Disclosures

SITE LINK DISCLOSURES

Many of the sites accessed through Members Preferred Credit Union’s site will have disclosures, legal notices and privacy statements posted on their sites. If you have concerns of any kind please review these before providing information or using the sites.

At certain places on this Members Preferred Credit Union (Members Preferred Credit Union) site, live links’ to other Internet addresses can be accessed. Such external Internet addresses contain information created, published, maintained, or otherwise posted by institutions or organizations independent of Members Preferred Credit Union. Members Preferred Credit Union does not endorse, approve, certify or control these external Internet addresses and does not guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should be undertaken only after an independent review of its accuracy, completeness, efficacy, online privacy policy and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademarks, service mark, manufacturer or otherwise does not constitute or imply endorsement, recommendation, or favoring by Members Preferred Credit Union.

DISCLAIMER

By accessing this site, you agree to be bound by the following terms and conditions. Members Preferred Credit Union accepts no responsibility for decisions made by the user in regards to acting upon any content within these pages. While Members Preferred Credit Union makes every effort to present accurate and reliable information on this internet site, Members Preferred Credit Union does not endorse, approve, or certify such information, nor does it guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of such information. Use of such information is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. If you are a participant in the Online Banking accessed through this site you acknowledge that you understand you are responsible for the security of passwords and/or other data necessary to access your information and therefore will be responsible for any activity in your account utilizing that access data.

THIS SITE IS PROVIDED BY MEMBERS PREFERRED CREDIT UNION ON AN “AS IS” BASIS. MEMBERS PREFERRED CREDIT UNION MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, MEMBERS PREFERRED CREDIT UNION DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. MEMBERS PREFERRED CREDIT UNION WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL PUNITIVE AND CONSEQUENTIAL DAMAGES.

INTERNET BANKING CONSUMER DISCLOSURES POLICY

PURPOSE: The Electronic Signatures in Global and National Commerce Act (“E-Sign Act”) effective October 1, 2000 authorizes institutions to provide electronic disclosures if prior customer consent is properly obtained. The Federal Reserve Board has promulgated rules for which compliance becomes mandatory on October 1, 2001, for those institutions which elect to provide electronic disclosures.
STATEMENT: To the extent that this Institution uses electronic communications to contract for services and to provide consumer disclosures in electronic form, this Institution will properly obtain affirmative consent of the consumer and provide such disclosures in compliance with the E-Sign Act and the applicable Nation Credit Union Administration rules.

APPLICABLE LAW

This site is created and controlled by Members Preferred Credit Union in the State of Idaho, USA. As such, the laws of the State of Idaho will govern these disclaimers, terms and conditions, without giving effect to any principles of conflicts of laws. We reserve the right to make changes to our site and these disclaimers, terms and conditions at any time.

PARTNERS

All references to the term “partner” on this web site or on linked web sites, or in any printed materials mean that the party to whom is referred to as partner shares a mutual interest with us in our program and is supportive of our efforts. The use of the term does not mean that those referred to as partner or ourselves are authorized to bind either said parties contractually or to share profits or losses with us in our business and does not have anything in common with the term partner as defined in the Uniform Partnership Act. Change without Notice Rates, Prices, Options and Availability are subject to change without notice.

THE PATRIOT ACT

The USA Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity. Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more of the following types of identification: