Terms & Conditions
We are pleased to provide our mortgage internet website. It is provided subject to the following terms and conditions. Please read them carefully as any use of the website constitutes your agreement to all of them, including but not limited to our Online Privacy Statement. If you do not agree, please exit this website at this time.
License Grant and Use Restrictions; Your Indemnification
Our website is intended to provide members and borrowers ("you") easy access to information about our Organization ("we" or "us"). We grant you a nonexclusive, revocable license to copy or print an unaltered permanent copy of information on the website for your personal use, for non-commercial purposes only. You may not otherwise copy, modify, publicly distribute or display, perform, publish, license, create derivative works from, transfer, or sell anything obtained from this website. You agree that you will not alter any website information and will not use (or allow others to use) the website or any information obtained from it for any wrongful, unauthorized or unlawful purpose and agree to indemnify and hold Monterra Credit Union and its affiliates harmless from and against any loss, damage or expense (including any attorney fees) incurred because of any such use.
Privacy
We understand you are concerned about privacy. For information about how we treat information that you provide us through the website, please see our Online Privacy Statement which is incorporated into these Terms and Conditions.
Information Accuracy - NO WARRANTIES
All information is either generated by Monterra Credit Union or is obtained from sources believed by us to be accurate and reliable as of the date posted on the website. However, because of the possibility of human and mechanical error, delayed updates, as well as other factors such as the difficulty of securing a website from unauthorized alterations or the occurrence of a system breakdown or other unavailability, neither Monterra Credit Union nor any of its affiliates provide any representations or warranties regarding the website or any information in it. The website and all information is provided "AS IS" and with all faults, and we do not make any representations nor disclaimers regarding implied warranties of every kind, including warranties or any duties (if any) as to accuracy, timeliness, completeness, suitability, availability, merchantability, and fitness for any particular purpose, or lack of negligence or viruses. We do not provide any warranty against infringement or of quiet enjoyment, and make no express warranties.
Links to Other Sites
Our website contains hyperlinks to sites operated by third parties. When you click on the link, you will leave our website and go to the linked site. We are not responsible for the contents or use of the linked sites, and their terms and conditions apply.
Computer Virus Information
It is possible to contract a computer virus by using the Internet or materials downloaded from it. We cannot assure you that the website and any software (or other information downloaded from it) will be virus and/or problem free and disclaim any liability (if any) for viruses and similar problems. We attempt to keep the website virus free, but cannot assure you that its efforts will always be successful.
Security And Attribution
The information you send us is stored on computers that sit behind a firewall to shield it from the internet. Our firewall met all the standards required to receive certification by the International Computer Security Association. You communicate with our computer by using your computer's web browser. Some areas of our website are secured in order to obtain personal information for customer transactions. We only support browsers that use Secure Sockets Layer ("SSL") 3.0 and Transport Layer Security ("TLS") 1.0. You may need to update your browsers occasionally to use the wensite. One level of security will be used on our website: 128-bit encryption. Encryption essentially establishes a secret code for your information that must be unscrambled to read. However, it is not foolproof.
SSL is intended to help ensure that:
The information you send us will not be read by others, and you are in fact dealing with Monterra Credit Union's website, instead of a website impersonating us. You can check this by verifying the Site Certificate Properties. Your information reaches us through SSL to help protect the contents of the message from any eavesdropping.
Web Access Authorization Codes ("Authorization Codes")
Authorization Codes provide access to your account via remote services and are for security purposes. It should not be stored on your computer and should not be the same as any of your other codes or passwords. You will be better protected if you change your Authorization Code(s) frequently and do not use the same Authorization Code for any other Internet site. DO NOT DISCLOSE OR OTHERWISE MAKE YOUR AUTHORIZATION CODE(S) AVAILABLE TO ANYONE. IF YOU AUTHORIZE ANYONE TO USE YOUR AUTHORIZATION CODE(S), THAT AUTHORITY MAY BE ATTRIBUTED TO AND OBLIGATE YOU.
If you are ever uncomfortable with reaching us electronically, you may instead use traditional methods of reaching us such as using the telephone, U.S. mail or visiting any of our Financial Centers (as long as the service is available through those methods).
Damages and Remedies are Limited and Exclusive
NO INCIDENTAL OR CONSEQUENTIAL CHANGES
To the full extent allowed by applicable law, you agree that neither Monterra Credit Union nor any of its affiliates will be liable to you and/or any third party for any consequential or incidental damages (including but not limited to lost profits or lost opportunity), or any other indirect, special, or punitive damages whatsoever, that arise out of or are related to the website, or any use of it or information in it, even if Monterra Credit Union or any of its affiliates have been advised of the possibility of such damages. This exclusion of damages includes damages claimed in any cause of action, including but not limited to legal or equitable proceedings and claims relating to contract, and tort products liability.
LIMITATION ON DAMAGES AND EXCLUSIVE REMEDY
You agree that your recovery for any damages that you incur shall be limited, at Monterra Credit Union's election, to: (1) a refund of any amount (if any) you paid for information from the website or for any use that caused a problem, or (2) correction or replacement of the information.
