BY ACCESSING AND USING THIS SITE (THE “SITE”) AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS CONTAINED HEREIN. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, DO NOT ACCESS OR USE THIS SITE, OR ANY PAGES THEREOF.

The Site is a service of Webtrust Credit Union Bank. The information on the Site is for informational purposes only. The Site describes the nature of Webtrust Credit Union’s activities and provides informative materials aimed at educating users, subject to the conditions described below, on the Site. Such descriptions are provided only to assist users in understanding products and services offered by Webtrust Credit Union and such descriptions do not replace or supersede the actual terms and conditions applicable to each such product or service which may be reviewed in our local branch offices or copies requested via email. The information on the Site is believed to be accurate, but Webtrust Credit Union does not warrant its completeness, timeliness or accuracy. Nothing contained herein is intended to, nor shall constitute legal, financial, or investment advise from Webtrust Credit Union.

Webtrust Credit Union does not represent that your use of any content at this site will not infringe on right of third parties. Any unauthorized use by you of the images displayed on the site may also violate the laws of privacy and is expressly prohibited.

Certain Content may be presented in a format employing encryption security or other technology designed to prevent the downloading of such Content. Anyone who defeats these security measures will be in violation of the Digital Millennium Copyright Act and may be subject to civil and/or criminal liability. See Pub. L. No. 105-304, 112 Stat. 2860 (1998).

Webtrust Credit Union Bank and Webtrust Credit Union.com are registered and unregistered trademarks and service marks of Webtrust Credit Union Bank. Webtrust Credit Union also claim rights in certain other trademarks and service marks contained in these web pages, and all goodwill related thereto. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners. Your use of these trademarks and service marks without the prior written permission of their respective owners is strictly prohibited.

Products and Services

The information, materials, products and services, and the terms, conditions, and descriptions on this web site are subject to change without notice. You are bound by any such changes. You should therefore periodically visit these pages and review the then current Terms and Conditions. Unauthorized use of, or tampering with, Webtrust Credit Union’s website and systems including but not limited to unauthorized entry into Webtrust Credit Union ‘s systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by Webtrust Credit Union. To the extent this Webtrust Credit Union site is construed as offering any Investment services, such Investment services are not bank deposits or insured by FDIC or any other entity, and are subject to investment risks, including possible loss of the principal amount invested.

Convenience Documents And Data

The Site may contain form legal documents and other data provided for the convenience of the users of the Site. Such documents and data are for convenience purposes only, and should not be construed as the offering or delivery of legal advice by Webtrust Credit Union or any other party. Before using any such document or data, you agree to consult independent legal counsel as to the advisability of using these documents or data in your particular circumstances.

Hyperlinks

The site may contain links to websites controlled or offered by third parties (non-affiliates of Webtrust Credit Union). Further, Webtrust Credit Union may not have reviewed the content posted by such third parties website. Your use of the hyperlinks on this web site to other Internet sites is at your own risk. Webtrust Credit Union is not responsible for, does not endorse, and is not responsible for the content or accuracy of third party sites hyperlinked from this web site and does not guarantee the products or services offered on third party sites. You should review the privacy statements of a web site before you provide any personal or confidential information. Third party websites may have a privacy policy different from that of Webtrust Credit Union and the third party website may provide less security than the Webtrust Credit Union site.

Any links to the Site from other websites must (i) receive prior approval in writing by Webtrust Credit Union, (ii) link to the homepage of the Site, (iii) not display the Content of the Site within a border or frame controlled by or displaying the Content of the linking page, and (iv) be promptly removed at the request of Webtrust Credit Union.

No Reliance On Any Advice Or Opinion

No opinion, advice, statement or other information (“Information”) contained or provided herein or hereby is intended or shall be construed as a legal opinion or a prediction of the performance of any security, fund, or obligation. Reliance upon any Information shall be at the sole risk of the user. Prior to the execution of a purchase or sale or any security or investment, or any action related thereto, you are advised to consult with your broker or other financial advisor and other professionals as appropriate. Neither Webtrust Credit Union, information providers or content providers shall have any liability for investment or other decisions based upon, or the results obtained from, the Information. Neither Webtrust Credit Union, information providers nor Content providers guarantee or warrant the timeliness, sequence, accuracy, or completeness of the Information. Nothing contained on the Site is intended to be, nor shall be construed as, investment or legal `advice. You hereby acknowledge that the Information is provided for informational purposes only and is not intended opinion purposes.

No Warranty

Webtrust Credit Union does not warrant the accuracy, adequacy, completeness or timeliness of the information, materials, products and services on this web site or the error-free use of this web site. Webtrust Credit Union does not guarantee that access to the site, the content, or information posted on the site will be uninterrupted or error-free, that the site will be free of viruses or that the site cannot be tampered with or maliciously accessed by third-parties. All information, materials, products and services “as is” and “as available” no warranty of any kind, express or implied, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus is given in conjunction with the information, materials, products and services. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusions of implied warranties.

Limitation of Liability

In no event will Webtrust Credit Union, its affiliates, information providers nor its content providers be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with the site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Webtrust Credit Union, or representatives thereof, are advised of the possibility of such damages, losses or expenses. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall our total liability to you for all damages, losses and causes of action (whether in contract, tort – including but not limited to negligence- or otherwise) exceed the amount paid by you, if any, for accessing this site.

Indemnity

You hereby agree to indemnify and hold Webtrust Credit Union and its affiliates and their respective directors, officers, managers, employees and agents harmless for all claims, losses and expenses (including attorneys fees and expenses) resulting from your access of or interaction with the Site, including but not limited to violations of these terms and conditions. You shall use your best efforts to cooperate with us in the defense of any claim. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

Submissions

All information submitted to Webtrust Credit Union via the Site shall be deemed and remain the property of Webtrust Credit Union and Webtrust Credit Union shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to the Site provides Webtrust Credit Union through the Site. Webtrust Credit Union shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Webtrust Credit Union entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Webtrust Credit Union’s responsibilities and obligations to customers in accordance with the Webtrust Credit Union Privacy Policy which is incorporated into and made a part of these Terms and Conditions.

Availability

The Site is not intended for distribution to, or use by, any person or entity local law or regulation. No software from this Site may be downloaded or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria or any other country to which the U.S. has embargoed goods; or (ii) to anyone on the U.S. Treasury Department’s Table of Deny Orders. By downloading or using the software, you represent and warrant that you are not located in, or a national or resident of, any such country or on any such list.

Additional Terms

certain sections or pages on the Site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

Governing Law

Use of the Site shall be governed by all applicable federal laws of the United States of America and the laws of the Commonwealth of Massachusetts without regard to conflict of laws provisions. The state or federal courts located in the Commonwealth of Massachusetts, Suffolk County, shall have exclusive jurisdiction over any claim arising out of or relating to these terms and conditions.

General

The provisions of these terms and conditions are severable. If any such provision is determined to be unenforceable, such unenforceability will not affect any other provision of these terms and conditions, and these terms and conditions will be construed as if such unenforceable provision had not been contained herein. No waiver by Webtrust Credit Union of any right under or provision of these terms and conditions will be deemed to be either a waiver of any other such right or provision or a waiver of that same right or provision at any other time. The terms of these terms and conditions shall be incorporated into and made a part of any other agreement entered into by Webtrust Credit Union and a user hereof.

Claim of Infringement

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to Service Provider’s Designated Agent. See Notice and Procedure for Making Claims of Copyright Infringement.

Notification must be submitted to the following Designated Agent:

(i) Service Provider(s): [insert provider name]

(ii) Name of Agent Designated to Receive Notification of Claimed Infringement: [insert agent name]

(iii) Full Address of Designated Agent to Which Notification Should be Sent: [insert address]

(iv) Telephone Number of Designated Agent: [insert telephone number]

(v) Facsimile Number of Designated Agent: [insert fax number]

(vi) Email Address of Designated Agent: [insert e-mail address]

To be effective, the notification must be a written communication that includes the following:

(i) A physical or electronic signature of the person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

(ii) Identification of the copyrighted work claimed to have been infringed, or multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;

(iii) Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;

(iv) Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;

(v) A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;

(vi) A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed