Legal

Introduction

This document outlines the terms and conditions that govern your use of fedecu.com (the "Website") and provides additional information regarding Federated Employees Credit Union, its affiliates, and subsidiaries ("Federated Employees Credit Union," "We," "Our"). Your use of this Website is conditioned upon acceptance of these Terms of Use. If you do not agree to the terms below, please do not use this Website or send e-mail to anyone at fedecu.com. You agree to regularly review these terms and conditions and agree that continued use of this Site following any changes will constitute acceptance of such changes.

For users of the Website who are only accessing public information, your use of the Website shall be deemed acceptance of these Terms of Use.

Federated Employees Credit Union reserves the right, in its sole discretion, to modify without prior notice: 1) this Website, including the content and design of this site, 2) the services provided on this Website, and 3) the Terms of Use. Your continued use of the site is acceptance of any changes to the Terms of Use.

Use of Website

Federated Employees Credit Union owns and operates this site and the materials located at this domain name (fedecu.com) for your use. This site is directed to persons and entities conducting business in the United States. It is not directed at any person or entity for whom our services or products are unavailable or are otherwise contrary to laws or regulations, whether due to nationality, citizenship, residence, location, or otherwise. We do not warrant or represent that the content or materials contained in this site are available or appropriate outside of the United States.

You may not use this site to conduct illegal activity, including defamatory, libelous, malicious, or harassing behavior. Nor may you use this site to infringe upon another's intellectual property rights. You agree that the information you provide will be accurate and truthful.

Except as otherwise provided, you may view, use, download, or print small portions of the content of the Website for your informational, non-commercial use, provided you leave all copyright notices intact. You may not store, modify, reproduce, transmit, reverse engineer, or distribute significant portions of the content of this Website, or the design or layout thereof, except as otherwise provided. Some sections of the Website may be reproducible for enrolled users as provided below.

This Website provides general information about Federated Employees Credit Union's products and services. The materials and information are not a complete description of the terms and conditions of a particular product or service. Federated Employees Credit Union is not engaged in the rendering of legal or other advice. You are not a client of Federated Employees Credit Union merely by visiting this Website. Federated Employees Credit Union does not intend to provide information on this Website to suit your specific circumstances and needs. Please contact a Federated Employees Credit Union to further discuss your needs.

We take measures to provide you with accurate information. If you believe that any personal information we have about you or your dependents is not accurate, please let us know by contacting the Federated Employees Credit Union.

Privacy Policy

Federated Employees Credit Union's Online Privacy Policy may be viewed online. Federated Employees Credit Union is committed to abiding by all laws regarding privacy and consumers' privacy interests. Changes to this Online Privacy Policy may be made at any time as provided above.

E-mail

E-mail submissions over the Internet may not be secure and are subject to possible interception by third parties. Consider this as you transmit messages over the Internet. You are not authorized to submit or transmit e-mails through the Website that: 1) are numerous, unsolicited, or commercial, 2) are defamatory, threatening, obscene, or harassing, 3) contain a virus, worm, Trojan horse, or other harmful component, 4) incorporate copyrighted or other proprietary material for which you do not have permission, or 5) violate other applicable laws.

It is not our practice to include personal or account information in standard e-mails that we may send to you over the Internet. To respond to you about personal matters, we may require communication by telephone or in some other manner to protect sensitive information.

Information You Submit

We use the information you submit to Federated Employees Credit Union by e-mail, through our Website, and other pages we may add periodically, to respond to your inquiries for information and services. Our use of this information is subject to our Online Privacy Policy. However, Federated Employees Credit Union reserves the right to disclose information it determines, in its sole discretion, to be necessary to satisfy any law, regulation, or governmental request or to avoid liability for Federated Employees Credit Union or any third party.


You agree to provide current, true, accurate information in connection with your use of this Website. You agree to not use a false or misleading name for which you are not authorized.

This Website may use "cookies" to store some personal preferences for your future use of our Website. Among other functions, cookies tell Federated Employees Credit Union whether you have visited the Website before. Cookies allow the Website to recognize you more quickly and provide you quicker access to the information you need.

Copyrights/Trademarks

The Federated Employees Credit Union logo, the terms Federated Employees Credit Union, and phrases such as Where you're Somebody Special®, among others as noted, as well as all logos and graphics using Federated Employees Credit Union's name are the intellectual property of Federated Employees Credit Union and may not be used without express written permission.

Except as otherwise noted, all materials on this Website, including text, graphics, design, layout, audio, and video are the property of Federated Employees Credit Union or are used with permission of third party licensors and are protected by copyright or other intellectual property laws. Except as provided above in section 2, you may not use, reproduce, transmit, or distribute any of the information or material on any other site, in the metatags of any other site, or in any other material. You are not permitted to modify, create derivative works, distribute, or otherwise use any material within this Website, except as provided herein.

Links

Federated Employees Credit Union provides links to other sites via this Website. These links are provided for your convenience only. Federated Employees Credit Union does not control and is not responsible for these sites, the accuracy of the content, nor the security of the sites.

You agree to contact Federated Employees Credit Union at fedecu.com to advise us that you are linking to our Website. You may not place Federated Employees Credit Union's pages in a frame on your own site. Nor may you attempt to pass off Federated Employees Credit Union content as your own. If you wish to republish a major portion of any Federated Employees Credit Union content, contact Federated Employees Credit Union at fedecu.com to obtain permission.

Disclaimer of Warranties

This Website and its content, including services, materials, information, and tools are provided to you "as is" without any warranty of any kind, express or implied, including, without limitation, the implied warranties of merchantability, accuracy, systems integration, non-infringement, and fitness for a particular purpose. Federated Employees Credit Union makes no warranty as to the accuracy, completeness, currency, or reliability of the content. Nor will Federated Employees Credit Union be liable for delay in updating the Web site. We do not warrant that the Website will operate error-free or uninterrupted. Any risk arising from the use or performance of the services, information, materials, software, or other items remains entirely with you, and Federated Employees Credit Union shall not be liable for any damages arising from your use of the Website.

Governing Law and Severability Provisions

This Website is governed by the laws of the State of Minnesota without giving effect to any principles of conflict of laws. If any provision of this agreement shall be held invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall remain intact and enforceable.

These Terms of Use apply to your use of this Website and do not change or alter any other contract or agreement you may have with Federated Employees Credit Union.

Termination

Federated Employees Credit Union reserves the right to terminate the right of any user to access the Website at any time, with or without cause, and without notice.

Changes to this Document

The content of this Website and these Terms of Use are subject to change without notice.

Limit of Liability
To the extent permitted by law, Federated Employees Credit Union disclaims liability, whether based in contract, tort, negligence, strict liability, or otherwise, for damages of any kind (including, but not limited to, direct, indirect, incidental, consequential, special, punitive, or exemplary damages) in any way arising out of functionality or use of this Website or its services, or any other link we provide to another site even if Federated Employees Credit Union is expressly advised of the possibility of such damages.

We will not be liable for any delay, difficulty in use, incompleteness of information, computer viruses, malicious code, loss of data, or compatibility issues that you may encounter while using this Website. You use this Website at your own risk. You assume full responsibility for using this site, which is provided without warranty of any kind, express or implied.

In the event the foregoing or any portion thereof is deemed unenforceable, Federated Employees Credit Union's aggregate liability for any cause of action arising out of or related to the use of the Website shall be limited to direct damages actually incurred up to $300.00. Since some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

Indemnity

You agree to indemnify, defend, and hold Federated Employees Credit Union harmless, and at our request, to defend us from and against all claims, demands, causes of action based upon or arising out of: 1) your use of the Website, 2) your violation of the terms and conditions of this Terms of Use, and 3) the infringement, by you or anyone using your password, of the intellectual property rights of any person or entity.

Additional Information about Federated Employees Credit Union

Federated Employees Credit Union conducts business in Minnesota. It's Home Office is located at 1929 S. Cedar Ave, Owatonna, MN 55060.

Not all products and services are available in all states. You may not be eligible for all products, and Federated Employees Credit Union reserves the right to determine your eligibility as permitted by law. Some products and services may be subject to specific terms and conditions. See the relevant portions of this Website for further information on specific products and services.

Federated Employees Credit Union is domiciled in the State of Minnesota.

FEDERATED EMPLOYEES CREDIT UNION SERVES EMPLOYEES AND RETIREES OF THE FEDERATED INSURANCE COMPANIES (“FEDERATED INSURANCE”) AND THEIR FAMILIES. FEDERATED EMPLOYEES CREDIT UNION IS AN INDEPENDENT CREDIT UNION WHOLLY OWNED BY ITS MEMBERS AND CHARTERED UNDER THE LAWS OF THE STATE OF MINNESOTA. YOU UNDERSTAND AND AGREE THAT THIS WEBSITE AND ITS SERVICES ARE PROVIDED BY FEDERATED EMPLOYEES CREDIT UNION, NOT BY FEDERATED INSURANCE OR ANY OF ITS AFFILIATES OR SUBSIDIARIES, WHICH ARE SEPARATE LEGAL ENTITIES, AND THAT THIS WEBSITE AND ITS SERVICES ARE NOT INTENDED TO BE AND DO NOT CONSTITUTE A SOLICITATION OF BUSINESS ANYWHERE ON BEHALF OF FEDERATED INSURANCE.