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Cloverbelt Credit Union

CU-Online and Mobile App Terms of Use

Your initial access of your Cloverbelt Credit Union ("Credit Union") accounts through CU-Online or our Cloverbelt CU Mobile Banking app represents your agreement to be bound by these Terms of Use and acknowledges your receipt and understanding of this disclosure.  CU-Online and the Cloverbelt CU Mobile Banking app also allow users to access Bill Pay and, with prior approval, Mobile Deposit services.  Bill Pay and Mobile Deposit each have a separate Terms of Use, which applies in addition to the CU-Online & Cloverbelt CU Mobile Banking App Terms of Use.

 

Please also read the Mobile Banking Service End User Agreement with Jack Henry & Associates, Inc., which follows this Terms of Use.

 

Enrollment & Eligible Accounts

When you enroll in or access Online Services, you represent that you are the owner of the accounts and other financial information that can be accessed, and that all information you provide in connection with your Online Access is accurate, current and complete.  You agree to not misrepresent your identity or your account information.  You represent that you are an authorized user of the device used to access Online Services.=

When you enroll in CU-Online or the Cloverbelt CU Mobile Banking app (“Online Access” or “Online Services”) we will enable access for all accounts associated with your member number.  At your request, we can block Online Access for your member number.  Certain account types, such as guardian, representative payee and other 3rd-party controlled accounts are not eligible for full Online Access and are limited to “view only” access. The Credit Union reserves the right to refuse enrollment, limit or discontinue online access for any account, for any reason, without advance notice.

Online Access also provides users access to Bill Pay and, with prior approval, Mobile Deposit services.  Bill Pay and Mobile Deposit each have a Terms of Use specific to that service, which apply in addition to this Terms of Use.

Your CU-Online Password/Passcode

Your Online Access username and password, passcode or biometric access (collectively referred to as “password”) allow access to your Credit Union accounts to view account information.  In most cases, it will also allow you to perform transactions including those from or between your accounts, transfers from your account to another credit union member account, initiating an electronic transfer from your account to an individual, initiating bill payments, requesting mobile check deposits and accessing your statements. 

You agree to not give or make your user name or password available to unauthorized individuals.  Should you do so, this constitutes your authorization for the recipient to have access to all information and functions provided by the Online Services, making them an authorized user.   You are responsible for all bill payment, transfer, check deposit and other instructions initiated by you or your authorized user, even though you have agreed not to disclose this information to anyone else. You also agree to not leave your device unattended while logged into any Online Services, to log out completely if you are using a public device and to maintain current virus/malware protection on any computer or device used for Online Access.

If you believe that your account number or password has been lost, stolen or compromised, or that someone may attempt to gain Online Access without your consent, you must notify the Credit Union at once by calling us during regular business hours.

You agree the Credit Union may revoke your Online Access if unauthorized account access and/or transactions occur as the apparent result of negligence in safeguarding the password, either by you or your authorized user.

Hours of Accessibility

You can access your Credit Union accounts through CU-Online and the Cloverbelt CU Mobile Banking app seven days a week, approximately 24 hours a day. However, at certain times, some or all of these services may not be available due to system maintenance or other unforeseeable delays/problems. During these times, you may use a Credit Union branch or ATM to conduct transactions.

Access and Fees

CU-Online and the Cloverbelt CU Mobile Banking app are free services.  Certain services you can access may have fees associated with them, which are detailed in our Fee Schedule and/or within the Terms of Use for each service.   You authorize us to collect these fees from any Credit Union account on which you are a signer.

You are responsible for any fees and charges from your internet service or any other provider that are incurred when you access CU-Online or the Cloverbelt CU Mobile Banking app.

You agree to not use the CU-Online, the Cloverbelt CU Mobile Banking app or any services associated with Online Access in any illegal activity.

To block CU-Online and Cloverbelt CU Mobile Banking access to your accounts, please contact our Member Service Department at (715) 842-5693.  If you later want to use these services, you must contact Member Service to reinstate your access privilege.

The Credit Union reserves the right to refuse enrollment, limit or discontinue online access for any account, for any reason, without advance notice.

Unauthorized Transfers

Tell us AT ONCE if you believe your password has been lost, stolen or compromised, if you believe someone gained Online Access to your accounts, or if you believe that an electronic funds transfer has been made without your permission using your Online Access credentials.  Contacting us by telephone is the best way of keeping your possible losses down.  You could lose all the money in your account (plus your maximum overdraft line of credit).  If you tell us within 2 business days after you learn of the loss or theft of your Online Access credentials, you can lose no more than $50 if someone used your Online Access credentials without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your Online Access credentials, and we can prove we could have stopped someone from using your Online Access credentials without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers or transactions that you did not make, tell us at once.  If you do not tell us within 60 days after the statement was mailed or made available to you online, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. 

If you believe your password has been lost, stolen or compromised, if you believe someone gained Online Access to our accounts, or if you believe that an electronic funds transfer has been made without your permission using your Online Access credentials, call us as soon as possible, during regular business hours, at (715) 842-5693 or contact us using a method listed at the end of this disclosure.

Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers, call us as soon as possible, during regular business hours, at (715) 842-5693 or contact us using a method listed at the end of this disclosure, if you think your statement is wrong or if you need more information about a transfer listed on the statement or receipt.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  • Tell us your name and account number
  • Describe the error, transfer or transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, point of sale transaction, or a foreign-initiated transfer) to investigate your complaint or question.  If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.  Your account is considered a new account for the first 30 days after the first deposit is made, unless you already had an established account with us before this account was opened.

We will tell you the results within three business days after completing our investigation.  If we decide there was no error, we will send you a written explanation.

You may ask for copies of the documents we used in our investigation.

 

Privacy Policy

You’ll find our Online Privacy Policy and our Privacy Notice.  You can also request a printed version of our Privacy Policy or Privacy Notice by contacting us using a method listed at the end of this disclosure.

Updates to the CU-Online & Cloverbelt CU Mobile Banking App Terms of Use

We reserve the right to modify the CU-Online & Cloverbelt CU Mobile Banking App Terms of Use at any time.  If we make material changes to this policy, we will change the “Last Updated” date at the end of this policy.  Any changes we make to our CU-Online & Cloverbelt CU Mobile Banking App Terms of Use are effective as of this Last Updated date and replace any prior Terms of Use.

Disputes
In the event of a dispute regarding Online Access, you agree to resolve the dispute by looking to this Terms of Use. You agree that this Terms of Use is the statement of the agreement between you and the Credit Union, which supersedes any prior agreement, oral or written, and any other communications between you and the Credit Union relating to the subject matter of this Terms of Use. If there is a conflict between what a Credit Union employee says and the Terms of Use, the Terms of Use shall control.

Assignment
You may not assign this Terms of Use to any other party. The Credit Union may assign this Terms of Use to any future, directly or indirectly, affiliated company. The Credit Union may also assign or delegate specific rights and responsibilities under this Terms of Use to third-party service providers.

No Waiver
The Credit Union shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Credit Union in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a waiver of any rights or remedies on future occasions.

Governing Law
This Terms of Use shall be governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflicts of law provisions.

Limitation of Warranty and Liability

You understand and agree that the services provided under this Terms of Use are provided “as-is.”  The Credit Union assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communication or personalization settings.  You understand and expressly agree that use of the services is at your sole risk, that any materials and/or data obtained through the use of the CU-Online, the Cloverbelt CU Mobile Banking app, Bill Pay, Mobile Deposit and all other functions or services associated with online access to your Cloverbelt Credit Union accounts are at your own discretion and risk and that you will be solely responsible for any damages, including without limitation damage to your computer system, or loss of data that results from use of these functions or services.

We disclaim all warranties of any kind, express or implied, including without limitation any warranty of merchantability, fitness for a particular purpose or non-infringement and we make no warranty or representation regarding the results that may be obtained from the use of Online Services, the accuracy or reliability of any information obtained through these service or that the Online Services will meet any user’s requirements, be uninterrupted, timely, secure or error free.

Except as specifically provided in this Terms of Use or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Credit Union OR by internet browser providers OR by internet access providers OR by online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the online financial services, or Internet browser or access software.

 

Contact Information

In person at:

Cloverbelt Credit Union
110 McIndoe St
Wausau WI 54403

By mail at:

Cloverbelt Credit Union
PO Box 659
Wausau WI 54402-0659

By phone at:

715-842-5693
866-214-1395 (toll free)

By email at:
ccu@ccuwausau.com

Or online using the “Message” feature in CU-Online or the Cloverbelt CU Mobile app

Last updated 4/16/2019


Mobile Banking Service End User Agreement with Jack Henry & Associates, Inc.

 The primary licensor for Cloverbelt Credit Union’s mobile banking service is Jack Henry & Associates, Inc. (the “Provider”).  By enrolling in our mobile banking service, you hereby agree to this End User Agreement which is between you and Jack Henry & Associates, Inc. 

 

(i) General. Access to our mobile banking service via your mobile device is powered by the mobile technology solution owned by Provider. The Provider is not the provider of any of the financial services available to you through the mobile banking service, and the Provider is not responsible for any of the materials, information, products or services made available to you through the mobile banking service.

 

(ii) Source of Information. The mobile banking service, at your direction, will retrieve your information maintained online by billers with which you have customer relationships, maintain accounts or engage in financial transactions and other log-in related information ("Account Information"). Provider does not review, verify or analyze the Account Information for accuracy or any other purpose, but simply gathers, organizes and reports available Account Information to you. Technical difficulties may result in a failure to obtain data, a loss of data, a loss of personalized settings or other service interruptions. Account Information is timely only to the extent that it is promptly provided by the third-party sites. Account Information may be more complete or up to date when obtained directly from the third-party sites.

 

(iii) Your Responsibility for Information. You are responsible for providing Provider with accurate and updated (as necessary) account numbers, user names, passwords and other log-in related information ("Registration Information") so that the mobile banking service is able to access Account Information. If you become aware of any unauthorized use of your Registration Information, you should notify your financial institution immediately.

 

(iv) Rights You Grant to Provider. By submitting data, passwords, user names, PINs, log-in information, materials and other Registration Information to Provider through the mobile banking service, you are voluntarily supplying that content to Provider for the purpose of providing the mobile banking service to you. By submitting such information to Provider, you represent that you are entitled to submit it to Provider for use for this purpose, without any obligation by Provider to pay any fees. By using the service, you expressly authorize Provider to access your Account Information maintained by identified third parties, on your behalf as your agent.

 

(v) Consent to Use of Data. You agree that Provider may collect and use technical data and related information, including but not limited to technical information about your mobile device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services (if any) related to the mobile banking service. Provider may use this information, as long as it is in a form that does not personally identify you, to improve its products or provide services or technologies.

 

(vi) Disclaimer of Warranty. THE MOBILE BANKING SERVICE IS PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGMENT. NO WARRANTY IS PROVIDED THAT THE MOBILE BANKING SERVICE WILL BE FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE MOBILE BANKING SERVICE WILL BE UNINTERRUPTED. YOUR USE OF THE MOBILE BANKING SERVICE AND ANY MATERIAL OR SERVICES OBTAINED OR ACCESSED VIA THE SERVICE IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THEIR USE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

 

(vii) Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL PROVIDER BE LIABLE FOR ANY DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE MOBILE BANKING SERVICE, INCLUDING BUT NOT LIMITED TO ANY GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY THEREOF, AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT OR OTHERWISE) UPON WHICH ANY CLAIM IS BASED. IN ANY CASE, PROVIDER'S LIABILITY ARISING OUT OF THE USE OR INABILITY TO USE THE MOBILE BANKING SERVICE SHALL NOT EXCEED IN THE AGGREGATE THE SUM OF $250. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

 

(viii) Miscellaneous. This End User Agreement constitutes the entire agreement between you and Provider concerning the subject matter hereof. This End User Agreement will be governed by and construed in accordance with the laws of the state of Iowa, excluding that body of laws pertaining to conflict of laws. If any provision of that portion of this Agreement is determined by a court of law to be illegal or unenforceable, such provision will be enforced to the maximum extent possible and the other provisions will remain effective and enforceable. All disputes relating to this End User Agreement are subject to the exclusive jurisdiction of the courts of Iowa and you expressly consent to jurisdiction and venue thereof and therein. This End User Agreement and all related documentation are and will be in the English language. The application of the United Nations Convention on Contracts for the International Sale of Goods is hereby expressly waived and excluded. To assist Provider in maintaining and improving this application, Provider uses Google Analytics to gather information about usage of the application. For example, it tracks how many visitors the application has, which screens they spend time on, what kinds of operating systems and mobile devices they use, and how they found the application. Google Analytics does not track, collect or upload any data that personally identifies an individual (such as a name, email address, account number or billing information), or other data which can be reasonably linked to such information. The information helps Provider improve the performance of this application for you. For more information on Google's use of the data, please see the website "How Google uses data when you use our partners' sites or apps" located at http://www.google.com/policies/privacy/partners/

Last Updated 4/16/2019