www.creditunionrate.com is owned and operated by CREDITUNIONRATE Inc, a Florida corporation (“CREDITUNIONRATE”)

Please read this information before using the creditunionrate.com website. By using Creditunionrate , you agree to be bound by this agreement.

USAGE

You are allowed to access www.creditunionrate.com for legal and lawful purposes only and pursuant to the terms and conditions of this agreement and privacy policy.

www.creditunionrate.com’s site may be unavailable at specific times due to but not limited to, server updates, maintenance and other technical operations. Creditunionrate.com reserves the right to remove or add content at its sole discretion without prior notice to end users.

You may not provide links to www.creditunionrate.com from other sites without prior approval from an official creditunionrate representative. You may not use www.creditunionrate.com as an inner frame on your website or as a pop up window without approval.

INTELLECTUAL PROPERTY RIGHTS

Content and design and other aspects of www.creditunionrate.com are registered trademarks and may not be copied without prior approval. Creditunionrate makes no proprietory claim to third parties, trade or service marks that may be displayed on www.creditunionrate.com. They are the property of their respective owners.

Unauthorized access, distribution, reproduction, copying, retransmission, publication, sale, exploitation (commercial or otherwise), or any other form of transfer of any portion of www.creditunionrate.com, including but not limited to all content, services, digital products, courses, events, tools or products is hereby expressly prohibited.

NO REPRESENTATIONS OR WARRANTIES

All content, provided by www.creditunionrate, is provided to you on an "as-is" basis. Our website content is merley an online directory for credit unions worldwide. It is provided with the only intent of listing potential credit unions that you may be eligible to join. The Content is intended only to assist you with learning more about credit unions . Content and rates are not personal assessments for your financial needs. Creditunionrate Inc, encourages you to consult with a financial planner or an attorney before making any financial decisions.

Creditunionrate does not offer any warranties or guarantees, nor do we represent any content, either expressed or implied including the safety, reliability, , accuracy and conformity. Users of www.creditunionrate.com agree to make it their responsibility to research rates and content.

Creditunionrate makes no warranty that creditunionrate will meet your requirements, or that the www.creditunionrate.com website will be uninterrupted, timely, secure, or error free; nor does creditunionrate.com make any warranty as to the results that may be obtained from the use of creditunionrate.com .creditunionrate will not be liable for any direct, consequential or incidental damages, whether forseeable or not, which may result from the unavailability or malfunction of the www.creditunionrate.com website.

Creditunionrate does not guarantee that the images or downloadable content is protected from viruses or any other programming activities that may interfere with data or personal information in the system. Credtunionrate.com makes no implications that content is free from destructive properties . You must use the site at your own risk.

Creditunionrate’s limited liability

In any event, creditunionrate will not be responsible or held liable to the end user or any third party. Creditunionrate is not responsible for any damages that include but not limited to damage of loss of profit, loss of income, revenue that may come from business. Creditunionrate is not liable even if you are a business partner, in contract, warranty or tort ( including negligence). End user agree not hold creditunionrate liable even if the end results are direct or indirectly a result of

1) Your downloading, viewing or reading any content
2) Your personal choice to rely solely on the content provided without further research even if creditunionrate has insisted and urged users to hire a professional financial planner or attorney for advice before making any financial decisions.
3) Your breach or violation of the terms and conditions that are found in this document
4) Your decision to access or inability to access www.creditunionrate.com

INDEMNITY

You agree to indemnify and hold us and (as applicable) our parent, subsidiaries, affiliates, officers, directors, agents, and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of this Agreement or the documents it incorporates by reference, or your violation of any law or the rights of a third party.

MODIFICATIONS OF TERMS , CONDITIONS AND SERVICES

CREDITUNIONRATE may modify or discontinue www.creditunionrate.com , or any portion thereof or any services, digital products, products, events or courses related thereto, with or without notice to you and without liability to you or any third party, except as otherwise provided herein.


MODIFICATIONS TO CREDITUNIONRATE.COM

CREDITUNIONRATE may modify or discontinue www.creditunionrate.com or any portion thereof or any services, digital products, products, events or courses related thereto, with or without notice to you and without liability to you or any third party, except as otherwise provided herein.

APPLICABLE LAW

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without giving effect to its conflicts of laws provisions. By registering for or entering the www.creditunionrate.com website you consent and submit to the exclusive jurisdiction and venue of the state and federal courts located in Florida.

PRIVACY POLICY

Creditunionrate collects email addresses from users of the site and user agrees to accept email solicitations from creditunionrate.com. Online forms collect users name and other information that is voluntarily submitted by user to creditunionrate. Creditunionrate then uses that information to best assist user with inquiries even if it means sharing this information with affiliated credit unions.

RATES

Rates are based on credit worthiness and subject to change without notice. CreditUnionRate.com does not gaurantee the accuracy of rates .


THIRD PARTY SERVICES

You may order services or merchandise through the WWW.CREDITUNIONRATE.COM from other persons not affiliated with CREDITUNIONRATE ("Seller"). All matters concerning the merchandise and services desired from Seller, including but not limited to purchase terms, payment terms, warranties, guarantees, maintenance and delivery, are solely between you and Seller. CREDITUNIONRATE makes no warranties or representations whatsoever with regard to any goods or services provided by Sellers. You will not consider CREDITUNIONRATE nor will CREDITUNIONRATE be construed as a party to such transactions, whether or not CREDITUNIONRATE may have received some form of revenue or other remuneration in connection with the transaction or be liable for any costs or damages arising out of, either directly or indirectly, you or any other person involved or related to the transaction.

CREDITUNIONRATE may include special routing icons which may be located within the www.creditunionrate.com website, the activation of which will allow you to access and learn more about CREDITUNIONRATE and other services provided by CREDITUNIONRATE whereby the use of such icons is free of additional charge to you. WHEN YOU ACCESS ANY OF THESE SERVICES, YOUR RIGHTS AND OBLIGATIONS WILL BE GOVERNED BY THE AGREEMENTS AND POLICIES RELATING TO THE USE OF THESE SERVICES.

ELIGIBILITY

Creditunionrate serves only as an online advertising directory for credit unions nationwide. Each credit union has specific membership criteria which must be met in order to be extended an invitation for membership. It is the consumer’s responsibility to do the appropriate research.

YOUR OBLIGATION

Creditunionrate Inc. is only an advertising outlet for credit unions worldwide. Creditunionrate Inc. only displays information that was actually submitted by credit union employees/officers. It is your responsibility to do extended research on the credit union of your choice.

By using Creditunionrate, you agree to submit your name and email address that we may later use to send future solicitations

Rates displayed are based on credit worthiness and each credit union reserves the right to change rates without notice.

© Copyright 2004 Creditunionrate Inc., all rights reserved. This Web site and its entire contents are for personal use only and may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted or distributed in any way, without Creditunionrate, Inc.'s prior written permission.. ALL RIGHTS RESERVED