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. In addition, users can request access to account statements, tax forms, and certain other documents the credit union may provide electronically. 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. Accessing electronic account statements, tax forms, and other documents requires acceptance of an E-SIGN Consent Agreement.

Please also read the Mobile Banking Service End User Agreement with Jack Henry & Associates, Inc. and the E-SIGN Consent Agreement, which follow 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.

Users who accept the separate E-SIGN Consent Agreement (below and/or within the Documents section of Online Services) will have access to view, download, and print account statements, tax forms, and certain other documents the credit union may provide electronically. Accepting the E-SIGN Consent Agreement will stop paper statements and tax forms from being generated and mailed to you.

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 username 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.
(1) Tell us your name and account number.
(2) 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.
(3) 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 Statement 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 04/16/2019

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

The primary provider for the online and/or mobile banking service you are using (the “Service”) is Jack Henry & Associates, Inc. (the "JH", "we" or "us"). By enrolling in our Service, you agree to these terms of use (the "Agreement"). Please read this Agreement carefully before using the Service. The Service includes the Software and the App as defined below. This Agreement applies to both the consumer version of the Service and App ("Banno") and the business version of the Service and App ("Banno Business").

By enrolling in, accessing, or using the Service, you agree to be bound by this Agreement and all of its terms without change. This Agreement is between JH and you, the user. If you are using Banno Business on behalf of a company or other organization, such company or organization will also be considered a party to this Agreement, and you represent and warrant that you have the authority to bind such company or organization to this Agreement. THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION THAT REQUIRES THE PARTIES TO ARBITRATE THEIR DISPUTES AND LIMITS YOUR CLASS ACTION RIGHTS AND THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM JH.

(i) General. JH is not the provider of any of the financial services available to you through the Service and JH is not responsible for any of the materials, information, products, or services made available to you through the Service. You acknowledge and agree that JH is the owner of all right, title and interest in the online and/or mobile technology solution made available to you in the Service, including but not limited to any downloaded software and the computer programs contained in the Service, as well as any accompanying user documentation, and all subsequent copies, updates or versions, regardless of the media or form in which they may exist (together, the “Software”).

You may not use the Software unless you have first accepted this Agreement. Subject to the terms and conditions of this Agreement, we grant you a subscription to use the Software (in machine readable object code form only) in accordance with this Agreement and for the sole purpose of enabling you to use and enjoy the benefits of your financial institution’s services made available via the Software. This is not a sale or license of the Software. All rights not expressly granted to you by this Agreement are reserved by JH. Nothing in this Agreement will entitle you to receive hard-copy documentation, technical support, telephone assistance, or updates to the Software. This subscription may be terminated at any time, for any reason or no reason, by you or JH. Upon termination, you agree to immediately destroy all copies of any Software which had been downloaded to your mobile device or are otherwise in your possession or control. You will not: (i) modify, revise or create any derivative works of the Software; (ii) decompile, reverse engineer or otherwise attempt to derive the source code for the Software; (iii) redistribute, sell, rent, lease, sublicense, or otherwise transfer rights to the Software; (iv) engage in any screen scraping or data mining of the Software;(v) remove or alter any proprietary notices, legends, symbols or labels in the Software, including, but not limited to, any trademark, logo or copyright; or (vi) use the Software to train any generative artificial intelligence application. The terms of this Agreement will govern any updates that replace and/or supplement the original Software, unless such update is accompanied by a separate license in which case the terms of that license will govern. You agree to use the Service, the App and the Software in compliance with applicable laws and for your own personal use only or, if you are a subscriber of Banno Business, only for your use on behalf of your business or organization for its internal business purposes.

(ii) Privacy. JH may access personal information while you use the Service. JH may access records held by your financial institution for such information as your phone number, home address or email address. JH will use this contact information to alert you about Service-related events or actions that require your attention. If you grant permission to use phone information, JH will use the phone number to pre-populate forms that expect a personal phone number for contacting you. If you grant permission to use your device’s location, JH will use the data when checking for nearby branch and ATM locations. If you grant permission to use access photos, media or other files stored on your device, JH will use that information to add an image to a transaction, to attach a document to chat, and add a photo to your profile. If you grant permission to use a camera, JH will use it when taking a picture to add an image to a transaction or to capture images of a check that is being deposited or to add a photo to your profile. Our privacy practices regarding your personal information can be found in our privacy policy located at https://www.jackhenry.com/privacy-policy (the "JH Privacy Policy"). If you are a subscriber of Banno Business, business-to-business exceptions in certain privacy laws may apply to your information. In addition to the JH Privacy Policy, your financial institution maintains a privacy policy covering the personal and financial information related to your use of the financial institution’s services and products, including such information that may be gathered through use of this Service, such as the “Account Information” and “Registration Information” described below. A copy of that privacy policy is available from your financial institution. In the event of conflict between the JH Privacy Policy and your financial institution’s privacy policy, your financial institution’s privacy policy will control. Under applicable privacy laws, you may have certain rights such as the right to collect your personal information, to have your personal information deleted, and to opt-out of certain processing, sales, or sharing of personal information. Please see your financial institution's privacy policy if you wish to make any requests under these rights. JH acts as a processor or service provider to its financial institution customers who act as controllers of your personal information and are primarily responsible for handling such requests. We will cooperate with any privacy rights requests we receive from your financial institution. If you use the Service to make bill payments or engage in transactions with other companies, those companies should also have a privacy policy that addresses the use of your personal information and your privacy rights.

(iii) Source of Information. The Service, at your direction, will retrieve your information maintained online by financial institutions and billers with which you have customer relationships, maintain accounts, or engage in financial transactions and other log-in related information ("Account Information"). JH 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.

(iv) Your Responsibility for Information. You are responsible for providing JH with accurate and updated (as necessary) account numbers, user names, passwords and other log-in related information ("Registration Information") so that the 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. Text messaging services may be provided by your financial institution. You and your financial institution are solely responsible for the content transmitted through text messages sent between you and your financial institution. You must provide source indication in any text messages you send (e.g., mobile telephone number, “From” field in text message, etc.) You are responsible for any text message fees charged by your wireless carrier.

(v) Your Account. If you use the Service, you are responsible for maintaining the confidentiality of your Account and password and for restricting access to your device, and you agree to accept responsibility for all activities that occur under your Account or password. Make sure to log out of your Account when you are finished using the Service. If your status as a user of the Service is terminated, you will (i) stop using the Service and any information obtained from the Service, and (ii) destroy all copies of your account information, password and any information obtained from the Service. We encourage you to use strong passwords that use a combination of upper and lowercase letters, numbers, and symbols, contain at least ten characters and are not used by you with other services or websites. You agree to provide accurate information when you register.
You will immediately notify us of any breach of security or unauthorized use of your Account. We will not be liable for any losses or other damages caused by any unauthorized use of your Account. We may delete your Account and any data in your account at any time and move the location where we store your Account information in our sole discretion. We may suspend your Account and use of the Service at any time for any reason including any potential security threat or fraud. You grant us a perpetual, irrevocable, non-exclusive, sublicensable, transferable and royalty-free right to use, store, copy, transmit and modify any data you submit on the app, and you represent and warrant to us that you have the right to provide such data.

(vi) Rights You Grant to JH. By submitting data, passwords, user names, PINs, log-in information, materials and other Registration Information to JH through the Service, you are voluntarily supplying that content to JH for the purpose of providing the Service to you. By submitting such information to JH, you represent that you are entitled to submit it to JH for use for this purpose, without any obligation by JH to pay any fees. By using the Service, you expressly authorize JH to access your Account Information maintained by identified third parties, on your behalf as your agent. When you use the "Add Accounts" feature of the Service, you will be directly connected to the website for the third party you have identified. JH will submit information including user names and passwords that you provide to log you into the site. You authorize and permit JH to use and store the information submitted by you (such as account passwords and user names) to accomplish the foregoing and to configure the Service so that it is compatible with the third-party sites for which you submit your information. You acknowledge and agree that when JH is accessing and retrieving Account Information from the third-party sites, JH is acting on your behalf and not on behalf of the third party. You acknowledge that certain risks are inherent in the transmission of information over the internet, and you agree that by using the Service you are assuming those risks.

(vii) Links to Third Party Sites. The Service may contain hyperlinks to websites operated by parties other than JH or its affiliates. Such hyperlinks are provided for your reference only. We do not control such websites and are not responsible for their content. If we post hyperlinks to other websites, this does not mean that we endorse the material on such websites or associate ourselves with their operators. Your access to and use of such websites, including information, material, products, and services on such website, is solely at your own risk. Furthermore, because the JH Privacy Policy is applicable only when you are on the Service or our website, once linked to another website, you should read that site’s privacy policy before disclosing any personal information.

(viii) No Unlawful or Prohibited Use. As a condition of your use of the Service, you warrant to JH that you will not use the Service for any purpose that is against the law or prohibited by these terms. If you violate any of these terms, your permission to use the Service automatically terminates. You will not without our prior written permission use any computer code, data mining software, "robot," "bot," "spider," "scraper" or other automatic device, or program, algorithm or methodology having similar processes or functionality, or any manual process, to monitor or copy data or content found on the Service or accessed through the Service. You will not republish JH content or other content from the Service on another website or app or use in-line or other linking to display such content without our permission. You will not introduce viruses, spyware, malware, or other malicious code to the Service or interfere with the integrity or security of the Service. You will not use the Service for benchmarking purposes, use another Service user's account, reverse-engineer the Service or use the Service to develop any competing product or service. You will not identify us or display any portion of the Service on any site or service that disparages us or our products or services, or infringes any of our intellectual property or other rights or refer to JH or the Service in a manner that could reasonably imply an endorsement, relationship or affiliation with or sponsorship between you or a third party and us, other than your permitted use of the Service under this Agreement, without JH’s express written consent. If you are under the age of 13, you are not permitted to use the Service.

(ix) Mobile Devices. To use the mobile app provided with the Service (the "App"), you must have a mobile device that is compatible with the App. We do not warrant that the App will be compatible with your mobile device. You are responsible for any message and data rates from your mobile service provider when you use the App. You must comply with all rules and regulations of your mobile service provider and the mobile app store from which you download the App. If you download the Mobile App from the Apple App Store, you acknowledge and agree that this Agreement is solely between you and JH, not Apple, Inc. (“Apple”) and that Apple has no responsibility for the App or content thereof. Your use of the App must comply with the Apple
Store Terms of Service. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance or support services with respect to the App. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be solely governed by this Agreement and any law applicable to us as provider of the App. You acknowledge that Apple is not responsible for addressing any claims of you or any third party relating to the App or your possession and/or use of the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation; and all such claims are governed solely by this Agreement and any law applicable to us as provider of the Service. You acknowledge that, in the event of any third-party claim that the App or your possession and use of that App infringes that third party’s intellectual property rights, JH, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by this Agreement. You and we acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of this Agreement as relates to your license of the App and compliance with the terms and rules of the Apple App Store, and that, upon your acceptance of the terms and conditions of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement as relates to your license of the App against you as a third-party beneficiary.

If you download the App from the Google Play Store: (i) you acknowledge that the Agreement is between you and JH only, and not with Google, Inc. (“Google”); (ii) your use of App must comply with Google’s then-current Google Play Store Terms of Service; (iii) Google is only a provider of the Google Play Store where you obtained the App; (iv) JH, and not Google, is solely responsible for the App; (v) Google has no obligation or liability to you with respect to the App or this Agreement; and (vi) you acknowledge and agree that Google is a third-party beneficiary to the Agreement as it relates to the App.

(x) Consent to Use of Data. You agree that JH may collect and use data and information about you, your device, system and application software, and peripherals, that is gathered through your use of the Service to facilitate the provision of software updates, product support, product enhancements and other services (if any) related to the Service. JH 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.

(xi) Disclaimer of Warranty. THE SERVICE AND THE APP ARE 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, ACCURACY, AND NON-INFRINGMENT. NO WARRANTY IS PROVIDED THAT THE SERVICE OR THE APP WILL BE FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE SERVICE OR THE APP WILL BE UNINTERRUPTED OR ERROR FREE. YOUR USE OF THE SERVICE, THE APP 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 CERTAIN OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

(xii) Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL JH BE LIABLE FOR ANY DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICE OR THE APP, 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, JH'S LIABILITY ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICE OR THE APP WILL 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 CERTAIN OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

(xiii) Analytics. To assist JH in maintaining and improving this application, JH uses multiple analytics and logging platforms to gather information about usage of the Service. For example, it tracks how many visitors the Service has, which screens they spend time on, what kinds of operating systems and devices they use, and how they found the Service. Analytics platforms generally do 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, although they may use anonymized identifiers. The information helps JH improve the performance of this Service for you. More information on analytics services, including analytics cookies, can be found in the JH Privacy Policy.

(xiv) Dispute Resolution. You agree that: (1) Any claim, dispute, or controversy (whether in contract, tort, or otherwise) arising out of, relating to, or connected in any way with the Service or this Agreement will be resolved exclusively by final and binding arbitration conducted pursuant to the American Arbitration Association (“AAA”) Procedures for Consumer-Related Disputes in conjunction with the AAA Commercial Arbitration Rules (if and as applicable depending on the amount in controversy); (2) This arbitration agreement is made pursuant to a transaction governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. §§ 1-16; (3) The arbitration will be held at the AAA regional office nearest to you; (4) The arbitrator’s decision will be controlled by the terms and conditions of this Agreement; (5) The arbitrator will apply Missouri law consistent with the FAA and applicable statutes of limitations and will honor claims of privilege recognized at law; (6) There will be no authority for any claims to be arbitrated on a class or representative basis; arbitration can decide only your individual claims and the arbitrator will not consolidate or join the claims of other persons or parties who may be similarly situated; (7) The arbitrator will not have the power to award punitive damages against any party; (8) If the administrative fees and deposits you are required to pay under the AAA rules exceed $125, and you are unable to pay the additional fees and deposits, JH retains the right to forward them to the AAA on your behalf, subject to ultimate allocation by the arbitrator. In addition, if you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, JH retains the right to pay as much of your filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive; and (9) If any part of this arbitration Provision is deemed to be invalid or otherwise unenforceable or illegal, the balance of this Arbitration Provision will remain in full force and effect and will be construed in accordance with its terms as if the invalid or illegal provision were not contained herein. You understand that, in the absence of this provision, you would have had a right to litigate disputes through a court, including the right to litigate claims on a class-wide or class-action basis, and that You have expressly and knowingly waived those rights and agreed to resolve any disputes through binding arbitration in accordance with the provisions of this paragraph.

(xv) Miscellaneous. This Agreement constitutes the entire agreement between you and JH concerning the subject matter hereof. This Agreement will be governed by and construed in accordance with the laws of the State of Missouri, 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. Failure by JH to insist upon strict enforcement of any provision of this Agreement will not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service, the App or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred If any of these terms will be deemed invalid, void, or for any reason unenforceable, that term will be deemed severable and will not affect the validity and enforceability of any remaining term. You may have greater rights, or some of the provisions may be prohibited, by virtue of state or federal consumer protection laws. In such a case, to such extent, the subject provisions will not apply to you. This 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 expressly waived and excluded.

Last Updated 12/15/2023

E-SIGN Consent Agreement for Electronic Statements & Documents

Electronic Delivery of Documents – By accepting this E-SIGN Consent Agreement (“Agreement”), you agree to permit Cloverbelt Credit Union (“Credit Union”), now and in the future, to provide account statements, tax statements, disclosures, notices, correspondence, and other documents to you in electronic form instead of providing such information in written form, if they so choose. Not all documents are available in an electronic format and the Credit Union is the sole determiner of which documents can be provided electronically. This agreement will be valid until you exercise your right to revoke this consent.

Account Statements and Tax Forms – You have the right to receive periodic account statements and tax forms in paper. By accepting this Agreement, you understand the Credit Union will not provide you with printed statement or tax forms in the mail but will instead give you access to your statements and tax forms electronically within CU-Online. You must maintain your CU-Online access to view, download, or print these documents. NOTE: New CU-Online users and existing users who receive paper statements must visit the Documents section of online banking to make their election to turn off paper statements.

System Requirements – To access electronic documents within CU-Online and retain the information provided, you must have a personal computer or device capable of connecting to the Internet, downloading a PDF file, and storing or printing the document. Preferred browsers include Chrome, Firefox, and Safari, using no more than two versions prior to the current version. By accepting the Agreement, you confirm you have read, understand, and agree to its terms and conditions and that your hardware and software meets the stated requirements. Request for Paper Copies – We recommend you print or retain each electronic record for your files. In general, electronic account statements and tax forms can be accessed online for approximately 18 months. If you terminate your CU-Online access, you can no longer access electronic documents stored there. At your request, we will provide you with a paper copy of any electronic record you received but there may be a cost for this, as disclosed in our Fee Schedule.

Request for Paper Copies – We recommend you print or retain each electronic record for your files. In general, electronic account statements and tax forms can be accessed online for approximately 18 months. If you terminate your CU-Online access, you can no longer access electronic documents stored there. At your request, we will provide you with a paper copy of any electronic record you received but there may be a cost for this, as disclosed in our Fee Schedule.

Withdrawing Consent – You have the right to withdraw your consent to receive electronic statements and documents at any time. By doing so, you will no longer receive or be able to view past statements and tax forms within CU-Online. To withdraw your consent, call us at 715-842-5693 or write us at PO Box 659, Wausau WI 54402-0659. Your withdrawal will be effective after we have had a reasonable opportunity to process your request.

Last Updated 6/6/2023