Website Terms and Conditions

TERMS AND CONDITIONS PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEBSITE. BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY THE CREDIT UNION (for purposes of these terms and conditions the term "the Credit Union" includes the Credit Union’s affiliates, as applicable) FROM TIME-TO-TIME AND POSTED ON THIS WEBSITE. No Warranties. Although the Credit Union attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the "Contents") on the Website, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE WEBSITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE WEBSITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE WEBSITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, THE CREDIT UNION ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEBSITE OPERATED BY A THIRD PARTY. Without limitation as to the foregoing, the Credit Union makes no representation, warranty or guarantee regarding your use of this website and its contents. You should seek professional tax advice for any questions or issues. Also without limitation as to the foregoing, the Credit Union makes no representation, warranty or guaranty regarding your use of this website. Finally without limitation as to the foregoing, in regard to (refers to other vendors) area of the Website, the Credit Union does not endorse, guarantee, represent, warrant or recommend the products and/or services nor their accuracy, completeness, or usefulness. Any opinions, judgments, advice, statements, services, offers or other information are those of the author or distributor and not the Credit Union. Limitation of Liability. IN NO EVENT WILL THE CREDIT UNION OR ITS SUBSIDIARIES, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY'S USE OF THE WEBSITE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEBSITE OR ANY WEBSITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS WEBSITE OR ANY OTHER WEBSITE, EVEN IF THE CREDIT UNION IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES. Use of Website. Contents are included in this Website solely for the personal use of Website users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this Website without the prior written consent of the Credit Union, which may be withheld in its sole discretion. Copyrights and Other Intellectual Property. Except where otherwise expressly noted or as noted below, all Contents of this Website, including the graphics, icons and overall appearance of the Website, are the sole and exclusive property of the Credit Union. Certain of the Credit Union's trademarks and/or servicemarks are also listed below. The posting of the Contents of this Website neither constitutes a waiver of any of the Credit Union's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, servicemarks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the Website user or to any third party. Contents of this Website are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Website. Links to Other Websites. The Credit Union may establish links between this Website and one or more Websites operated by third parties. The Credit Union has no control over any such other Websites or the contents therein. The existence of any such links shall not constitute an endorsement by the Credit Union of such Websites, the contents of the Websites, or the operators of the Websites. Transmissions to and from this Website. Except where expressly indicated otherwise, transmissions to and from this Website or directed to the Credit Union, including E-mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at the Credit Union. Please do not use E-mail to send us communications which contain confidential information, which we require to be in writing, or which need our immediate attention. Please call 908.245.1750 or write us instead at this address:

The Atlantic Federal Credit Union
PO Box 618
Kenilworth, NJ 07033
Attention: Web Site Customer Service

Any transmission to this Website, including E-mails shall be deemed and remain the property of the Credit Union. The Credit Union shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a Website user to the Credit Union through this Website. Available Only Where Permitted by Law. The products and services of the Credit Union, and other Credit Union affiliates are available only in the United States and other countries where permitted by law. Modifications. The Credit Union may at any time make modifications, changes, and alterations to the Contents of this Website, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of this Website following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations. Governing law. These Terms and Conditions shall be governed by and construed in accordance with applicable federal laws and the laws of the State of New Jersey. Disputes arising from the use of this Website shall be subject to the federal courts and state courts of the State of New Jersey. Severability. To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect. Waiver. No waiver by the Credit Union of any right under or term or provision of these Terms and Conditions will be deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any other right, term, or provision of these Terms and Conditions at any other time. Service Contact for questions or problems with this Website. You may contact the Credit Union by info@atlfedcu.com, or by phone at 908.245.1750 or by mail to:

The Atlantic Federal Credit Union
PO Box 618
Kenilworth, NJ 07033
Attention: Web Site Customer Service