Terms & Conditions

Terms & Conditions

Revised: January 5, 2009

We are pleased to provide the ICCU Internet site in the domain www.iccu.com ("Site"). It is provided subject to the following terms and conditions. (Please read them carefully, as any use of the Site constitutes your agreement to all of them, including but not limited to our Online and General Privacy Statements.) If you do not agree, please exit the Site at this time.


License Grant and Use Restrictions; Your Indemnification

Our Site is intended to provide members of ICCU easy access to information about ICCU. We grant you a nonexclusive, revocable license to copy or print an unaltered permanent copy of information on the Site for your personal use, non-commercial purposes only. You may not otherwise copy, modify, publicly distribute or display, perform, publish, license, create derivative works from, transfer or sell anything obtained from this Site.

You agree that you will not alter any Site information and will not use (or allow others to use) the Site or any information obtained from it for any wrongful, unauthorized or unlawful purpose and agree to indemnify and hold us and our affiliates harmless from and against any loss, damage or expense (including attorneys fees) incurred by them because of any such use.


Dispute Resolution and Jurisdiction

The content of this website is presented solely for your convenience and information. This website is controlled and operated by Idaho Central Credit Union at its headquarters in Bannock County, Idaho. ICCU makes no representation that its website is appropriate for use outside the state of Idaho. These terms and conditions shall be construed and enforced in accordance with the laws of the state of Idaho. Any dispute with respect to your use of this site must be first submitted to mediation at the Credit Union's headquarters in Bannock County, Idaho. Any action you, a third party or the Credit Union brings to enforce these terms and conditions shall be brought only in either the state or federal courts located in Bannock County, Idaho and you expressly consent to the personal jurisdiction of such courts. If any provision of these terms and conditions shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provision of these terms and conditions.


Privacy

We understand that you are concerned about privacy. For information about how we treat information that you provide us through the Site, please see our Online Privacy Statement, which is incorporated into these Terms and Conditions.


Information Accuracy - No Warranties

All information is either generated by us or is obtained from sources believed by us to be accurate and reliable as of the date posted on the Site. However, because of the possibility of human and mechanical error, delayed updates, as well as other factors such as the difficulty of securing a web site from unauthorized alterations or the occurrence of a system breakdown or other unavailability, neither we nor any of our affiliates provides any representations or warranties regarding the Site or any information in it. The Site and all information is provided "AS IS" and with all faults, and we make no representations and disclaim all implied warranties of every kind, including warranties or any duties (if any) as to accuracy, timeliness, completeness, suitability, availability, merchantability and fitness for any particular purpose, or lack of negligence or viruses.


Links to Other Sites

The Site contains links to other sites. Some of the links from our Site will take you off the iccu.com site to a third party or co-branded site where you may see the ICCU logo as well as the logo of another service provider. Third party and co-branded sites include, but are not limited to,: ADP, American Express, Annual Credit Report, CO-OP Network, Credit Union Auctions, Diebold, FTC Publications, Fuel Economy, Genworth Finanical, Google Maps, Harland, Idaho Housing and Finance Association, Identity Theft Resource Center, Local Area Realtors, Local Area Dealers, Privacy Rights Clearing House, RSA, Star Network, Visa and Web Carbook. Any information you provide to these third party and co-branded sites is collected by the service provider. Each of these third party and co-branded sites have separate privacy statements. Please be aware that ICCU can not be responsible for the privacy practices or content of other sites.

We also have links from iccu.com to fully branded service provider sites. As you view information on a fully branded site you will see a change in the URL but the pages appear as ICCU's and the service provider is not identified. All information collected on fully branded sites is used by ICCU only and is not shared or used for any purpose other than processing your application and providing the requested service, but may be transferred as part of an acquisition or an insolvency proceeding. Fully branded sites include, but are not limited to: Mortgage Loan Servicing (Mortgagebot) and Loan and Membership Applications (Appro).


Computer Virus Information

It is possible to contract a computer virus or other malicious code by using the Internet or materials downloaded from it. We cannot assure you that the Site and any software or other information downloaded from it will be virus or problem free and disclaims any liability (if any) for viruses and similar problems. We attempt to keep our site virus free, but cannot assure you that our efforts will always be successful.


No Incidental or Consequential Damages
To the full extent allowed by applicable law, you agree that neither we nor any of our affiliates will be liable to you and/or any third party for any consequential or incidental damages (including but not limited to lost profits or lost opportunity), or any other indirect, special, or punitive damages whatsoever, that arise out of or are related to the Site, or any use of it or information in it, even if we have been advised of the possibility of such damages. This exclusion of damages includes damages claimed in any cause of action, including but not limited to legal or equitable proceedings and claims relating to contract, tort products liability.


Limitations on Damages and Exclusive Remedy
You agree that your recovery for any allowable damages will be limited to those that you incur in actual reliance and shall be limited, at our election, to: (1) a refund of any amount (if any) you paid for information from the Site or for any use that caused a problem or (2) correction or replacement of the information. Any failure or unconscionability of any remedy does not affect the enforceability of the limitations on and exclusions of consequential, incidental and other damages, and you expressly agree that those limitations and exclusions are independent of the performance of any or all agreed remedies. All limitations will apply to all legal and equitable theories, including but not limited to contract, tort and products liability.


Changes and Availability
We reserve the right to change these terms and conditions from time to time, however, so you agree to check the Terms and Conditions periodically to make sure you remain comfortable with it. Each time you visit our Site, you agree to Check for Changes to Terms and Conditions. No changes proposed by you or us will be effective unless and until they appear in these Terms and Conditions. If you do not want to be bound by any changes, you must not use the Site after the effective date.

We also reserve the right to terminate the Site or your license, make access unavailable, and change the Site content, with or without reason or notice at any time. Accordingly, if you would like a copy of something that you are authorized to copy, you should copy it when you see it.


Copyright and Trademark Notices

All contents of this Site are: Copyright © 2009 ICCU and/or our suppliers, U.S.A. All rights not explicitly granted herein are reserved. Some product and company names mentioned herein may be the trademarks of their respective owners.


Contact us if you have questions or problems with this Site.


Copyright © 2009 ICCU. All Rights Reserved.