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Terms of Use

Last Modified: April 21, 2025

1. Agreement

This Terms of Use Agreement (“Agreement”) is made by and between Community Financial Credit Union (“we,” “our,” “us,” or “Credit Union”), and you, the user (“you,” “your,” or “User”).

This Agreement contains the complete terms and conditions that govern your use of the CFCU.org website (“Site”).

Your use of this Site constitutes your knowledge, understanding, and acceptance of the Agreement, and your agreement to be bound by the Agreement. We may change, edit, modify, delete, revise, or update the Agreement from time to time without notice to you, and your use of this Site after any changes, edits, modifications, deletions, revisions, or updates are posted to the Site constitutes your agreement to comply with the posted Agreement. By using this Site, you represent and warrant that you are at least the age of majority in your state of residence. If you are not the age of majority in your state of residence, you do not have permission to use this Site.

2. Trademarks

The trademarks, trade names, trade dress, logos, and service marks (collectively, the “trademarks”) displayed on this Site are the registered and/or unregistered trademarks of Credit Union, or such third-party licensors that may own the displayed trademarks. Nothing contained on this Site or in the Agreement serves to grant to you, by implication or otherwise, any license or right to use any trademarks displayed on this Site without the written permission of Credit Union or such third-party licensors that may own the displayed trademarks.

3. Site Content and Copyright

The text, trademarks, logos, images, graphics, photos, video files, application functionality, or any other digital media, and their arrangement on this Site (“Content”) are all subject to patent, copyright, trademark, and other intellectual property protection. Content may not be copied for commercial use or distribution, nor may Content be modified, processed, or reposted to other websites. Access to and use of this Site are allowed solely for User information and communication with Credit Union. You may download copy or print the Content of this Site for your non-commercial limited use only. No right, title, or interest in any of the Content of this Site is transferred to you as a result of any downloading, copying, printing or use of this Site.

4. Copyright Infringement and Repeat Infringer Policy (Digital Millenium Copyright Act)

Pursuant to our rights under the Digital Millennium Copyright Act (“DMCA”), 17 U.S.C. § 512, we have designated a copyright agent to receive copyright infringement notices for claims of infringement related to materials found on this Site. Our copyright agent is the Community Financial Credit Union Legal Department. The agent can be reached at 877.937.2328, legal@cfcu.org, or via U.S. Mail at: Community Financial Credit Union, Attn: Legal Department, P.O. Box 8050, Plymouth, Michigan, 48170-8050.

DMCA Infringement Notification

If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our copyright agent with all the written information specified below. To be effective, your infringement notification must include the following:

  1. 1.An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  2. 2.A description of the copyrighted work that you claim has been infringed upon;
  3. 3.A description of where the material that you claim is infringing is located on the Site, including the current URL address;
  4. 4.Your address, telephone number, and email address;
  5. 5.A statement by you that you have a good-faith belief that the disputed use is unauthorized by the copyright owner, its agent, and/or the law; and
  6. 6.A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

Upon receipt of the written notification containing the information as outlined in the bullets above:

  1. 1.Credit Union will remove or disable access to the content that is alleged to be infringing;
  2. 2.Credit Union will forward the written notification to the alleged infringer; and
  3. 3.Credit Union will take reasonable steps to promptly notify the alleged infringer that we have removed or disabled access to the content.

DMCA Infringement Counter Notification

Pursuant to the DMCA, after the alleged infringer receives a notice of infringement from Credit Union, the alleged infringer will have the opportunity to respond to Credit Union with a counter notification (“counter notification”). To be effective, a counter notification must be a written communication provided to Credit Union’s designated copyright agent, and must include the following:

  1. 1.Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
  2. 2.A statement, under penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material in question;
  3. 3.Your name, address, and telephone number;
  4. 4.A statement that you consent to the jurisdiction of federal district court in district court for the judicial district in which the subscriber address is located, or if the subscriber’s address is outside of the United States, in any judicial district in which Credit Union may be found, and that the subscriber will accept service of process from the person who provided notification or an agent of such person; and
  5. 5.Your physical or electronic signature.

Upon the copyright agent’s receipt of a Counter Notification containing the information as outlined in the bullets above, the DMCA provides that the removed material will be restored or access re-enabled and we will comply with this requirement as required by law, provided that the designated agent has not received notice from the original complaining party that an action has been filed seeking a court order to restrain the subscriber from engaging in infringing activity relating to the material on our network.

If we receive multiple DMCA notifications from content owners related to your name and/or account, we reserve the right to treat you and/or your account as a repeat copyright infringer. In our sole discretion, we may suspend or terminate, without notice, any user that we determine is a repeat copyright infringer.

5. Prohibited Uses

In addition to other conditions as set forth in the Agreement, you are prohibited from using the Site or its Content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of this Site, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish (email fraud), pharm (web traffic redirection fraud), pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of this Site, other websites, or the Internet. We reserve the right to terminate your use of the Site for violating any of the prohibited uses.

6. Site Status

Please remember when reviewing information on this Site that such information may not represent the complete information available on a subject. In addition, subsequent events or changes in circumstances may cause existing information on this Site to become inaccurate or incomplete.

On occasion, information on this Site may contain errors, including, without limitation, typographical errors, inaccuracies, or omissions related to investment descriptions, or timeliness of account information. Credit Union reserves the right to, at any time without prior notice, correct any errors, inaccuracies, or omissions and to change or update information or cancel services if any information on the Site is inaccurate (including after you have submitted your order).

7. Disclaimer and Limitation of Liability

THE CONTENT PROVIDED ON THIS SITE IS PROVIDED “AS IS” AND “WITH ALL FAULTS.” CREDIT UNION MAKES NO WARRANTY OR REPRESENTATION, EITHER EXPRESS OR IMPLIED, AS TO ITS USE, AVAILABILITY, CONTENT ACCURACY, APPROPRIATENESS OR PERFORMANCE OF THIS SITE. AS A USER, YOU ASSUME ALL RISKS AND RESPONSIBILITIES FOR ITS USE OR NON-USE, AND CREDIT UNION MAKES NO REPRESENTATION THAT THE CONTENT APPEARING ON OR DOWNLOADED FROM THIS SITE IS COMPATIBLE WITH YOUR COMPUTER OR FREE FROM ERROR OR VIRUSES. NO CREDIT UNION EMPLOYEE, AGENT OR REPRESENTATIVE IS AUTHORIZED TO MODIFY OR AMEND THIS WARRANTY. TO THE EXTENT ALLOWABLE BY EXISTING LAW, CREDIT UNION DISCLAIMS ALL OTHER WARRANTIES, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THIS SITE AND ITS CONTENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR LIMITATION ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. CREDIT UNION RESERVES THE RIGHT TO ALTER OR REMOVE SITE CONTENT, OR SUSPEND OR TERMINATE YOUR USE IN ANY WAY, AT ANY TIME, FOR ANY REASON, WITHOUT PRIOR NOTIFICATION, AND CREDIT UNION WILL NOT BE LIABLE IN ANY WAY FOR POSSIBLE CONSEQUENCES OF THAT ACTION.

YOU ACKNOWLEDGE, BY YOUR USE OF THIS SITE: (1) THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK; (2) THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT THAT YOU USE IN CONNECTION WITH YOUR USE OF THIS SITE; AND (3) THAT CREDIT UNION WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF OR INABILITY TO USE OUR SITE, INCLUDING, WITHOUT LIMITATION, FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, COMPUTER VIRUS, OR NETWORK OR INTERNET FAILURE, OR INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL, COMPENSATORY OR CONSEQUENTIAL DAMAGES, LOST PROFITS AND/OR LOSS OF OR DAMAGE TO PROPERTY WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE STRICT LIABILITY OR ANY OTHER BASIS, EVEN IF A PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL CREDIT UNION’S TOTAL LIABILITY FOR ANY CLAIMS RELATED TO THIS SITE EXCEED FIFTY ($50) DOLLARS. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES. CREDIT UNION AND ITS AFFILIATES,’ AGENTS,’ LICENSORS’ AND SUPPLIERS’ DAMAGES IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

8. Indemnity

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD CREDIT UNION, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, CONTENT PROVIDERS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, DIRECTORS, AND CONTRACTORS (COLLECTIVELY, THE “INDEMNIFIED PARTIES”) HARMLESS FROM ANY BREACH OF THIS AGREEMENT BY YOU, INCLUDING ANY USE OF CONTENT OTHER THAN AS EXPRESSLY AUTHORIZED IN THIS AGREEMENT. YOU AGREE THAT THE INDEMNIFIED PARTIES WILL HAVE NO LIABILITY IN CONNECTION WITH ANY BREACH OR UNAUTHORIZED USE, AND YOU AGREE TO INDEMNIFY ANY AND ALL RESULTING LOSS, DAMAGES, JUDGMENTS, AWARDS, COSTS, EXPENSES, AND ATTORNEYS' FEES OF THE INDEMNIFIED PARTIES IN CONNECTION THEREWITH. YOU WILL ALSO INDEMNIFY, DEFEND, AND HOLD THE INDEMNIFIED PARTIES HARMLESS FROM AND AGAINST ANY CLAIMS BROUGHT BY THIRD PARTIES ARISING OUT OF YOUR USE OF THE INFORMATION ACCESSED FROM THIS SITE.

8. Disputes

If there is any dispute about or involving this Agreement, the Site, and/or any Content, you agree that any dispute shall be governed by the laws of the State of Michigan, notwithstanding any principles of conflicts of law. You specifically consent to personal and exclusive jurisdiction by and venue in the state and federal courts of Wayne County, Michigan in connection with any dispute between you and us arising out of or involving this Agreement, the Site, and/or any Content.

9. Miscellaneous

If any part of this Agreement is found by a court of competent jurisdiction to be unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. You agree that no joint venture, partnership, employment, or agency relationship exists between you and us as a result of this Agreement or your use of the Site. This Agreement constitutes the entire agreement relating to the subject matter hereof, and supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and us with respect to the Site. Notwithstanding the foregoing, you may also be subject to additional terms and conditions, posted policies (including but not limited to the Privacy Policy), guidelines, or rules that may apply when you use the Site and our other services. We may revise this Agreement at any time by updating this posting. You should review the Agreement from time to time to determine if any changes have been made to the Agreement. Your continued use of the Site after any changes have been made to this Agreement signifies and confirms your acceptance of any changes or amendments to this Agreement. Our failure to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. Any waiver of this Agreement by us must be in writing and signed by an authorized representative of Credit Union. The section titles in the Agreement are for convenience only and have no legal or contractual effect.