Online Account Access Agreement - DFCU Financial

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You may sign up for Alerts in DFCU OnLine. You may choose the type of Alert you would like to receive, the account(s) to which the Alerts will relate, and the email addresses to be used as Contact Points to which the Alerts will be sent. You also agree to update your Contact Points with any change to your email addresses in order to ensure continued delivery of Alerts. You may also edit or delete any of your information at any time. Anyone with access to your email will be able to view the contents of the Alerts. We currently charge no additional fees for this service, we reserve the right to terminate, modify and/or charge fees for the service. You understand and agree that receipt of each Alert may be delayed, or prevented by factors affecting your Internet service provider(s), phone operator(s), and such other relevant entities ("Third Party Service Providers"). You are responsible for and must provide all telephone and other equipment, software, and services necessary to receive Alerts from the Service. Alerts may include your Name and information specific to an account according to the alert(s) you have established and will not be encrypted. You also understand and agree that Alerts will not be sent on a real time basis, but will rather be sent at the next scheduled delivery time after the specified event occurs. We reserve the right to change the frequency or timing of Alerts, at any time and from time to time. We neither guarantee the delivery nor the accuracy of the contents of any Alert. You agree that We will not be liable for losses or damages arising from (a) non-delivery, delayed delivery, or mis-delivery of an Alert; (b) inaccurate content in an Alert; or (c) your use or reliance on the contents of any Alert for any purchases or any other reason. Fees There are currently no monthly or transaction fees for accessing Your account(s) through DFCU OnLine. Under no circumstances will We be responsible for telephone or Internet Service Provider fees You incur to access DFCU OnLine. Your DFCU OnLine privileges may be terminated if You do not use the service for a period of 90 days. New Services DFCU Financial may, from time to time, introduce new online services. We will notify You of any new services. By using these services when they become available, You agree to be bound by the rules communicated to You concerning these services. Security You understand the importance of Your role in preventing misuse of Your accounts through DFCU OnLine and You agree to promptly review Your statement for each of Your accounts as soon as You receive it. You agree to protect the confidentiality of Your account, member number, challenge questions and answers, password, or other means of identification We may provide to You. All data transferred to and from DFCU OnLine utilizes encryption technology consistent with industry standards to reasonably protect the security of data transferred and identification technology to verify that the sender and receiver of DFCU OnLine transmissions can be appropriately identified. Use of such technology does not, however, guarantee unauthorized third parties cannot access information transmitted and You acknowledge that the Internet is inherently insecure. Except as otherwise required by law, You understand and agree that DFCU Financial will not be liable for a breach of security in connection with the services offered in this Agreement. We cannot and do not warrant or represent that all data transfers utilizing DFCU OnLine or e-mail transmitted to or by Us, will not be monitored, intercepted, or read by others. It is Your sole responsibility to assure that Your identification numbers, passwords and challenge questions and answers are not revealed or otherwise made available to persons not authorized to access Your accounts. You agree to assume all liability for disclosure of Your identification numbers, passwords or challenge questions and answers to any person(s) or entities, and to assume all responsibility for transactions or other account activity performed by person(s) or entities other than Yourself who have obtained Your identification numbers and password. You also agree to immediately notify Us by telephone at 313.336.2700 or 888.336.2700, outside the local area, of any unauthorized use of Your password, any access or attempted access, transaction or attempted transaction, other account activity or attempted account activity, or any other breach of security. By accessing Your accounts via DFCU OnLine You represent and agree that You have considered the security procedures contained herein and find that they are commercially reasonable for verifying that a transfer or other communication purporting to have been made by You is in fact Yours. In reaching this conclusion You have considered the size, type, and frequency of transfers or other communications that You anticipate issuing through DFCU OnLine. If in Your judgment these security procedures are not commercially reasonable or circumstances change so that You believe the procedures are no longer commercially reasonable, You must notify Us in writing within thirty (30) days. Limitation of Damages You hereby agree that our officers, directors, employees, contractors, or agents are not liable for any direct, indirect, special, incidental, exemplary, or consequential damages including lost profits, income, revenue or data whether in an action based in contract, tort, or warranty caused by the Credit Union, DFCU OnLine, or the use thereof, or arising out of the installation, use, or maintenance of any products or services subject to this DFCU Financial - 2 -
Agreement. Except as specifically set forth in this Agreement or as expressly authorized by law, You agree that our entire liability and Your exclusive remedy shall be amounts paid by You equal to any fees for use of services provided through DFCU OnLine. Contact with the Credit Union You may contact Us for any reason related to this Agreement by phoning 313.336.2700 or 888.336.2700, outside the local area or in writing at DFCU Financial, PO Box 6048, Dearborn, MI 48126-6048, or via e-mail at info@dfcufinancial.com. You agree to immediately notify Us of any change in Your e-mail address, mailing address, telephone numbers and other contact information. Electronic Fund Transfer Disclosure The following Electronic Fund Transfer Disclosure (EFT Disclosure) is itself an agreement between You and the Credit Union. It is also a disclosure of certain terms and conditions and Your rights as required pursuant to the federal Electronic Fund Transfer Act and its implementing regulation, Federal Reserve Board Regulation E, and the Michigan Electronic Funds Transfers Act. The Agreement and Disclosure contained in this section pertains only to electronic fund transfers that You may perform by use of DFCU OnLine and not other electronic fund transfers services of the Credit Union. Such other electronic fund transfers services are addressed in the Electronic Services Agreement and Disclosure You were provided when You opened Your account at the Credit Union. Accounts Accessed The following Credit Union accounts, as applicable, may be accessed via DFCU OnLine for completion of electronic fund transfers: Savings Insured Money Market Special Savings Personal Line of Credit Holiday Savings Home Equity Line of Credit Interest Checking Plus Checking Types of Transfers You May Make The Credit Union allows You to transfer funds between the above referenced accounts. There are no limitations on the number of transactions that can be made during any time period, except as provided by federal regulations limiting preauthorized transfers. By federal regulation, You are limited during any month to six preauthorized or automatic transfers if the account is a savings account or money market account. These transactions shall be referred to herein as “electronic funds transfers.” Documentation You will receive a periodic statement at least quarterly from the Credit Union. You will receive a monthly statement for any month in which You completed an electronic fund transfer. It is Your responsibility to review each statement You receive for its accuracy and to contact the Credit Union as set forth in this Agreement if You discover an error or unauthorized transfer of funds. Error Resolution In case of errors or questions about Your DFCU OnLine transfers, telephone Us at 313.336.2700 or 888.336.2700, outside the local area or write Us at DFCU Financial, PO Box 6048, Dearborn, MI 48126-6048 as soon as You can. We must hear from You no later than 60 days after We sent the FIRST statement on which the error or problem appeared. Tell Us Your name and account number Describe the error or the transfer You are unsure about, and explain as clearly as possible why You believe it is an error or why You need more information Tell Us the dollar amount of the suspected error If You inform 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 after We hear from You and will correct any error promptly. If We need more time, however, We may take up to 45 days to investigate Your complaint or question. If We decide to do this, We will credit Your account within 10 business days for the amount You think is DFCU Financial - 3 -
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Online Account Access Agreement - DFCU Financial

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