Website Use Agreement

THIS VERSION IN EFFECT SINCE JULY 24, 2013


PLEASE READ THESE TERMS AND CONDITIONS WHICH GOVERN YOUR USE OF KCU’S WEBSITE. YOUR USE OF THIS WEBSITE WILL BE DEEMED TO CONSTITUTE YOUR ACCEPTANCE OF AND AGREEMENT TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, YOU MAY NOT USE THE WEBSITE.


1. Availability of Products and Services
The products and services described in this Website are only available in jurisdictions where they can be legally offered for sale.


2. Changes to these Terms and Conditions
In its discretion, KCU may supplement or change these terms and conditions from time to time, for any reason and without any prior notice or liability to you by posting revised terms and conditions on the Website. Each time you use the Website, you should check the date of these terms and conditions (which appears at the top of these terms and conditions) and review any changes since the last version. By using the Website after these terms and conditions have been revised, you accept and agree to be bound by the revised terms and conditions. If you do not agree with each provision of the revised terms and conditions you may not use the Website. You may not supplement or change these terms and conditions in any way.


3. Links to Third Party Sites
The KCU Website may contain images of and links to third party Websites (“Linked Sites”). The Linked Sites are not under the control of KCU and KCU is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. KCU is not responsible for web casting or any other form of transmission received from any Linked Site nor is KCU responsible if the Linked Site is not working appropriately. KCU is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by KCU of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites.

Any dealings that you have with third parties (including advertisers) using Linked Sites, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings are solely between you and the third party. KCU shall not be responsible or liable in any way for any part of such dealings. Any collection, use or disclosure of your personal information by the third party will be governed exclusively by the third party’s privacy policy and any consent or agreement between you and the third party relating to such collection, use or disclosure.

4. Privacy and Security
KCU uses data encryption and firewalls to maintain the security of the information it receives through the Website. Nevertheless, security and privacy risks cannot be eliminated. In order to protect your own security, you must access and use the Website using commercially available browser software (such as a current version of Netscape or Internet Explorer) that provides 128-bit encryption and SSL (Secure Sockets Layer) technology, and avoid using your browser software’s “save password” feature. Once you have initiated a session in connection with the Website, you must not leave the computer from which you have accessed the Website unless and until you have terminated the session and logged off the Website. When you complete a session, you are responsible for clearing your browser’s cache or temporary Internet files to ensure your personal information is not accessible to others.


5. Seek Personalized Advice
Except for Online Banking (including online applications and special requests), the Website is for informational or general illustrative purposes only. The Website is not guaranteed to be accurate, complete, or timely. The Website is not intended to be a comprehensive, detailed or personalized source of information about personal or business banking, finance, investment, insurance or financial planning issues, products or services. We encourage you to seek personalized advice from qualified professionals before making any banking, finance, investment, insurance or financial planning decisions based upon any information provided on or through the Website.

All KCU products and services are subject to the terms of the applicable agreements governing their use.


6. Use of Cookies
In order to provide better service, we will occasionally use a “cookie”. A cookie is a small piece of information that a Website stores on the web browser on your computer and can later retrieve. The cookie cannot be read by a Website other than the one that set the cookie. We use cookies for a number of administrative purposes. They let us store information that you have already told us, so we don’t have to ask you again. They also allow us to measure what parts of our site customers prefer to see, and what parts are less popular. Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact you via telephone, e-mail, or regular mail. You can set up your web browser to inform you when cookies are set or to prevent cookies from being set.


7. Use of Online Banking Services Restricted
Certain portions of the Website relating to on-line banking (“Online Banking”) may be accessed only by KCU members who have agreed to be bound by the applicable Account Service Agreement and to whom a personal access number has been issued.

 

8. Warranties and Limitation of Liability
Information and documents provided on this Website are provided “as is” without any warranty. KCU uses reasonable efforts to furnish accurate and up-to-date information on this Website; it does not, however, warrant its accuracy, adequacy, timeliness or completeness. Rates, fees and other information are subject to change at any time without notice to users and the posted rates and fees on the site may not immediately reflect such changes.

Your use of this Website is at your own risk. In no event will KCU, its suppliers, and the other parties involved in creating and delivering this Website’s contents be liable for any damages, losses or expenses of any kind arising from or in connection with this Website or its use or any person’s inability to use the site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, loss of data or otherwise, even if KCU, or its representatives, are advised of the possibility of such damages, losses or expenses.

No endorsement of any third party products, services or information is made or implied by any information, material or content referenced or included on, or linked from or to this Website.