
IN NO EVENT WILL WE OR ANY OF OUR SUBSIDIARIES OR AFFILIATES AND ANY
OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE,
WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY INDIRECT,
PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING
WITHOUT LIMITATION LOST PROFITS, COST OR PROCURING SUBSTITUTE SERVICE OR LOST
OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE OR A LINKED
SITE, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS
LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY
VIRUSES WHICH MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC
EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS
(e.g., YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED
ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE
MAJEURE. WE CANNOT AND DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR
SECURE ACCESS TO THE WEBSITE.
CONFIDENTIALITY OF USER COMMUNICATIONS
Except as required by law and in accordance with our Internet Privacy
Statement, we will maintain the confidentiality of all user communications which
contain personal user information and which are transmitted directly to us. Postings
by a user on any message board or in any chat room will not be protected as
confidential and we may use and provide information contained in any such
postings (including any ideas, concepts, know-how or other intellectual
property) to any of our subsidiaries and/or affiliates for any purpose
whatsoever and as deemed appropriate by us. We make no promises with
respect to controlling discussions that may take place on any bulletin board,
chat room or other site communication device, but we do reserve the right to
monitor communications area, removing or modifying any material, at our sole
discretion. You should be aware that linked sites may contain confidentiality
provisions that differ from the provisions contained herein. We are not responsible
for such provisions, and expressly disclaim any and all liability related to
LINKED INTERNET SITES
We prohibit caching, unauthorized links to the Site and framing of
any Content available through the site. We reserve the right to disable any
unauthorized links or frames and specifically disclaim any responsibility
for the Content available on any other Internet sites linked to the Site.
Access to any other Internet sites linked to the Site is at the user's own
risk. You should be aware that linked Sites may contain rules and regulations,
privacy provisions, confidentiality provisions, transmission of personal
data provisions, and other provisions that differ from the provisions
provided on the Site. We are not responsible for such provisions, and
expressly disclaim any and all liability related to such provisions.
SECURE-AREA ACCESS/DATA TRANSMISSION
a user can only access secure areas of the Site pursuant
to the Online Access Agreement with a valid password related
to accounts held by us. Because of the site security system,
should a user attempt to access a secure area more than three
times using an invalid user ID or password, that user will be
locked out of the secure areas of the site. To regain access
the secure areas user must view our Online Access Agreement and
contact our Customer Service Office. Information within the
secure areas of the site will use at least 40-bit encryption
technology. The secure area will also secure sockets layer
technology. The information will be transmitted among various
secure computer systems in order to ensure that all automated
clearing house, debit, bill payments and account transfers are
made in a timely, efficient and secure manner.
CHANGES TO RULES AND REGULATIONS
We reserve the right to revise these Terms and Conditions at
any time and users are deemed to be apprised of and bound by
any changes to these Terms and Conditions.
VIOLATIONS OF RULES AND REGULATIONS
We reserve the right to seek all remedies available at law
and in equity for violations of these Terms and Conditions,
including the right to block access from a particular Internet
address to the Site.
ACCESS TO PASSWORD PROTECTED/SECURE AREAS
Access to and use of password protected and/or secure areas
of the Site is restricted to authorized users only. View Online
Access Agreement. Unauthorized individuals attempting to access
these areas of the Site may be subject to prosecution.
USE OF "COOKIE" FILE FEATURES
We reserve the right to store information on a userís computer
in the form of a "cookie" or similar file for purposes of
modifying the Site to reflect usersí preferences. Our Internet
Privacy Statement provides additional information regarding
our use of "cookies" as well as procedures for disabling cookies.
Users of this Site agree to submit to the laws of North Carolina,
USA and applicable federal law without regard to conflicts of laws principles.