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terms of use

Welcome to our website. These terms of use are entered into by and between you and the California Credit Union League, also known as California’s Credit Unions (“CCU”, “we,” or “us”). This Site is maintained as a service to our members. By using this Site you agree to comply with and be bound by the following terms and conditions of use. Please review these terms and conditions carefully. If you do not agree to these terms and conditions you should not use this Site. For purposes of these Terms of Service, the term “affiliates” shall be deemed to include, but shall not be limited to, the Nevada Credit Union League, also known as Nevada’s Credit Unions (“NCU”) and Fuel Solutions, Inc., also known as Fuel Cooperative Solutions (“Fuel”). 

  1. Agreement. This Agreement (“Agreement”) specifies the Terms and Conditions for access to and use of www.californiascreditunions.org, including any content, functionality, and services offered on or through www.californiascreditunions.org, and the League Mobile App (collectively the “Site”) and governs your access to and use of the Site, whether as a guest or a registered user. This Agreement may be modified at any time by CCU in our sole discretion. All changes are effective immediately upon posting of the modified agreement. You can view the most recent version of these terms at any time at www.californiascreditunions.org. Your continued use of the Site shall constitute and be deemed your unconditional acceptance of this Agreement, and your continued use following the posting of revised Terms of Use shall mean that accept and agree to the changes. If you do not want to agree to these Terms of Use or any modification, you must not access or use the Site. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you. 
  1. Privacy. Your visit to the Site is also governed by our Privacy Policy. By using the Site you agree to be bound by the terms of the Privacy Policy. Please review our Privacy Policy at www.californiascreditunions.org. If you do not want to agree to the Privacy Policy, you must not access or use the Site. 
  1. Intended Audience. This Site is intended for adults only. This Site is not intended for any children under the age of 18. By using this Site, you represent and warrant that you are of legal age to form a binding contract with CCU. 
  1. Ownership. The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by CCU, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Any copying, redistribution, use, or publication by you of any such content or any part of the Site is prohibited, except as expressly permitted in this Agreement. Under no circumstances will you acquire any ownership rights or other interest in any content by or through your use of this Site. 
  1. Intellectual Property Rights. The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by CCU, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. California Credit Union League, California’s Credit Unions, the California League Services Corporation, Nevada Credit Union League, Nevada’s Credit Unions, Fuel Solutions, Inc., Fuel Cooperative Solutions, and others, including their logos, are either trademarks or registered trademarks of CCU or its subsidiaries, affiliates or licensors. You must not use such marks without the prior written permission of CCU. All other product and company names mentioned on this Site are the trademarks of their respective owners. 
  1. Site Use. CCU grants you a limited revocable nonexclusive license to use this Site solely for your own personal, non-commercial use only You must not reproduce, distribute, modify, delete, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site, except as follows:  
  • Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials; 
  • You may store files that are automatically cached by your Web browser for display enhancement purposes. 
  • You may print or download one copy of a reasonable number of pages of the Site for your own personal, non-commercial use and not for further reproduction, publication, or distribution. 
  • If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications. 
  • If we provide social media features with certain content, you may take such actions as are enabled by such features. 

You may not use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text. You may not delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site. Any use of the Site not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws. The use of this Site is at the discretion of CCU and CCU may terminate your use of this Site at any time. 

  1. Prohibited Use. You may use the Site only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Site: 
  • In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the U.S. or other countries).  
  • For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise. 
  • To send, knowingly receive, upload, download, use, or re-use any material that does not comply with these Terms of Use. 
  • To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation. 
  • To impersonate or attempt to impersonate CCU, its subsidiaries or affiliates, an employee of CCU, its affiliates or subsidiaries, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing). 
  • To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Site, or which, as determined by us, may harm CCU, its affiliates or subsidiaries or users of the Site, or expose them to liability. 

Additionally, you agree not to: 

  • Use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website. 
  • Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site. 
  • Use any manual process to monitor or copy any of the material on the Site, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent. 
  • Use any device, software, or routine that interferes with the proper working of the Site. 
  • Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful. 
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site.  
  • Attack the Site via a denial-of-service attack or a distributed denial-of-service attack. 
  • Otherwise attempt to interfere with the proper working of the Site. 
  1. Compliance with Laws. You agree to comply with all applicable laws and regulations regarding your use of the Site. You further agreed that information provided by you is truthful and accurate to the best of your knowledge. 
  1. Indemnification. You agree to indemnify, defend, and hold CCU and its employees, subsidiaries, and affiliates harmless from any liability, loss, claim, and expense, including reasonable attorney’s fees, related to your violation of this Agreement or use of the Site, including, but not limited to, any User Contributions. 
  1. Disclaimer. YOUR USE OF THE SITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE INFORMATION ON THIS SITE AND ITS CONTENT, INCLUDING ANY SERVICES OBTAINED THROUGH THE SITE, ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE” BASIS. YOU AGREE THAT USE OF THIS SITE IS AT YOUR SOLE RISK. CCU MAKES NO REPRESENTATIONS OR WARRANTIES AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND INCLUDING BUT NOT LIMITED TO ANY EXPRESS WARRANTIES STATUTORY WARRANTIES AND ANY IMPLIED WARRANTIES OF: MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. TO THE EXTENT YOUR JURISDICTION DOES NOT ALLOW LIMITATIONS ON WARRANTIES, THIS LIMITATION MAY NOT APPLY TO YOU. YOUR SOLE AND EXCLUSIVE REMEDY RELATING TO YOUR USE OF THE SITE SHALL BE TO DISCONTINUE USING THE SITE. ANY COMPLIANCE-RELATED INFORMATION MADE AVAILABLE THROUGH THE SITE IS FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. IT IS NOT INTENDED AS LEGAL ADVICE AND SHOULD NOT BE RELIED UPON AS A SUBSTITUTE FOR THE ADVICE OF LEGAL COUNSEL. 
  1. Limitation of Liability. UNDER NO CIRCUMSTANCES WILL CCU OR ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE OR RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING DAMAGES FROM LOSS OF BUSINESS, LOST PROFITS, GOODWILL, LITIGATION, OR THE LIKE), SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, UNDER ANY LEGAL THEORY ARISING OUT OF, OR IN ANY WAY RELATING TO, THE SITE, YOUR USE OF THE SITE, THE CONTENT, ANY THIRD PARTY SITE LINKED TO THIS SITE, OR ANY ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY, VIRUS, THEFT, DESTRUCTION, OR DAMAGE, TO COMPUTER SYSTEMS, OR UNAUTHORIZED ACCESS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR CONTENT IS TO CEASE ALL OF YOUR SITE USE. You may have additional rights under certain laws (including consumer laws) that do not allow the exclusion of implied warranties, or the exclusion or limitation of certain damages. If these laws apply to you, the exclusions or limitations in this Agreement that directly conflict with such laws may not apply to you. 
  1. Use of Information. CCU reserves the right and you authorize us to use and assign all information regarding Site uses by you and all information provided by you in any manner consistent with our Privacy Policy. 
  1. Copyrights and Copyright Agent. If you believe your work has been copied in a way that constitutes copyright infringement, please provide a notice containing all of the following information to our Copyright Agent: 
  1. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; 
  1. A description of the copyrighted work that you claim has been infringed; 
  1. A description of where the material that you claim is infringing is located on the Site; 
  1. Your address, telephone number, and email address; 
  1. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and 
  1. A statement by you made under penalty of perjury that the above information in your notice is accurate, and that you are the copyright owner or authorized to act on the copyright owner’s behalf. 

Our Copyright Agent for Notice of claims of copyright infringement on the Site is Karla Davis, who can be reached as follows: 

By Mail: 2855 E. Guasti Road, Suite 202, Ontario CA 91761 

By Phone: 909-212-6023 or email Karla Davis at karlad@ccul.org. 

  1. Applicable Law and Limitation of Time to File Claims. You agree that the laws of the State of California, without regard to conflicts of laws provisions, will govern these Terms of Use, and any dispute that may arise between you and CCU or its affiliates or subsidiaries. Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Site, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, shall be submitted to final and binding arbitration in the State of California under the Rules of Arbitration of the American Arbitration Association applying California law. ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED. 
  1. Links from the Site. If the Site contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Site, you do so entirely at your own risk and subject to the terms and conditions of use for such websites. 
  1. Severability. If any provision of this Agreement shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect. 
  1. Termination. CCU may terminate this Agreement at any time with or without notice for any reason. 
  1. Contact Information. HOW TO CONTACT US: 

California’s Credit Unions 

2855 E. Guasti Road, Suite 202 

Ontario CA 91761 

909-212-6000 

league@ccul.org 

ADDITIONAL TERMS OF USE FOR USER CONTRIBUTIONS AND COMMENTS 

The Site may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards, and other interactive features (collectively, “Interactive Services”) that allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, “post”) content or materials (collectively, “User Contributions”) on or through the Site. All User Contributions must comply with the content standards set out in these Terms of Use.  

Any User Contribution you post to the Site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Site, you grant us and our affiliates, subsidiaries, and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose/according to your account settings.  

You represent and warrant that:  

  • You own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and [our affiliates and service providers, and each of their and our respective licensees, successors, and assigns. 
  • All of your User Contributions do and will comply with these Terms of Use.  

You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not CCU, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness. 

We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Site. 

By posting, you agree to the following additional terms and conditions: 

  1. You agree to keep your comments and posts relevant to the topic and respectful of others. 
  1. You agree to refrain from posting any material that: 
  1. Contains knowingly false, misleading, deceptive, or defamatory statements; 
  1. Is abusive, offensive, threatening, harassing, hateful, violent, discriminatory, or prejudiced, or advocates same, or is otherwise objectionable; 
  1. Contains obscene or adult language or content, or references to obscene or adult content; 
  1. Contains SPAM or unwanted commercial solicitations;(e) Is confidential or sensitive; 
  1. Violates any applicable laws or regulations; 
  1. Causes annoyance, inconvenience, or needless anxiety or is likely to upset, embarrass, alarm, or annoy any other person; 
  1. Promotes any illegal activity, or advocates, promotes, or assists any unlawful act; 
  1. Impersonates any person or misrepresents your identity or affiliation with any person or organization; 
  1. Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising, except as expressly authorized by CCU; 
  1. Infringes on the legal rights of other persons or entities, including, but not limited, to the copyright trademark or other intellectual property rights of others; or 
  1. Contains HTML tags or special characters including [&*#()!@$]. 
  1. You are solely responsible for the materials you post here. You agree to indemnify and hold harmless CCU, its affiliates, subsidiaries, directors, employees, and agents, with respect to any claims based upon the transmission of your posts. 
  1. CCU reserves the right to remove comments or posts entirely at its discretion for any reason including, but not limited to, violations of these Terms of Use. Due to the real-time nature of some Interactive Services, it is impossible to review every post. CCU does not actively monitor the content of the comments. However, if made aware of a violation of these Terms of Use, any comments may be immediately removed without notice. Repeat offenders may be banned from the Site permanently. 
  1. CCU reserves the right to take any action, including appropriate legal action, with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms of Use, including the content standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Site or the public, or could create liability for CCU. We reserve the right to disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy. 
  1. CCU is not responsible for the content of any post and does not vouch for or warrant the accuracy or usefulness of any information posted. The posts express the views of the author of the post and do not reflect the opinions of this Site’s administrators or official contributors. 

Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Site. YOU WAIVE AND HOLD HARMLESS CCU, AND ITS AFFILIATES, SUBSIDIARIES, LICENSEES, AND SERVICE PROVIDERS, FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY CCU OR ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER CCU OR SUCH PARTIES, OR LAW ENFORCEMENT AUTHORITIES.