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Terms of Use

These terms explain how you can access and use the UNFCU website (“Website”). This includes all content, functionality, and services offered via the general or secured portions of the Website.

Please read these terms of use carefully. By accessing the Website, you accept and agree to abide by our Terms of Use and Privacy Policy. If you do not agree with these Terms of Use or the Privacy Policy, you must not access or use the Website. If you find the Terms of Use or the Privacy Policy unacceptable at any time, discontinue your use of the Website.

We may withdraw or amend the Website, these Terms of Use, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if all or any part of the Website is unavailable for any period of time. We may occasionally restrict access to all or some parts of the Website for reasons such as maintenance and updates.

Authorized use

As a user of the website, you must:

  • Be 13 years of age or older.
  • Ensure that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.
  • Ensure that you do not access the Website in locations that are prohibited under US law and regulations. These include laws and regulations issued by the Office of Foreign Assets Control.
  • Comply with all laws applicable to your use of the Website, and for all communications you send through the Website.

To access the Website or some of the resources it offers, you may be asked to provide certain registration information. It is a condition of your use of the Website that the information you provide is correct, current, and complete. You agree that all information you provide is governed by the Privacy Policy.

Prohibited uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You are prohibited from using the Website or related services in any way that:

  • Violates any applicable US federal, state, local or international law or regulation. This includes any laws regarding the export of data or software to and from the US or other countries.
  • Attempts to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website. This includes the server on which the Website is stored, or any server, computer or database connected to the Website.
  • Introduces any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.
  • Restricts or inhibits anyone's use of or security on the Website.
  • Otherwise attempts to interfere with the proper working of the Website.

Intellectual property rights

The Website content, features, and functionality include all information, software, text, images, video, audio, and the design, selection, and arrangement of this material. The Website content, features, and functionality are owned by UNFCU, its licensors, or other providers of the material. They are protected by US and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. The UNFCU name, logo, related names and logos, and solution names are trademarks of UNFCU, its affiliates, or licensors.

You may not copy, imitate, or use any of the above without our prior written consent. You may not use them in a manner that is disparaging to us or the service. You may also not display them in any manner that implies our sponsorship or endorsement. You may send us suggestions, ideas, notes, drawings, concepts, or other non-personal information through the Website. These are considered an uncompensated contribution of intellectual property to us and our licensors. They are not subject to any obligation of confidentiality on our part.

By submitting such materials to us, you automatically grant to us and our licensors a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, perform, display, and distribute the materials. You also grant to us and our licensors the right to create derivative works from such materials or incorporate the materials into any form, medium, or technology now known or later developed. You also warrant that all so-called "moral rights" in those materials have been waived. You warrant that you have the right to make these warranties and transfers of rights.

Informational use

Information presented on or through the Website is made available solely for general information purposes. Solutions described, as well as associated fees, charges, interest rates, and balance requirements are subject to change without notice. To the extent allowed by law, we do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is entirely at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by visitors to the Website.

Third party websites

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the content of those sites or resources. We accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk. You are subject to the terms and conditions of use for such websites.

Disclaimer of warranties

You understand we cannot guarantee that files from the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures to satisfy your requirements for anti-virus protection.

WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A TECHNOLOGICAL ATTACK, VIRUS, OR OTHER HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE. THIS INCLUDES ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE AS WELL AS YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED, OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF OUR WEBSITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.

Limitation of liability

IN NO EVENT WILL UNFCU, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES ARISING FROM YOUR USE, OR INABILITY TO USE THE WEBSITE. THIS INCLUDES ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES. THIS LIMITATION OF LIABILITY APPLIES TO ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES FOR CLAIMS RELATING TO, AMONG OTHER THINGS, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, AND LOSS OF DATA. THESE DAMAGES MAY BE CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Miscellaneous provisions

These Terms of Use are governed by the laws of the State of New York and US federal law. Any action brought in connection with these Terms of Use must be brought in a court of appropriate jurisdiction in the State of New York, County of Queens or New York.

You agree to defend, indemnify, and hold harmless UNFCU, its affiliates, licensors, and service providers against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) relating to your violation of these Terms of Use or your use of the Website or its content. This includes officers, directors, employees, contractors, agents, licensors, and suppliers from UNFCU, its affiliates and service providers, as well as their successors and assigns.

If any provision of these Terms of Use is held by a court or other competent authority to be invalid, illegal, or unenforceable for any reason, such provision will be eliminated or modified. The remaining provisions of the Terms of Use will continue in full force and effect. In case of conflict between any of the provisions of these Terms of Use and any of the other specific terms of use or agreements, the specific terms of use and agreements of those sections shall govern only to the extent there is a conflict.

Contact

If you have any questions or comments about these Terms of Use, please contact us.

EFFECTIVE DATE: 25 October 2019