Your use of this Web site and your transactions conducted with FPCU in connection with this Web site are subject to the following terms and conditions, also referred to as “Terms of Use.” Clicking onto Web pages beyond this Web site’s homepage constitutes your acceptance of and agreement with the Terms of Use whether or not you complete a transaction with the company and whether or not you complete your transaction on the Web site or through other channels such as by phone, e-mail, facsimile or otherwise. If you do not agree to the Terms of Use, you may not use this Web site.

Web Site Ownership

This Web site is owned and operated by Financial Partners Credit Union, 7800 Imperial Highway, Downey, CA 90242.

Permitted Use

By using this Web site, you agree that:

  • Your use of this Web site is subject to and governed by these Terms of Use
  • You will only access or use this Web site and transact business with us if you are at least 18 years old
  • You will comply with and be bound by these Terms of Use as they appear on this Web site each time you access and use this Web site
  • Each use of this Web site by you indicates and confirms your assent to and agreement to be bound by these Terms of Use, and
  • These Terms of Use are a legally binding agreement between you and FPCU that will be enforceable against you

You agree that you will not use or attempt to use this Web site for any purpose other than conducting financial-related business with FPCU as a bona fide member of FPCU; you may not use or attempt to use this Web site or any part of this site for any purpose that:

  • Interferes with or induces a breach of the contractual relationships between FPCU and its employees
  • Is any way unlawful or prohibited, or that is harmful or destructive to anyone or their property
  • Transmits any advertisements, solicitations, schemes, spam, flooding, or other unsolicited e-mail or unsolicited commercial communications
  • Transmits any harmful or disabling computer codes or viruses
  • Harvests e-mail addresses from this site
  • Transmits unsolicited e-mail to this site or to anyone whose e-mail address is included under the domain name on this Web site
  • Interferes with FPCU’s network services or attempts to gain unauthorized access to its network services
  • Suggests an express or implied affiliation with FPCU without the express written permission of FPCU
  • Impairs or limits our ability to operate this Web site or any other person's ability to access and use this Web site
  • Uses any methods, means or devices to click onto this Web site or cause a visit to this Web site for the purpose of manipulating the results of any Internet search engine, or for any other purpose other than conducting financial-related business with FPCU as a bona fide member of FPCU
  • Unlawfully impersonates or otherwise misrepresents your affiliation with any person or entity
  • Harms minors in any way, including, but not limited to, transmitting or uploading content that violates child pornography laws, child sexual exploitation laws and laws prohibiting the depiction of minors engaged in sexual conduct
  • Transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images
  • Harms, threatens, harasses, abuses or intimidates another person in any way or involves images or content that depicts, promotes, encourages, indicates, advocates or tends to incite the commission of a crime or other unlawful activities
  • Dilutes or depreciates the name and reputation of FPCU or any of its affiliates
  • Transmits or uploads any content or images that infringes any third party's intellectual property rights or infringes any third party's right of privacy, or
  • Unlawfully transmits or uploads any confidential, proprietary or trade secret information

Access to This Web Site

FPCU reserves the right at all times, in its sole discretion and without notice to you, to deny your access to and use of this Web site.

Use of This Web Site

You agree and acknowledge that you have the sole responsibility and liability for your use of this Web site and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet services, and other products or services necessary or desirable for you to access and use this Web site.

Intellectual Property Rights

You acknowledge and agree that:

  • All content, Web pages, source code, calculations, products, materials, data, information, text, screens, functionality, services, design, layout, screen interfaces, "look and feel," and the operation of this Web site (collectively "Web Page Content") are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks, and
  • All rights associated with the Web Page Content are owned by FPCU, its licensors or content providers.

Furthermore, you acknowledge and agree that you do not acquire any ownership rights by downloading or viewing any Web Page Content. You further acknowledge and agree that you will not in any way copy, reproduce, publish, create derivative works from, perform, upload, post, distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web page, or alter the appearance of any Web Page Content.

You may not use Web Page Content, domain names (in whole or in part), or e-mail addresses related to or derived from this Web site, nor any data, trademarks, functionality, service marks, trade names, brand names and/or logos contained within or derived from this Web site, for any purpose; meaning that you may not, among other prohibited uses, use any Web Page Content, domain names, e-mail addresses, data, trademarks, service marks, trade names, brand names and/or logos on or derived from this Web site in or as part of a meta-tag or hidden text; as part of any contextual marketing directory, index, or triggering term; as content or advertising related to any other Web site including, but not limited to, comparative/informational Web sites; and/or as a variable or data element in any algorithm that causes another Internet browser to appear on, over, or at the same time FPCU's Web site or controls the content of any other Internet browser window.

You acknowledge and agree that all submissions to FPCU containing any comments, improvements, suggestions and ideas regarding this Web site will become and remain our exclusive property, including any future rights associated with such submissions, even if the provisions of these Terms of Use are later modified or terminated. This means that you forever disclaim any proprietary rights in such submissions, and you acknowledge FPCU’s unrestricted right to use, publish, and commercially exploit, identical, similar or derivative ideas originating from your submission, in any medium, now and in the future, without notice, compensation or other obligation to you or any other person.

You acknowledge and agree that all testimonials submitted to FPCU will become and remain our exclusive property, even if the provisions of these Terms of Use are later modified or terminated. This means that you irrevocably grant to FPCU the unrestricted right (now and in the future, without notice, compensation or other obligation to you or any other person) to use your statement, image, likeness, as they may be used, in any medium, in connection with an advertisement or for any other publicity purpose. You further agree that FPCU may use any percentage of your testimonial, image, likeness and/or works, in any way that it sees fit, and may exclude your name or use a ficticious name herewith.

Linking

For your convenience, this Web site may provide links to other Web sites on the World Wide Web. Unless expressly stated otherwise on this Web site, FPCU does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any Web sites to which this Web site may provide a link. By using this Web site, you acknowledge and agree that FPCU will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials.

User Ids and Passwords

Certain areas or features of this Web site may be restricted to users who have obtained a user identification and password by completing a registration process. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this Web site. You agree to notify FPCU immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this Web site by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this Web site that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.

Indemnification

If you make any unauthorized use of this Web site or violate the Terms of Use: (a) you may be in violation of copyright and other laws of the United States, as well as applicable state laws, and may be subject to penalties, and (b) you may be responsible for damages caused to FPCU. You agree to indemnify FPCU and its affiliates, vendors and licensors, and all of the employees, officers, directors, agents and representatives of FPCU and its affiliates, vendors and licensors, against, and to hold all of them harmless from, all costs, claims, damages, expenses or other losses, including attorney's fees and court costs, that arise from or are related to your use of this Web site and/or your breach / violation of or failure to comply with the Terms of Use.

Disclaimers

The Web Page Content on or available through this Web site are provided “as is” and without warranties of any kind, either express or implied. To the fullest extent permissible under applicable law, FPCU disclaims all warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. FPCU makes no representations or warranty regarding the Web Page Content or its use thereof. The Web Page Content on or available through this Web site could include inaccuracies or typographical errors and could become inaccurate because of developments occurring after their respective dates of preparation or publication. FPCU has no obligation to maintain the currency or accuracy of any Web Page Content on or available through this Web site.

FPCU makes no representations or warranty that the operation of this Web site will meet your any other user’s requirements; access to the Web site will be uninterrupted, timely, secure, or free of errors, viruses or other harmful components; or any defects in this Web site will be corrected. You agree that you, and not FPCU, will bear the entire cost of all servicing, repair, correction or restoration that may be necessary for your data, software programs or computer equipment because of any viruses, errors or other problems you may have as a result of using or visiting this Web site.

Application of Additional Terms

You acknowledge that certain features of this Web site, as well other products and services of FPCU, including those that may be available through this Web site, may be subject to terms, conditions and disclaimers in addition to these Terms of Use, and you agree that your use of such products and services will be subject to such additional terms, conditions and disclaimers.

Agreement to Provide Accurate Information

In making a product or service inquiry, application or in entering into any other transaction or request for information on this Web site, you agree to provide accurate, true, current, and complete information upon which FPCU may rely.

Governing Law

You agree that these Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these Terms of Use or the use of this Web site shall be filed only in the state or federal courts located in Los Angeles County, California, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.

Severability

You agree that if any provision of these Terms of Use shall be found to be unlawful or void, or for any reason unenforceable, then that provision shall be deemed severable from the other provisions of these Terms of Use and shall not affect the validity and enforceability of such other provisions.

Revisions and Modifications

You agree and acknowledge that we may revise or change these Terms of Use at any time, without notice to you, and you agree that you will be bound by the provisions of these Terms of Use as they appear on this Web site at the time you access this Web site. Because these Terms of Use may change, we encourage you to refer back often to these Terms of Use. In addition, you agree and acknowledge that all other content, services, products and materials on or available through this website are subject to updating and revision without notice to you. You further acknowledge and agree that individual modifications to the Terms of Use may not be altered by contract, unless expressly permitted in writing by FPCU.

Last revision date: November 1, 2011