Terms of Use

Effective 5.4.2022

PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE WITHOUT LIMITATION OR QUALIFICATION AND, SUBJECT TO APPLICABLE LAW, ACKNOWLEDGE THAT ANY OTHER AGREEMENTS YOU MAY HAVE WITH CFCU ARE SUPERSEDED BY THESE TERMS OF USE TO THE EXTENT THAT CONFLICT EXISTS. YOUR USE OF THE WEBSITE IS ALSO GOVERNED BY ALL APPLICABLE LAWS AND REGULATIONS. THESE TERMS OF USE ARE SUBJECT TO CHANGE IN CFCU’S SOLE DISCRETION AND WITHOUT NOTICE TO YOU. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS OF USE POSTED TO THIS WEBSITE FROM TIME TO TIME AND YOU SHOULD VISIT THIS WEBSITE FROM TIME TO TIME TO REVIEW THE CURRENT TERMS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT ACCESS THIS WEBSITE.

For purposes of these Terms of Use, the terms “you” and “your” refer to the Website user.

Unauthorized use of Community First Credit Union of Florida (“CFCU”) Websites and systems, including but not limited to unauthorized entry into CFCU’s systems, misuse of passwords, posting of objectionable or offensive content or your unauthorized use of legally protected third party content, or misuse of any information posted to a site, is strictly prohibited.

You acknowledge that CFCU may disclose and transfer any information that you provide through this Website to (i) any of CFCU’s affiliates, agents or information providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate, and by using and providing information through this Website you agree to such transfers.

Use of this Website, including any patterns or characteristics concerning your interaction with it, may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording. You agree not to attempt to log on to the Website from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under sanctions may be obtained on the U.S. Department of the Treasury website.  Any attempt to log on to the Website from one of these countries may result in your access being restricted and/or terminated.

If you use CFCU’s Website or systems to access data related to any account(s) of which you are not the owner or authorized user as reflected in CFCU’s systems, you shall indemnify, defend, and hold harmless CFCU and all of its direct and indirect subsidiaries, officers, directors, employees, agents, successors, and assigns from any and all losses, liabilities, damages, and all related costs and expenses, arising from, relating to, or resulting (directly or indirectly) from such access. Further, without limiting CFCU’s rights or your obligations under any other provision of these Terms of Use, and notwithstanding the same, in the event of any actual or reasonably suspected unauthorized access to the personal information of a member/customer (including but not limited to customer/member names, addresses, phone numbers, bank and credit card account numbers, income and credit histories, and social security numbers) under your control or subsequent to and arising from your past exercise of control, direct damages in connection with any such breach will include the cost and expenses of investigation and analysis (including by law firms and forensic firms), correction or restoration of any destroyed, lost or altered data, notification to affected customers, offering and providing of credit monitoring, customers service, or other remediation services, and any related cost. CFCU’s rights to indemnity under this section are in addition to all other rights and remedies available at Law or in equity.

Any exercise by CFCU of its rights to indemnification shall be without prejudice to such other rights and remedies. You manifest your assent to this indemnity by accessing account data through CFCU’s Website or systems, notwithstanding the terms of any agreement you have with a member/customer or an account owner stating otherwise. This indemnity includes but is not limited to losses associated with (1) a data breach of your system(s) and (2) a data breach of the system(s) of any person or entity with whom you provided or shared CFCU member/customer account data.

Copyright Notices

The works of authorship contained in the www.communityfirstfl.orgWebsite (the "Website"), including but not limited to all products, services, programs, technology, logos, trademarks, service marks, design, text, sound recordings and images, are owned, except as otherwise expressly stated, by CFCU and may be the subject of intellectual property rights (including but not limited to copyright, trademark, or patent rights) owned by CFCU. Any such right that is not expressly licensed herein is reserved by CFCU. Images of people or places displayed on the Website are either the property of, or used with permission by, CFCU. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without CFCU’s prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of CFCU’s proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded. Any copy of material from this Website you make and distribute for any purpose must also include these Terms of Use. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes.   

Trademark Notices

Community First Credit Union of Florida, Community First Credit Union, Community First, and CFCU are the marketing names for the retail financial services activities of CFCU and its affiliates in the United States. The CFCU logo is a trademark of CFCU. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners. Nothing contained on the Website should be construed as granting by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Website without the written permission of CFCU.  Misuse of any trademarks, or any other content, displayed on the Website is prohibited.

Web Content and Materials

The information on this Website is for information purposes only. It is believed to be reliable, but CFCU does not warrant its completeness, timeliness or accuracy. The information on the Website is not intended as an offer or solicitation for the purchase of any security or any financial instrument.

The information and materials contained in this Website-and the terms and conditions of the access to and use of such information and materials-are subject to change without notice.

You agree that (i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with CFCU, and (ii) in circumstances where locations of the Website require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.

CFCU reserves the right, without notice and for any reason, to deny access to any user or users to all or any part of the Website.

CFCU OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND CFCU DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. CFCU RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO YOU. FURTHERMORE, BY OFFERING THIS WEBSITE AND INFORMATION, PRODUCTS OR SERVICES VIA THIS WEBSITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY CFCU TO ANY PERSON TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.

Web Tracking

You understand and agree that (a) CFCU tracks the Internet usage of all persons accessing the Website using “cookies” and other tracking methods and (b) CFCU uses a web tracking and analytics service to analyze such information. CFCU may use such information in accordance with these Terms of Use, the CFCU Privacy Policy, and applicable laws and regulations.

Our published mobile applications periodically collect, transmit, and use geolocation information for enabling features, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the mobile application is being used or not at all, depending on the End User’s selection. The End User can change his/her/their location permissions at any time in their device settings.

Potential Disruption of Service

Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:

• Hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment
• Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content
• Overload of system capacities
•  Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters
• Interruption (whether partial or total) of power supplies or other utility of service
• Strike or other stoppage (whether partial or total) of labor
• Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention
• Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of CFCU

Links to Other Sites

Links to non-CFCU websites are provided solely as pointers to information on topics that may be useful to you, and CFCU has no control over the content on such non-CFCU websites. If you choose to link to a website not controlled by CFCU, CFCU makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does CFCU warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. CFCU does not guarantee the authenticity of documents on the Internet. Links to non-CFCU sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. CFCU does not represent you if you enter into any transaction or any other business on any linked web site. Privacy and security policies of linked websites may differ from CFCU’s privacy and security policies. Your connection to any linked site is at your own risk.

Submissions  

Subject to applicable law, (a) apart from your personal information (which is addressed in the CFCU Privacy Policy), any communication or material you send to the Website, electronically or otherwise, including but not limited to data, questions, comments, suggestions, or submissions is and will be treated as non-confidential and non-proprietary; (b) anything you send to the Website may be used by CFCU for any purpose including but not limited to reproduction, transmission, disclosure, publication, broadcast, and posting; (c) by submitting material to the Website you irrevocably transfer and assign to CFCU, and forever waive and agree never to assert, any copyrights, "moral" rights, or other rights that you may have in such material; (d) CFCU is free to use, without obligation of any kind, any ideas, concepts, techniques, or know-how contained in any communication you send to the Website for any purpose whatsoever, including but not limited to developing, manufacturing, and marketing products and services; (e) by using the Website, you may submit, or CFCU may gather, certain limited information about you and your usage of the Website; and (f) subject to the terms of the CFCU Privacy Policy, CFCU is free to use such information for any purpose it deems appropriate.

Foreign Export

United States and foreign export control laws regulate the export and re-export of technology originating in the United States and such foreign countries. You will abide by these laws and regulations as applicable and will not transfer, directly or indirectly, by electronic transmission or otherwise, any content or software from the Website to or from any countries or foreign nationals in violation of such laws or regulations.

Privacy Policy

• CFCU's Privacy Policy
• CFCU's Online Privacy Policy

Email Communications

You acknowledge and agree that the Internet is considered inherently insecure.  Therefore, you agree that CFCU shall have no liability to you whatsoever for any loss, claim or damages arising or in any way related to CFCU’s response(s) to any email or other electronic communication which CFCU in good faith believes you have submitted to CFCU. CFCU has no duty to investigate the validity of or to verify any email or other electronic communication. CFCU may respond to an email communication provided by you to either the address provided with the communication or any other email address(es) provided to CFCU by you. Any email returned to CFCU as undelivered may be re-sent to you at any other email address that CFCU has in your file. Although CFCU has no obligation to do so, CFCU reserves the right to require authentication of emails or electronic communications. The decision to require authentication is in the sole discretion of CFCU. CFCU will have no obligation, liability or responsibility to you or any other person or company if CFCU does not act upon or follow any instruction to CFCU if a communication cannot be authenticated to CFCU’s satisfaction.

WARRANTIES, LIMITATION OF LIABILITY

THE WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE) IS PROVIDED "AS IS" "AS AVAILABLE". CFCU AND THIRD-PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE AND ITS CONTENTS. CFCU AND THIRD-PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND, EXPRESS, IMPLED OR STATUTORY, WITH REGARD TO THE WEBSITE AND ITS CONTENTS, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, CFCU WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND FILES AND YOUR BROWSER OR OTHER SITE ACCESSING PROGRAM. NOR WILL CFCU BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY YOU DUE TO CAUSES BEYOND CFCU’S CONTROL. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

CFCU AND THIRD-PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. FURTHERMORE, CFCU AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN WEBSITE, ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND YOUR FILES AND YOUR BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY YOU DUE TO CAUSES BEYOND CFCU AND ITS AFFILIATES' CONTROL. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING CFCU’S RESPONSIBILITIES AND OBLIGATIONS TO MEMBERS/CUSTOMERS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

SUBJECT TO APPLICABLE LAW, UNDER NO CIRCUMSTANCES WILL CFCU BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER CFCU HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE. CFCU SHALL NOT BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY YOU DUE TO CAUSES BEYOND THE CFCU’S REASONABLE CONTROL.

Enforceability, Waiver and Governing Law

In the event any of the terms or provisions of these Terms of Use shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired, and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms of Use shall be subject to any other agreements you have entered into with CFCU. Any failure by CFCU to enforce any of its rights under the Terms of Use or applicable laws shall not constitute a waiver of such right. Your access to and use of the Website, and the terms of this disclaimer are governed by the laws of the State of Florida. You and CFCU each submits to the exclusive jurisdiction of the courts of Duval County, Florida for all claims and actions arising out of these Terms of Use and waives and jurisdictional venue or inconvenient forum objections to such courts.

Questions

If you have any questions or comments, please contact us at Community First Credit Union of Florida, P.O. Box 2600, Jacksonville, FL 32232, www.CommunityFirstFL.org | CommunityFirst@c1cufl.org, or 904.354.8537 | 800.342.8416.

Rev. 5.22