DISCLOSURE REQUIRED BY FEDERAL LAW
Please read this ELECTRONIC RECORDS DISCLOSURE AGREEMENT
This Electronic Services Agreement ("Agreement") between you and Daviess County Teachers Federal Credit Union states the terms and conditions of your use of DCTFCU's Electronic Services. Electronic Services means any and all of DCTFCU’s computer or mobile services or systems including, but not limited to, services and information accessible through DCTFCU’s Web Page and any other computer or mobile information system provided to you by DCTFCU, whether established by DCTFCU directly or through other providers. You also agree to abide by any rules, procedures, standards, requirements or conditions established by DCTFCU regarding use of its Electronic Services or electronic communications facilities that DCTFCU makes available. In offering its Electronic Services, DCTFCU is making available to you interactive computer services and/or automated telephonic services or systems that allow you:
A. to access your accounts with DCTFCU for the purpose of:
- i. making inquiries;
- ii. transferring funds from one account to another; and
- iii. to make loan payments on your loans with DCTFCU;
B. to arrange for DCTFCU to pay your monthly bills to third party vendors directly from your accounts; and
C. to obtain copies of your account statements and to obtain copies of checks that you have written; and
D. to apply for a loan.
Lastly, DCTFCU will provide electronic links to various service providers for your convenience. These services are provided to you via computer or telephonic transmission for use on compatible personal, home or small business computers, including Internet appliances with modems, terminals or network computers that can connect to a telecommunications network. You agree to use DCTFCU’s Electronic Services and any additional services offered by DCTFCU in the future only in accordance with this Agreement, DCTFCU may amend or terminate this Agreement upon notice from DCTFCU. Nothing in this Agreement should be construed as a solicitation or recommendation for you to buy or sell anything.
THERE IS NO WARRANTY OF MERCHANTABILITY, NO WARRANTY OF FITNESS FOR A PARTICULAR USE AND NO WARRANTY OF NON-INFRINGEMENT. THERE IS NO OTHER WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.
Limitations of Liability:
IN NO EVENT WILL DCTFCU BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES AND DAMAGES) THAT RESULT FROM INCONVENIENCE, DELAY OR LOSS OF THE USE OF THE ELECTRONIC SERVICES, EVEN IF DCTFCU HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. YOU AGREE THAT THE LIABILITY OF DCTFCU ARISING OUT OF ANY KIND OF LEGAL CLAIM (WHETHER IN CONTRACT, TORT OR OTHERWISE) IN ANY WAY CONNECTED WITH THE ELECTRONIC SERVICES WILL NOT EXCEED THE AMOUNT ORIGINALLY PAID FOR THE ELECTRONIC SERVICE.
Neither shall DCTFCU be liable for any loss resulting from a cause over which such entity does not have direct control, including but not limited to failure of electronic or mechanical equipment or communication lines; telephone or other interconnect problems; bugs, errors, configuration problems or incompatibility of computer hardware or software; failure or unavailability of Internet access; problems with Internet service providers or other equipment or services relating to your computer; problems with intermediate computer or communications networks or facilities; problems with data transmission facilities or your telephone or telephone service; or unauthorized access, theft, operator errors, severe weather, earthquakes or labor disputes. DCTFCU is not responsible for any damage to your computer, software, modem, telephone, or other property resulting from your use or the Electronic Services.
SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG IMPLIED WARRANTIES LAST, THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES OR THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES, SO THESE DISCLAIMERS AND LIMITATIONS MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.
No Legal or Tax Advice:
You acknowledge that neither the Electronic Services nor any of the information is intended as tax or legal advice. Although the Electronic Services provide access to numerous recommendations about how to invest and what to buy, none of these recommendations are developed or endorsed by DCTFCU. Access, Passwords and Security You will be responsible for the confidentiality and use of your access number(s), password(s) and account number(s). You will be responsible for all orders and transactions entered through and under your access number(s), password(s) and account number(s), and any orders so received by DCTFCU will be deemed to have been received from you. All orders and transactions shall be deemed to be made within a reasonable time after received by DCTFCU and in the form received. You agree immediately to notify DCTFCU if you become aware of: a. Any loss or theft of your access number(s), password(s) and account number(s); or b. Any unauthorized use of any of your access number(s), password(s) and account number(s), or of the Electronic Services or any information; or c. Any failure by you to receive a message that an order or transaction initiated by you through the Electronic Services has been received and/or executed through the Electronic Services; or d. Any receipt of confirmation of an order that you did not place, or any similarly inaccurate of conflicting report or information.
You acknowledge that data, including e-mail, electronic communications and personal financial data, may be accessed by unauthorized third parties when communicated between you and DCTFCU and other providers of information through DCTFCU’s Web Page, using the Internet, other network communications facilities, mobile device or any other electronic means. You agree to use software produced by third parties, including, but not limited to, "browser" software that supports a date security protocol compatible with the protocol used by DCTFCU. Until notified otherwise by DCTFCU, you agree to use software that supports the Secure Socket Layer (SSL) protocol or other protocols accepted by DCTFCU and follow DCTFCU’s log-on procedures for Electronic Services that support such protocols. You acknowledge that DCTFCU is not responsible for notifying you of any upgrades, fixes or enhancements to any such software or for any compromise of data transmitted across computer networks or telecommunications facilities, including, but not limited to, the Internet. Indemnification You agree to defend, indemnify and hold DCTFCU harmless from and against any and all claims, losses, liability costs and expenses (including but not limited to attorneys' fees) arising from your violation to this Agreement, state or federal securities laws or regulations, or any third party's rights, including but not limited to infringement of any copyright, violation of any proprietary right and invasion of any privacy rights. This obligation will survive the termination of this Agreement. Our Ability to Terminate Electronic Services DCTFCU reserves the right to terminate your access to the Electronic Services or any portion of them at its sole discretion, without notice and without limitation, for any reason whatsoever, including but not limited to the unauthorized use of your access number(s), password(s) and account number(s) and breach of this Agreement. In the event of a termination by DCTFCU, DCTFCU will refund the pro rata portion of any fee that may have been paid by you for the portion of the Electronic Services not furnished to you as of the date of such termination.
You will not use any electronic communication feature of the Electronic Services for any purpose that is unlawful, abusive, harassing, libelous, defamatory, obscene or threatening.
If you prefer to apply for membership in person or by mail an invitation to become a member is located on our website under Become a Member.
You acknowledge that, in providing you with the Electronic Services, DCTFCU has relied upon your agreement to be bound by the terms of this Agreement and any user or license agreement(s) related to or accompanying Electronic Services-related software. You further acknowledge that you have read, understand and agreed to be bound by the terms of (i) the user license agreement of any Electronic Services-related software, and (ii) any other agreement with DCTFCU that applies to your account(s), all as currently in effect and amended from time to time. This Agreement shall be governed by the law (but not the choice of law doctrine) of the state of Kentucky, regardless of whether you reside or transact business with DCTFCU in Kentucky or elsewhere.
This Agreement may be modified by DCTFCU upon written notice to you provided, however, that if DCTFCU sends you written notice, via electronic communication or otherwise, of a modification, you confirm your acceptance of the modification by not closing and/or by continuing to use your account.
- You must have a personal computer or other devices, which is capable of accessing the Internet.
- You must have an Internet Connection or some access to a provider.
- You must have a compatible Internet Web browser.
You must have software which permits you to receive and access PDF files (Portable Document), such as Adobe Acrobat
Reader. ( Available for downloading at:
). Your access to this page verifies that your system has the necessary
software to permit you to receive and access PDF files.
To retain a copy of the requested file your system must have the ability to either download (e.g., to your hard disk
drive or a copy of a floppy diskette) or print PDF files.