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UTELFCU WEBSITE

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VIRTUAL BRANCH ONLINE BANKING

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LOAN APPLICATION

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CREDIT UNION

HOURS

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EZ Card VISA®

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VISA® SCORECARD REWARDS

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IMPORTANT

PHONE NUMBERS

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FAMILY MEMBERSHIP ENCOURAGED!

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UTELFCU is your exclusive home-town financial institution!

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AUTO LOANS!

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 MORTGAGES!

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HOME EQUITY

LOANS!

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PERSONAL

LOANS!

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CONSOLIDATION

LOANS!

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VISA® CREDIT CARDS WITH SCORECARD REWARDS!!!

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This Credit Union is federally insured by the National Credit Union Administration

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Equal Housing Lender

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UTELFCU WEBSITE TERMS AND CONDITIONS

1. NOTICE. BEFORE USING ANY WEB PAGES OR INFORMATION CONTAINED HEREIN OR LINKED HERETO, YOU SHOULD CAREFULLY READ THE FOLLOWING DISCLAIMERS AND IMPORTANT TERMS AND CONDITIONS. THE SITE IS PROVIDED FOR INFORMATION PURPOSES ONLY. YOUR USE OF THE SITE CONSTITUTES YOUR AGREEMENT TO ALL TERMS AND CONDITIONS HEREIN. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE OR ANY WEB PAGES THEREIN.

2. AGREEMENT. This Agreement describes the terms and conditions which Utica District Telephone Employees Federal Credit Union (UTELFCU) allows access and use of the site operated by UTELFCU.

3. LIMITED LICENSE. UTELFCU grants you a non-exclusive, non-transferable, limited license to access, use and display the site and the information, graphics, content and materials thereon. You acknowledge and agree that the site and the content are protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws and are provided only for your personal, non-commercial use. You are also granted a limited license to print copies of any content posted at the site, but only for your personal, non-commercial use. Except as expressly provided above, all rights are reserved. You may not display the site, or any portion thereof, in frames (or any of the content via on-line links) without the express written permission of UTELFCU.

4. USE OF INFORMATION AND MATERIALS. The information and materials provided at the site are subject to change without notice. The information provided at the web site UTELFCU is for informational purposes only and is not intended to provide specific financial, tax, accounting or legal advice.

5. DISCLAIMERS. UTELFCU IS NOT RESPONSIBLE FOR ANY INACCURACIES, ERRORS (INCLUDING TYPOGRAPHICAL ERRORS) OR OMISSIONS, OR FOR THE RESULTS OBTAINED FROM THE USE OF THE SITE OR THE CONTENT. THE SITE, ALL CONTENT, LINKS AND ANY OF THE SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH NO GUARANTEE OF COMPLETENESS, ACCURACY (EITHER WHEN POSTED OR WITH THE PASSAGE OF TIME), TIMELINESS OR OF THE RESULTS OBTAINED THEREFROM, AND WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF TITLE, NON-INFRINGEMENT, PERFORMANCE, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR USE. IN ADDITION, UTELFCU MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES THAT THE SITE WILL BE SECURE, ACCESSIBLE CONTINUOUSLY AND WITHOUT INTERRUPTION, OR ERROR FREE. YOU AGREE THAT UNDER NO CIRCUMSTANCE WILL UTELFCU OR OUR AGENTS, BOARD OF DIRECTORS OR EMPLOYEES THEREOF BE RESPONSIBLE FOR OR LIABLE TO YOU OR ANYONE ELSE FOR: ANY CONTENT CONTAINED ON OR OMITTED FROM THE SITE; ANY PERSON'S RELIANCE ON ANY SUCH CONTENT, WHETHER OR NOT THE CONTENT IS COMPLETE, CURRENT OR CORRECT; ANY VIRUSES OR DEFECTS THAT MAY BE FOUND TO EXIST IN THE SITE, THE CONSEQUENCES OF ANY DECISION YOU OR ANY OTHER PERSON TAKES OR FAILS TO TAKE WHETHER OR NOT BASED ON CONTENT PROVIDED BY OR RESULTING FROM USE OF THE SITE. THE CONTENT, AND ANY ADVICE RECEIVED VIA THE SITE, IS NOT INTENDED, AND SHOULD NOT BE RELIED UPON, FOR PERSONAL, LEGAL, TAX OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOU'RE SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

6. LIMIT ON DAMAGES. UTELFCU AND OUR AGENTS, BOARD OF DIRECTORS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY LOSS OF PROFITS, LOSS OF USE, LOSS OF DATA, INTERRUPTION OF BUSINESS, NOR FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES OF ANY KIND, WHETHER UNDER THIS AGREEMENT OR OTHERWISE ARISING IN ANY WAY IN CONNECTION WITH OR RELATED TO THE SITE, ANY SOFTWARE USED TO ACCESS THE SITE, ANY OF THE SERVICES AVAILABLE THROUGH THE SITE OR THE CONTENT, YOUR RELIANCE ON, USE OF OR INABILITY TO USE THE SITE, OR ANY ERROR, OMISSION, INTERRUPTION, OR DELAY IN OPERATION, OR ANY COMPUTER VIRUS OR SYSTEM FAILURE, REGARDLESS OF WHETHER SUCH CLAIM ARISES UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OR OTHERWISE AND REGARDLESS OF WHETHER UTELFCU IS ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSION OR LIMITATION MAY NOT APPLY TO YOU.

7. LINKS TO EXTERNAL OR THIRD PARTY SITES. As a convenience to you, UTELFCU may provide links to web sites operated by entities other than UTELFCU. These linked sites are not under the control of UTELFCU. If you use a linked site, you will leave the UTELFCU site. You use such a site at your own risk, and it is your responsibility to take all protective measures to guard against viruses or other destructive elements and understand the privacy policies of the linked site visited. UTELFCU makes no warranty or representation regarding, and does not endorse nor is it responsible for any linked site, the information appearing thereon or any of the products or services described at the linked site. Please note that a linked site may have a privacy policy different from UTELFCU and it may provide less security than an UTELFCU site. By providing a link to a site, UTELFCU does not imply that it endorses, is affiliated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the link, or that any linked site is authorized to use any trade name or logo of UTELFCU.

8. SUBMISSIONS. All information you submit to UTELFCU via the site will be considered to be the property of UTELFCU, and UTELFCU is free to utilize any information you submit for any purpose, subject to the privacy policy of. Further, you understand that any transmissions to and from this site are not confidential and may be read or intercepted by others. You agree that UTELFCU will not be responsible to anyone for any damages arising out of or in connection with any email sent to UTELFCU.

9. INDEMNITY. You agree to indemnify UTELFCU and its Board of Directors and employees against any liabilities, losses, expenses or other costs UTELFCU incurs arising from a breach of any of the terms hereof by you and for the content of any message sent using email.

10. SUSPENSION AND TERMINATION.UTELFCU may modify, terminate and/or suspend your access to the site, the related services or any portion thereof at any time, without notice. UTELFCU may also impose limits on certain features and services or restrict your access to parts or all of the site without notice or liability.UTELFCU may also, at any time, discontinue providing the site, or any part thereof, with or without notice.

11. AMENDMENTS AND MODIFICATIONS.UTELFCU reserves the rights to change, modify, add, or remove any portion of this agreement in whole or in part, at any time, by posting the amended terms on the site. The new terms shall automatically be effective at the time of posting. It is strongly recommended that you review the web site terms and conditions each time you use the site, and your use of the site will be subject to the web site terms and conditions posted at the time of that use. Your use of that site after the posting will be considered acceptance of any changes to the web site terms and conditions.

12. GOVERNING LAW. This agreement is governed by the laws of the State of New York, USA, without regard to its principles of conflict of laws. The site is not intended for distribution to, or use by, any person or entity, or any jurisdiction or country where such distribution or use would be contrary to local law or regulation, would subject UTELFCU to any liability or would not give effect to all of the provisions of this agreement. You may not access the site or the content where such access is illegal or prohibited or where such access would subject UTELFCU or its affiliates to any liability.

13. USE FOR ILLEGAL OR PROHIBITED ACTIVITIES. It is prohibited to use the site in violation of the terms of this agreement, in any manner which could damage, disable, interrupt, overburden, or impair the site or interfere with any other party's use and enjoyment of the site or for any illegal activities. Illegal activities include, but are not limited to, tampering with information data bases and software, unauthorized entry to other networks or computers, trafficking in illegal products or substances, disobeying trade restrictions, violating civil rights laws or knowledgeable vandalism or destruction of online files. You agree to comply with all applicable laws, rules and regulations regarding your use of the site, which regulate the distribution of materials and services originating in the United States of America.

14. AGREEMENT TO ARBITRATE. All disputes relating to this agreement, use of the site, or any information or services provided on the site, shall be subject to final and binding arbitration, with the losing party paying all the costs of arbitration. Any arbitration relating to this agreement shall be held in the County of Oneida, State of New York, under the rules of the American Arbitration Association.

15. COMPLETE AGREEMENT. This agreement constitutes the entire agreement between you and UTELFCU relating to your access and use of the site. UTELFCU's failure to insist at any time upon strict compliance with any term of this agreement, or any delay or failure on UTELFCU’s part to exercise any power or right given to UTELFCU in this agreement shall at no time operate as a waiver of such power or right. Any rights and powers given to UTELFCU in this agreement are not exclusive, and UTELFCU may exercise any other powers or rights which it has in law or in equity. The rights of UTELFCU may be exercised cumulatively, or separately, as UTELFCU may choose. The use of any captions in this agreement are for convenience only. If any portion of this agreement is deemed to be invalid or unenforceable, then the balance of the agreement shall remain enforceable, and the unenforceable portion of the agreement shall be read in such a way that it is enforceable.

16. PRIVACY POLICY. The privacy policy of UTELFCU is available for review here.