Terms & Conditions

These website terms and conditions ("Terms & Conditions") govern your use of this site, which is provided by Community 1st Credit Union. By accessing this site, you are indicating your acknowledgment and acceptance of these Terms & Conditions. Subject to applicable law, the Terms & Conditions are subject to change at any time.

ACCESS TO THIS SITE

The services and transactions available electronically through our website is referred to as the "Electronic Services."

You will be asked to provide certain registration details and other information. It is a condition of your use of this site that all the information you provide on this site will be correct, current, and complete. Community 1st Credit Union may suspend or terminate your access to this site at any time for general maintenance, security and other reasons.

To access and print these Terms & Conditions and other pages, you need access to the Internet through an Internet Service Provider (ISP). You need an operating system (Microsoft® Windows 98 or higher, or Mac OS X Operating System or higher) and a browser (Netscape® 4.7 or higher, Microsoft® Internet Explorer 6. 0 or higher, or America Online Web Browser 6.0 or higher). Community 1st Credit Union is not responsible for any loss, damage or claim caused by your ISP, software, or computer communication equipment.

ELECTRONIC SIGNATURE AND ACCEPTANCE OF TERMS & CONDITIONS

You agree that when you use our website you are providing your tacit agreement or consent to our terms of use. Your agreement or consent will be legally binding and enforceable as an "electronic signature," and is the legal equivalent of your handwritten signature.

You agree to use our Electronic Services and the Community 1st Credit Union website in a manner consistent with all applicable law and in accordance with the Terms & Conditions and all agreements and disclosures ("Agreements & Disclosures") applicable to your Community 1st Credit Union Account and the transactions in which you are engaging.

UNAUTHORIZED USE OF YOUR REGISTRATION

If you believe that someone has used your Registration Information (including passwords, usernames, and screen names) to access this site or any Electronic Service without your authorization, please contact Community 1st Credit Union immediately at (800) 247-7328.

RESTRICTIONS ON USE

For your protection and the protection of our web site, you agree not to share your Registration Information with any one else. You are responsible for all acts or omissions that occur through the use of your registration information. You agree that you will not use any Community 1st Credit Union electronic communication feature for any purpose that is unlawful, tortuous, abusive, intrusive, harassing, libelous, defamatory, embarrassing, obscene, threatening or hateful. You agree that you will not collect or store personal data about other users.

You agree that you will not transmit any material that contains a virus or any other computer code, file, program or anything else that might interfere with the functionality of any computer software, hardware, telecommunications equipment or anything else.

With the exception of using web browser software, you agree that you will not access or log on to Community 1st Credit Union's computer systems, web site or software, or obtain, download, transfer or transmit any content to or from our computer systems, web site or software.

You agree that you will use this site and the Electronic Services only for personal, family or household purposes, and not for any business or commercial purpose.

AGREEMENTS AND DISCLOSURES

Community 1st Credit Union's Agreements and Disclosures applicable to your Community 1st Credit Union Account and the transactions in which you are engaging supplement these Terms and Conditions.

The Agreements and Disclosures may describe greater rights provided to you, pursuant to applicable law for specific types of transactions. To the extent that these Terms and Conditions conflict with such provisions provided to you by law, those provisions control.

INDEMNITY

You will indemnify and hold Community 1st Credit Union, its affiliates, vendors, directors, officers, employees, volunteers, and agents (the "Indemnified Parties") harmless from any breach of these Terms and Conditions by you or anyone accessing the site or effecting an Electronic Service through you. You agree to indemnify the Indemnified Parties against any and all resulting claims, damages, costs, and attorneys' fees.

DISCLAIMER

You understand and agree that Community 1st Credit Union does not guarantee or warrant that files available for downloading from the Internet will be free of viruses or other codes, files, programs or anything else that may manifest contaminating or destructive properties.

You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data. Community 1st Credit Union does not assume any responsibility or risk for your use of the Internet or this site.

Under no circumstances will Community 1st Credit Union be liable for any damage or loss resulting from failure of any equipment, communications or interconnection problems; actions or inaction of any third party; operator error; natural events; labor disturbances; or any cause over which Community 1st Credit Union does not have sole control.

YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. COMMUNITY 1ST CREDIT UNION DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.

COMMUNITY 1ST CREDIT UNION DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. COMMUNITY 1ST CREDIT UNION DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND COMMUNITY 1ST CREDIT UNION MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME SUBJECT TO APPLICABLE LAW. YOU, AND NOT COMMUNITY 1ST CREDIT UNION, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. COMMUNITY 1ST CREDIT UNION MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

LIMITATION ON LIABILITY

COMMUNITY 1ST CREDIT UNION AND THE INDEMNIFIED PARTIES WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR OTHER DAMAGES, EVEN IF COMMUNITY 1ST CREDIT UNION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, EXCEPT AS OTHERWISE REQUIRED BY LAW. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMMUNITY 1ST CREDIT UNION AND THE INDEMNIFIED PARTIES (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO COMMUNITY 1ST CREDIT UNION FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE, EXCEPT AS OTHERWISE REQUIRED BY LAW.

SECURITY

Community 1st Credit Union may monitor your password and require you to change it. If you use a password that Community 1st Credit Union considers insecure or inappropriate, we may terminate your access to the site and Electronic Services.

You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed to compromise security (e.g., password guessing programs, cracking tools or network probing tools) is prohibited.

YOU WAIVE AND HOLD COMMUNITY 1ST CREDIT UNION AND THE INDEMNIFIED PARTIES HARMLESS FROM ANY AND ALL CLAIMS RESULTING FROM ACTION TAKEN BY COMMUNITY 1ST CREDIT UNION, INDEMNIFIED PARTIES, OR LAW ENFORCEMENT AGENCIES TO INVESTIGATE ANY POSSIBLE OR ACTUAL MISUSE.

HYPER-LINKS

This site may be hyper-linked to other sites that may not be affiliated with or endorsed by Community 1st Credit Union. Community 1st Credit Union makes no representations or warranties about the content or accuracy of any hyper-links. Hyper-links are used at the user's risk. Using a hyper-link may identify you as a member of Community 1st Credit Union to the other site operator.

PROPRIETARY INFORMATION

The material and content accessible from this site (the "Content"), is the proprietary information of Community 1st Credit Union (or the third party providing the Content), and Community 1st Credit Union (or such third party) retains all right, title, and interest in the Content.

The Content may not be copied or used in any way without the prior written consent of Community 1st Credit Union (or such third party), except that you may print out a copy of the Content solely for your personal, family, household use. Any modification or use of the Content except as expressly provided in these Terms and Conditions is prohibited.