CommunityAmerica Credit Union (“we”, “us”, “our”) requires that all visitors (“you”, “your”) to our website adhere to the following Terms of Use. These Terms of Use contain important information about the use of our website, please read carefully. By using this site, you are acknowledging that you have read, understand, and accept the terms set forth in this Policy.

Privacy. For additional information about how we collect, share, and protect your personal information, please review our Privacy Notice.

Use of Website. This website contains general information about financial related matters and is intended for informational purposes only. Nothing on this website, including any interactive tools or calculators, is intended to provide personal, professional, financial, tax, business or legal advice. If you decide to take action based on the general content provided on this website, please be aware that you do so at your own risk. No fiduciary relationship is created by your use of this website.

Use of Internet cookies. We reserve the right to use small text files called cookies to collect anonymous website traffic data. This information helps improve our web services. We also use cookies to provide visitors with relevant ads and marketing campaigns. Our cookies do not collect or store any personally identifiable information besides your general metropolitan area, which helps us provide a personalized experience. 

Unauthorized Use. Any unauthorized use of our website and computer systems, including but not limited to unauthorized entry into our computer systems, misuse of passwords, or misuse of any information posted to this website is strictly prohibited. We reserve the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to deny access to the website. Any unlawful use may subject you to liability for damages or criminal prosecution.

Updates. We reserve the right to change the contents of this website, including these Terms of Use, at any time. Changes will be effective as of the time the revised content is posted online. We are not required to notify you of changes to these Terms of Use before they become effective.

Intellectual Property. Visitors of this website are prohibited from copying, distributing, displaying, publishing, selling, transmitting, licensing creative derivative works or using any of the content on or through the website for commercial or other unlawful purposes. Infringement of any party’s copyright, patent, trademark, trade secret, intellectual property, or other proprietary rights, or right of publicity or privacy is strictly prohibited and is your sole responsibility. You do not acquire any right, title or interest in or to the Trademarks or any other intellectual property of CommunityAmerica by using this website. The duplication of any information contained within this site is prohibited without the express written consent from CommunityAmerica.

Information You Provide Voluntarily. You are responsible for anything you transmit to or through this website. You understand that all information transmitted and received through the Internet is subject to unauthorized interception, diversion, corruption, loss, access, and disclosure. You agree to not transmit anything to or through this website or by email that you consider to be confidential or proprietary. To protect your privacy and the privacy of others, please do not include personally identifiable information such as Social Security numbers, account numbers, phone numbers or email addresses in any comment or post. If you do include personally identifiable information in your comment, your comment or post may be deleted.

Third Party Content. Some links may take you away from CommunityAmerica’s website and to websites that are not controlled by or affiliated with CommunityAmerica. When you click on any of these links, a pop-up message will appear, informing you that you are about to leave CommunityAmerica’s website. If you do not wish to leave CommunityAmerica’s website, you will have an opportunity to go back before automatically continuing to the third-party content. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on the other sites. Other websites may not follow the same privacy policies and security procedures that CommunityAmerica does, so please review their policies and procedures carefully.

No Warranty. THE MATERIALS ON THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, COMMUNITYAMERICA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, COMPLETENESS, ACCURACY OR FREEDOM FROM COMPUTER VIRUS. OTHER THAN AS REQUIRED UNDER APPLICABLE CONSUMER PROTECTION LAW, UNDER NO CIRCUMSTANCE WILL COMMUNITYAMERICA BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A USER’S RELIANCE ON INFORMATION OBTAINED THROUGH THE WEBSITE OR A LINKED WEBSITE, OR USER'S RELIANCE ON ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED WEBSITE.

Limitation of Liability. COMMUNITYAMERICA WILL NOT BE LIABLE FOR ANY DAMAGES IF THIS WEBSITE IS UNAVAILABLE FOR ANY REASON, OR IF YOUR COMPUTER OR ANY PROGRAM YOU USE IS INFECTED BY A VIRUS OR OTHER MALICIOUS PROGRAM. IN NO EVENT WILL COMMUNITYAMERICA BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES FOR LOSS OF USE, LOST DATA OR LOST PROFITS ARISING OUT OF OR RELATING TO THE USE OF THIS WEBSITE OR THE COPYING, DISPLAY OR USE OF INFORMATION ACCESSED THROUGH THIS SITE, WHETHER OR NOT COMMUNITYAMERICA WAS ADVISED OF OR AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS DISCLAIMER OF LIABILITY IS EFFECTIVE WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR ANY OTHER THEORY. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE OR ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE AND ITS RELATED WEBSITES.

Indemnity. You agree to indemnify, defend, and hold harmless CommunityAmerica, its subsidiaries, affiliates and respective employees, directors, officers, and agents of each, against any and all claims, demands, damages, or costs or expenses (including reasonable attorneys’ fees) that arise directly or indirectly from your breach of these Terms of Use or arising out of your use or conduct on the website.

Severability. If any term or provision of this Agreement is determined to be illegal or invalid, or if any duty required by this Agreement is determined to be illegal, invalid or otherwise unenforceable by a court of competent jurisdiction, then to the extent necessary to make such provision of this Agreement legal, valid, or otherwise enforceable, such term or provision will be limited, construed or severed and deleted from this Agreement, and the remaining portion of such term or provision and the remaining other terms and provisions hereof shall survive, remain in full force and effect and continue to be binding, and will be interpreted to give effect to the intention of the Parties insofar as that is possible.

Governing Law. Except as specifically set forth in these Terms of Use, user access to the website is subject to all applicable international, federal, state and local laws and regulations. This agreement shall be governed by and construed in accordance with the laws of the State of Missouri applicable to agreements made and to be performed entirely within such State, without regard to the choice of law principles of such State. Any legal action taken or to be taken by either Party regarding this Agreement or the rights and liabilities of Parties hereunder shall be brought only before a federal, state or local court of competent jurisdiction located within the State of Missouri. Each Party hereby consents to jurisdiction of the federal, state and local courts located within the State of Missouri.