Terms of Use

These terms and conditions of use apply to your use of the CUcontent.com website (the "Site"), and do not alter in any way the terms or conditions of any other agreement you may have with CUcontent.com , its subsidiaries or affiliates. By using this Site, you represent and warrant that you are over the age of 18 and are lawfully able to accept these terms and conditions. If you are using the Site on behalf of a credit union or any other entity, you further represent and warrant that you are authorized to accept these Terms and Conditions on the credit union's behalf, and that the credit union or other entity agrees to indemnify CUcontent.com for violations of these terms and conditions.

Ownership of the Site and its Contents

This Site is owned by CUcontent.com. Unless otherwise indicated, all of the content featured or displayed on this Site, including, but not limited to, articles, features, financial cartoons, text, graphics, data, photographic images, moving images, sound, illustrations, software, and the selection and arrangement thereof ("CUcontent.com Content"), is owned by CUcontent.com, its licensors, third-party partners, or is in the public domain. All elements of the Site, including CUcontent.com content, are protected by copyright, trademark and other laws relating to the protection of intellectual property.

Use of the Site

This Site and the CUcontent.com Content are intended for subscribers of CUcontent.com. You may not use this Site or the CUcontent.com Content for any purpose not related to your business with CUcontent.com. You are specifically prohibited from: (a) downloading, copying, or re-transmitting any or all of the Site or the CUcontent.com Content without, or in violation of, a written license or agreement with CUcontent.com; (b) using any data mining or siimilar data gathering or extraction methods; (c) manipulating or otherwise displaying the Site or the CUcontent.com Content by using framing or similar navigational technology; (d) registering, subscribing, unsubscribing, or attempting to register, subscribe, or unsubscribe any party for any CUcontent.com product or service if you are not expressly authorized by such party to do so; and (e) using the Site or the CUcontent.com Content other than for its intended purpose. Such unauthorized use may also violate applicable laws including without limitation copyright and trademark laws, the laws of privacy and publicity, and applicable communications regulations and statutes. You represent and warrant that you will comply with all applicable laws and regulations, including, without limitation, those relating to the Internet, data, e-mail, privacy, and the transmission of technical data exported from the United States or the country in which you reside or conduct business in.

Copyright Infringement Policy

In accordance with the Digital Millennium Copyright Act ("DMCA") and other applicable laws, CUcontent.com has adopted a policy of terminating, in appropriate circumstances and at CUcontent.com's sole discretion, individuals and entities who have infringed the intellectual property rights of CUcontent.com or any third party.

Copyright Complaints

If you believe that any material on the Site infringes upon any copyright that you own or control, you may file a notification of such infringement with CUcontent.com by contacting:

Copyright Agent

CUcontent.com Legal Department
P.O.B. 753
Edison, NJ 08818
Phone: (732) 905-0256
E-mail: subscriptions@cucontent.com

We may give notice of a claim of copyright infringement by means of a general notice on the Site, electronic mail to a user's e-mail address, or by written communication sent by regular mail to a user's address.

Trademarks

The CUcontent.com logo, and any other product or service name or slogan contained in the Site are trademarks of CUcontent.com and its suppliers or licensors, and may not be copied, imitated or used, in whole or in part, without the prior written permission of CUcontent.com. You may not use metatags or any other "hidden text" utilizing "CUcontent.com" or any other name, trademark or product or service name of CUcontent.com without our prior written permission. In addition, the look and feel of the Site, including all page headers, custom graphics, button icons and scripts, is the service mark, trademark and/or trade dress of CUcontent.com and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names and company names or logos mentioned in the Site are the property of their respective owners, or may be in the public domain. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by CUcontent.com.

Links

You may not use a CUcontent.com logo or other proprietary graphic of CUcontent.com to link to this Site without the express written permission of CUcontent.com. Further, you may not frame any CUcontent.com trademark, logo or other proprietary information, including the CUcontent.com Content, without CUcontent.com' express written consent. CUcontent.com makes no claim or representation regarding, and accepts no responsibility for, directly or indirectly, the quality, content, nature or reliability of third-party websites accessible by hyperlink from the Site, or websites linking to the Site. Such sites are not under the control of CUcontent.com and CUcontent.com is not responsible for the contents of any linked site or any link contained in a linked site, or any review, changes or updates to such sites. CUcontent.com provides these links to you only as a convenience, and the inclusion of any link does not imply affiliation, endorsement or adoption by CUcontent.com of any site or any information contained therein.

Registration Data and Account Security

In consideration of your use of the Site, you agree to: (a) provide accurate, current and complete information about your credit union and yourself as may be prompted by any registration forms on the Site; (b) maintain and promptly update the Registration Data, and any other information you provide to CUcontent.com, to keep it accurate, current and complete; (c) maintain the security of your password and identification; (d) notify CUcontent.com immediately of any unauthorized use of your account or other breach of security; (e) accept all responsibility for any and all activities that occur under your account; and (f) accept all risks of unauthorized access to the Registration Data and any other information you provide to us.

Indemnification

You agree to defend, indemnify and hold harmless CUcontent.com, its subsidiaries, affiliates, licensors, employees, agents, third party information providers and independent contractors against any claims, damages, costs, liabilities and expenses (including, but not limited to, reasonable attorneys' fees) arising out of or related to any Content that you post, store or otherwise transmit on or through the Site, your conduct, your use or inability to use the Site, your breach or alleged breach of the Site Terms or of any representation or warranty contained herein, your unauthorized use of the CUcontent.com Content, or your violation of any rights of another.

Disclaimer

THIS SITE AND THE CUcontent.COM CONTENT ARE PROVIDED "AS IS" AND CUcontent.COM AND ITS DIRECTORS, EMPLOYEES, CONTENT PROVIDERS, AGENTS AND AFFILIATES EXCLUDE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY WARRANTY, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY OR FITNESS FOR A PARTICULAR PURPOSE. CUcontent.COM WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE OR THE CUcontent.COM CONTENT, OR THE UNAVAILABILITY OF THE SAME, INCLUDING, BUT NOT LIMITED TO LOST INCOME, AND DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES. THE FUNCTIONS EMBODIED ON OR IN THE MATERIALS OF THIS SITE ARE NOT WARRANTED TO BE UNINTERRUPTED OR WITHOUT ERROR. YOU, NOT CUcontent.COM, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION DUE TO YOUR USE OF THIS SITE OR THE CUcontent.COM CONTENT. WE MAKE NO WARRANTY THAT THE SITE OR THE CUcontent.COM CONTENT IS FREE FROM INFECTION BY VIRUSES OR ANYTHING ELSE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES. CUcontent.com uses reasonable efforts to ensure the accuracy, correctness and reliability of the CUcontent.com Content, but we make no representations or warranties as to the CUcontent.com Content's accuracy, correctness or reliability. CUcontent.com offers a search feature within the Site. CUcontent.com explicitly disclaims any responsibility for the content or availability of information contained in our search index or directory. CUcontent.com also disclaims any responsibility for the completeness or accuracy of any directory or search result. Some US states and foreign countries do not permit the exclusion or limitation of implied warranties or liability for certain categories of damages. Therefore, some or all of the limitations above may not apply to you to the extent they are prohibited or superseded by state or national provisions.

Limitation of Liability

IN NO EVENT SHALL CUcontent.COM, ITS DIRECTORS, MEMBERS, EMPLOYEES OR AGENTS BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF INCOME OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THE SITE, THE SERVICES, THE CUcontent.COM CONTENT OR THE MATERIALS CONTAINED IN OR ACCESSED THROUGH THE SITE, INCLUDING WITHOUT LIMITATION ANY DAMAGES CAUSED BY OR RESULTING FROM RELIANCE BY USER ON ANY INFORMATION OBTAINED FROM CUcontent.COM, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAIL, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO CUcontent.COM'S RECORDS, PROGRAMS OR SERVICES. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF CUcontent.COM, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING TO THE USE OF THE SITE EXCEED ANY COMPENSATION YOU PAY, IF ANY, TO CUcontent.COM FOR ACCESS TO OR USE OF THE SITE.

Applicable Law and Venue

Any dispute relating in any way to your use of the Site or the CUcontent.com Content shall be submitted to confidential arbitration in Lakewood, NJ except that, to the extent you have in any manner violated or threatened to violate CUcontent.com' intellectual property rights, CUcontent.com may seek injunctive or other appropriate relief in any state or federal court in the State of New Jersey, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this provision shall be conducted by a single arbitrator under the rules then prevailing of the American Arbitration Provision. The arbitrator's award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to the Site Terms, whether through class arbitration proceedings or otherwise.

Termination

Notwithstanding any of these Site Terms, CUcontent.com reserves the right, without notice and in its sole discretion, to terminate your account and/or to block your use of the Site.

Miscellaneous Provisions

Any waiver of any provision of the Site Terms will be effective only if in writing and signed by CUcontent.com. If any clause in these Site Terms is found to be unenforceable, wherever possible this will not affect any other clause and each will remain in full force and effect. Any rights not expressly granted herein are reserved.

Changes to Site Terms

CUcontent.com reserves the right to change any of the terms and conditions contained in the Site Terms or any policy or guideline of the Site, at any time and in its sole discretion. When we make changes, we will revise the "last updated" date at the top of the Site Terms. Any changes will be effective immediately upon posting on the Site. Your continued use of the Site following the posting of changes will constitute your acceptance of such changes. We encourage you to review the Site Terms whenever you visit the website.

Questions and Contact Information

Questions or comments about the Site or Site Terms may be directed to CUcontent.com at subscriptions@CUcontent.com or by calling 877-342-8782.

© 2002-2012 CUcontent.com, Inc. All rights reserved. Terms and Conditions of Use.