This Agreement, sometimes referred to as ‘Terms of Use’, comprises the terms governing your use of the loanliner.com platform (the “Platform”), which we use to offer you the ability to complete and submit a loan application online. By continuing to use the Platform, you accept and agree to the following terms and conditions, as the same may be revised from time to time:
- ‘We’, ‘us’, ‘our’ and ‘Credit Union’ refer to the Credit Union.
- You agree to use the Platform in a manner consistent with these Terms of Use.
- You may not transfer, sell, or otherwise assign your rights or obligations under this Agreement.
- We may terminate your access to and use of the Platform at any time.
- This Agreement incorporates the Privacy Statement set forth on this Platform as the same may be modified from time to time.
- You acknowledge that the Credit Union or its licensors own and hold all intellectual property and proprietary rights, title and interest in the Platform, and that your use of the same does not transfer any rights in the same to you. You agree:
- not to copy, reproduce, distribute, publish, display, perform, modify, or create derivative works from the Platform. You may only download material from this Platform for your own use as follows: you may make one machine readable copy and/or one print copy that is limited to occasional items of individual interest only. You may not remove or amend any trademark, copyright or other proprietary notice. Without limiting the generality of the foregoing, you may not distribute any part of this Platform over any network, nor sell or offer it for sale. You may not copy, de-compile reverse-engineer, disassemble, modify, or create derivative works of the Platform. Open Source software used in the Platform is provided in accordance with the terms of the applicable Open Source Software license, and Credit Union and its licensors are not a party to the same. We reserve all rights that are not specifically granted to you.
- That you are expressly prohibited from presenting the Platform in a setting created by you or a third party (e.g., through framing), particularly (but not exclusively) where that setting includes advertising or other materials that we have not expressly authorized to be displayed with the Platform.
- That any of your questions, comments, or suggestions for improvements regarding the Platform or the services that you email, post, or otherwise transmit to Us (your “Communications”) will become the property of the Credit Union. You hereby relinquish and assign to the Credit Union the worldwide, royalty free, right and title to run, use, re-use, implement, copy, display, and create derivative works from, those Communications, including any ideas, concepts, know-how, or techniques contained in your Communications for any purpose.
- All content and functionality displayed, provided, reproduced, or distributed by us on the Platform are for information purposes only and are not intended as, and are not a substitute for advice, including, without limitation, a professional’s advice on legal, tax, insurance or investment matters.
- If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You should not disclose it to any other person or entity. You also acknowledge that your account is personal to you. You should not provide any other person with access to this Website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
- We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.
- Where we provide or enable links to third party sites, we do so for information purposes only and we accept no liability for your use of the same.
- You will be responsible for all charges and obligations incurred, and liabilities for harm caused, and for all actions taken, through your use of this Platform.
- You agree to indemnify and hold us harmless from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from use of this Platform, including, but not limited to, any violation of this agreement, or the failure to fulfill any obligations relating to use of the Platform.
- You warrant that: you will not use any electronic communication feature of the Platform for any purpose that is abusive, tortious, intrusive on another’s privacy, harassing, libelous, defamatory, obscene, threatening, hateful, or otherwise unlawful; you will not post any materials that infringe on rights of third parties; and, you will not upload or transmit any virus or other malware.
- THIS PLATFORM AND ALL SOFTWARE AND SYSTEMS USED OR PROVIDED AS PART OF THIS PLATFORM ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE HEREBY SPECIFICALLY DISCLAIM ANY AND ALL REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE PLATFORM CONTENT, FUNCTIONALITY, OR MATERIALS PROVIDED BY US HEREUNDER, INCLUDING, WITHOUT LIMITATION OF THE FOREGOING, ANY WARRANTY REGARDING OWNERSHIP, ACCURACY, TIMELINESS, COMPLETENESS, AND AVAILABILITY, AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.
- TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, WE DISCLAIM LIABILITY, AND YOU AGREE THAT WE ARE NOT LIABLE, FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING OUT OF YOUR USE OF THE PLATFORM OR ANY WEBSITE WITH WHICH IT IS LINKED, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. THE FORGOING SHALL APPLY NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY REMEDY YOU MIGHT HAVE. No action, regardless of form, arising out of the transactions under this agreement may be brought by you more than twelve (12) months after the cause of action first arose.
- You and we agree, pursuant to the E-Sign Act (‘the Electronic Signatures in Global and National Commerce Act’, as it may be amended from time to time), to treat electronic tokens of assent from you and from us, as binding expressions of assent by you and by us to contracts.
- This Platform is offered and available to users who are 18 years of age or older and reside in the United States or any of its territories or possessions. By using this Website, you represent and warrant that (a) you are of legal age to form a binding contract for CUNA Mutual Group products and services, and (b) you meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.
- We may revise the Terms of Use from time to time by posting changes to this website. Any such revisions shall be effective when posted and made available for your review. Your continued use of the Platform following such changes is your expression of assent to the modified terms.
- These Terms of Use and ancillary agreements you have signed in connection with the use of the Platform contain the entire understanding between us with respect to any use of the Platform. Should any part of the Terms of Use be declared invalid or unenforceable by a court of competent jurisdiction, this shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been eliminated.