|
|
|
For purposes of this Website Use and Privacy Policy only We (or Us and Our) is defined as IAA Credit Union, or its affiliates. The terms and conditions stated in this Policy are applicable to any use of this Website, regardless of how you accessed it.
Please read this Use and Privacy Policy carefully. By making use of this Website to transact business, apply for a loan, request or inquire about financial services, access your accounts, contact Us or request information from Us, you agree to be bound by the terms and conditions set out below and any additional terms and conditions set forth on individual pages of the Website. If you do not wish to be bound by this Use and Privacy Policy, do not continue to use or access this Website.
Your continued use of this Website constitutes your binding acceptance of this Policy, including any changes or modifications made hereafter. The updated, on-line version of this Policy shall supercede any prior version. By accepting and agreeing to this Policy, you represent that you have full power and authority to enter into and perform this agreement and that such ability is not limited or restricted in any way.
Product and Service Availability
IAA Credit Union is an Illinois chartered credit union authorized to conduct business in Illinois and other locations, as permitted by law. Membership in the IAA Credit Union is available to the following persons, including members of their immediate families and their qualifying organizations:
Employees of:
- Illinois Agricultural Association® and Affiliated Companies
- County Farm Bureaus® in Illinois
- American Farm Bureau Federation® and Affiliated Companies
- Farm Credit Services
Employees of the following companies who work in and around Bloomington, Illinois.
- Ralston Purina Company
- Cargill, Incorporated
- Corn Belt Energy Corporation
- Members of Illinois Agricultural Association®
- Customers or Agents of COUNTRY(sm) Insurance & Financial Services
- Patrons of GROWMARK, Inc. member cooperatives
- Spouses of persons who died while within the field of membership of this Credit Union
- Persons retired from the above-referenced companies
Products and services promoted through this Website are offered only to members of the IAA Credit Union, which is based in Bloomington, Illinois, USA. The descriptions of the various products and services contained in this Website are provided solely for general informational purposes. The information and descriptions contained herein are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services. Any loans, transactions, products or financial services offered or described on this Website are subject to the terms, conditions and exclusions in the actual contracts as agreed by Us.
Privacy Policy
Notice of Your Financial Privacy Rights
For purposes of Our Privacy Policy, "you" and "your" means the following types of members:
All of our consumer members who have a continuing relationship with us such as:
- Deposit account
- Loan account
- Credit card
- Safe deposit box
- Individual Retirement Account where We act as custodian
We will tell you the sources for nonpublic personal information we collect on our members. We will tell you what measures we take to secure that information. We first define some terms.
- Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
- An affiliate is a company we own or control.
- A nonaffiliated third party is a company that is not an affiliate of ours.
THE INFORMATION THAT WE COLLECT. We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us
INFORMATION WE DICLOSE ABOUT YOU. We do NOT disclose any nonpublic personal information about you to anyone, except as disclosed in this policy or as permitted by law.
CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION. We restrict access to nonpublic personal information about you to those employees and officials who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND FORMER MEMBERS. We do not disclose nonpublic personal information about former members, except as permitted by law.
AUTHORIZED SHARING - JOINT MARKETING. We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Interest Rate and Loan Information and Restrictions
Any rate quoted on this Website is not a contract, binder or agreement to loan funds or transact business. If an account or loan is issued to you, the terms will be based on the information, rates and rules in effect with Us at that time. Interest rates are subject to change without notice. To obtain an account, loan or credit agreement, you must submit an application to a qualified IAA Credit Union representative and receive approval through the regular IAA Credit Union process.
User Responsibilities
You are solely responsible for any information you provide Us or other users through your use of this Website, and you agree that information you provide will be accurate and will not a) infringe any third party’s copyright, trademark or other proprietary rights of publicity or privacy; nor b) be defamatory, libelous, otherwise threatening or harassing, or otherwise violate any applicable law or regulation. You may not use the Website to conduct any illegal business or activity.
Information you provide to the Website may be lost or destroyed, or may be edited or removed from the Website by Us. We are not responsible for the loss of such information. You should retain copies of all important information you provide to the Website.
You are responsible for keeping your password confidential. You agree that We are authorized to act on instructions given under your password or identification, even if you did not consent to the transaction submitted. You agree to notify us toll free at (800) 676-2541 about any unauthorized use of your password or breach of security applicable to your password, identification, or use of this Website.
IAA Credit Union operates a commercial Website, and financial transactions with Us are not intended for children. We do not knowingly collect or solicit any information from or about any children for marketing purposes through this Website.
Intellectual Property Rights
IAA Credit Union names, logos and marks are Our property. You are not authorized to use any IAA Credit Union name or mark in any advertising, publicity, or in any other commercial manner without Our prior written consent. All rights in and to the Website belong to IAA Credit Union. The Website and its content, aside from user contributions, are protected by copyright, both with respect to individual content and as a collective work and/or compilation, pursuant to U.S. copyright law, international conventions, and other copyright laws. You may not modify, publish, create derivative works from, distribute or otherwise exploit any of the Website’s protected content without Our prior written consent.
Limitation of Liability, Waivers and Disclaimers
YOU EXPRESSLY AGREE THAT USE OF THIS WEBSITE IS AT YOUR SOLE RISK. NEITHER IAA CREDIT UNION, NOR ANY OF ITS PARENTS, AFFILIATES, SUBSIDIARIES, ASSIGNEES, LICENSEES, OFFICERS, AGENTS, EMPLOYEES (KNOWN ALL TOGETHER HERE AS “IAA CREDIT UNION”) WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE.
THE WEBSITE IS OFFERED “AS IS” AND “AS AVAILABLE” WITH NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF SECURITY, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ALL WARRANTIES ARE DISCLAIMED.
IAA CREDIT UNION SHALL HAVE NO LIABILITY FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNTIVE DAMAGES SUFFERED BY YOU OR ANY OTHER PARTY AS A RESULT OF THE OPERATION, INABILTIY TO OPERATE OR MALFUNCTION OF THE WEBSITE, REGARDLESS OF WHETHER OR NOT ANY SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You waive any claim against Us based upon the quality or availability of the Website, regardless of cause. You acknowledge that any network communication or activity involves resources beyond Our control, including, without limitation, e-mail, file transfers, and information gathering, and is subject to risks inherent to the Internet and to communications generally. We make no representation that any data sent to or from, or residing at, Our Website or systems are safe from destruction, corruption, misdirection, or service interruption.
You agree that We shall not be liable for failure to provide services or access to this Website during any period in which it cannot perform due to any cause beyond Our control, including without limitation natural disaster, power failure, accident, labor controversy, act of God, or the intervention of any government authority.
Third Party Content
Our Website contains links to other Internet sites that are not maintained by Us (“Third Party Sites”). These links are provided solely for convenience. We make no warranties or representations about the contents of or any products or services offered by such Third Party Sites. We encourage you to read the terms and conditions of Third Party Sites prior to using them.
General
IAA Credit Union recognizes that financial service transactions involve complex financial and legal issues. Nothing on this Website is intended as a substitute for professional advice regarding legal, tax, or financial planning matters. You should consult a professional of your choice for individual advice tailored to your situation.
No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. No waiver shall be effective absent expressed written consent by an authorized representative of IAA Credit Union.
We reserve the right to access and disclose any information necessary to comply with applicable laws and lawful government requests, to operate Our systems properly, or to protect Us from harm or liability.
Governing Law and Severability
This Agreement shall be governed by the laws of the State of Illinois without regard to its conflict of law provisions. If any provision of this Agreement should be invalid under applicable laws, such provision shall be ineffective to the extent of such conflict without affecting the remaining provisions of this Agreement.
© 2008 IAACU
|
|
|
60 Month Certificate 4.00%
APY
|
|
|
|
|
Online
banking has
never been so easy.
|
|
|
|
|
|
Discover the benefits of being a member.
|
|
|
|
|
|
ESI
EHL
