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As of 11-28-21

Website Terms of Use

Los Angeles Federal Credit Union ("Credit Union") maintains this World Wide Web site (the "Site") as a service to our members. PLEASE CAREFULLY READ THESE TERMS OF USE (“TERMS”) BEFORE USING THE SITE. BY USING THE SITE, YOU ARE AGREEING TO COMPLY WITH AND BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE EXIT THIS WEBSITE IMMEDIATELY. The term "us," "we" or "our" refers to Los Angeles Federal Credit Union. The term "you" refers to the user or viewer of the Site.

1. Copyright and Proprietary Rights

All of the pages and screens on the Site are owned and controlled by the Credit Union, except as otherwise expressly stated in writing, and are protected by U.S. copyright laws. The copyrighted and trademarked materials on the Site include, but are not limited to, the name “Los Angeles Federal Credit Union”, the text, design, software, images, graphics, source code, sound recordings and the content on the Site ("Credit Union Information"). You are authorized to view the information available on the Site for your informational purposes only. You may download copyrighted materials for your personal use only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of, or republish all or any portion of the Site for any commercial or public purpose without the Credit Union’s prior written consent.

2. Use of Credit Union Information

The Credit Union authorizes you to download or copy Credit Union Information, provided that you retain all copyright and other proprietary notices contained in the original materials on any copies of the materials and that you comply strictly with these Terms. You may not modify, edit, or take out of context Credit Union Information such that its use creates a false or misleading statement or impression as to the positions, statements, or actions of the Credit Union. Except as specifically permitted pursuant to these Terms, the Site is for your personal and non-commercial use. You acknowledge that any Credit Union Information on the Site is only made available or provided to you for informational purposes, and that the Credit Union does not guarantee the Information is comprehensive, accurate, or current. If you breach any of these Terms, your authorization to use Site automatically terminates and you must immediately destroy any downloaded or printed materials. Unauthorized use of the Site may give rise to a claim for damages and/or be a criminal offense.

3. Linking to the Site

You may not create a link to the Site from another website.

4. Links from the Site to other Web sites

The Site may contain links to third party websites. Although these links were established to provide you with access to useful information, the Credit Union does not control and is not responsible for any of these sites or their contents. The Credit Union is providing these links to you only as a convenience, and the Credit Union does not endorse or make any representations about using such third party sites or any information, software or other products or materials found there, or any results that may be obtained from using them. The Credit Union is not liable for any failure of products or services advertised on linked sites. If you decide to access any of the third party sites linked to the Site, you do this entirely at your own risk. The Credit Union is not responsible for the security or privacy practices of the linked sites. You agree to read and adhere to the policies and terms of use applicable to third party websites. Links to these sites from the Site may be discontinued by the Credit Union in its sole discretion at any time for any reason without notice.

5. Potential Disruption of Service

Access to the Site 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; or

            •any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of the Credit Union.

6. Your Activity on the Site

For your protection and the protection of the Credit Union network and Site, all activity on the Site may be monitored and recorded, and you agree that the Credit Union may do so. The Credit Union may monitor your use of the Site for purposes including but not limited to the Site and transaction security and usage tracking without prior notice to you. Further, you acknowledge and agree that the Credit Union is permitted to share or disclose any and all activity, as well as any information derived from your activity, on the Site, with its employees, agents, service providers, licensors, and other persons to the extent permissible under its Privacy Policy and applicable law. You agree that you will protect all information that allows for access to Site, as well as the computer, tablet, mobile phone, or other device used to visit the Site, including but not limited to passwords, or other login information.

7. You warrant and represent that your activities on the Site are not in violation of applicable law, or of the terms and conditions of any other agreements you have with the Credit Union.

LIMITATION OF LIABILITY THE SITE IS OFFERED ON AN "AS IS," "WHERE IS," AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND - WHETHER EXPRESS, IMPLIED, OR STATUTORY - INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. YOU ACKNOWLEDGE THAT THE CREDIT UNION AND ITS RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY SERVICE PROVIDERS, OR LICENSORS DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DOES THE CREDIT UNION MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS, OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SITE. THE CREDIT UNION DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES (THIS DOES NOT AFFECT ANY MANUFACTURER'S WARRANTIES THAT THE PROVIDERS OF THE LINKED SITES OTHERWISE OFFER). EXCEPT AS SPECIFICALLY PROVIDED IN THESE TERMS OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT THE CREDIT UNION IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE, OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, THE CREDIT UNION WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT OR INDIRECT, INCIDENTAL, EXEMPLARY, SPECIAL, CONSEQUENTIAL, ECONOMIC, OR OTHER DAMAGES ARISING IN ANY WAY OUT OF OR RELATING TO THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM, REGARDLESS OF WHETHER THE CREDIT UNION 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.

8. Governing Law and Venue

These Terms shall be governed by and construed in accordance with the laws of the State of California, U.S.A., without reference to any conflict of law principles. You hereby consent to venue in and jurisdiction of the state and federal courts sitting in the State of California.

9. Indemnity

You agree to indemnify, defend, and hold harmless the Credit Union and its officers, directors, employees, successors, affiliates, and assigns from and against any and all claims, demands, losses, liabilities, penalties, expenses, and any or other damages (including, without limitation, reasonable attorneys’ fees) directly or indirectly resulting from, relating to, or arising in connection with: (1) your breach or violation of these Terms; (2) your use of the Site; (3) any transactions or other activities you engage in with any third party service providers, third party merchant sites, or other third parties who are part of our affiliate program or who you access by or through the Site; (4) your infringement or violation of the intellectual property or other rights of third parties; and (5) your negligence or willful misconduct.

10. Change in Terms

The Credit Union reserves the right to change these Terms in whole or in part at any time without prior notice except as otherwise required by law or as otherwise agreed in writing. The most current version of the Terms will always be available to you by on the DISCLOSURES page accessible from the bottom of any page on the Site. If you find the Terms unacceptable at any time, you shall discontinue your use of the Site. By continuing to use the Site after the date of ANY CHANGE TO THESE TERMS, INCLUDING ACCESSING THE SITE, YOU AGREE TO BE BOUND BY THE RULES CONTAINED IN THE MOST RECENT VERSION OF THESE TERMS. THE CREDIT UNION MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS, OR SERVICES DESCRIBED HEREIN OR PROVIDED ON THE SITE 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 THE CREDIT UNION DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION, PRODUCTS, OR SERVICES. THE CREDIT UNION RESERVES THE RIGHT TO TERMINATE ANY OR ALL SITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO

THE USER.

11. Limitation of Claims

Any action or any claim against the Credit Union must be brought by the user within one (1) year following the date the claim first accrued, or shall be deemed waived.

12. Entire Agreement

These Terms constitute the entire and only agreement between us and you, and supersede all prior or contemporaneous agreements and understandings, express or implied, oral or written, except as herein contained, with respect to the Site, the content, products, or services provided by or through the Site, and the subject matter of these Terms.

13. Privacy Policy

Our PRIVACY POLICY , as amended from time to time, is incorporated herein by reference and shall be deemed a part of these Terms for all intents and purposes.

14. No Waiver

No waiver of any of the foregoing terms and conditions shall be effective unless it is in writing and signed by an authorized officer of the Credit Union, and no waiver shall be deemed to imply or constitute a continuing waiver of any other term or condition.