Web Site Disclaimer, Terms and Conditions

Before using any web pages or information contained herein or linked hereto, you should carefully read the following disclaimers and important terms and conditions. The site is provided for information purposes only. Your use of the site constitutes your agreement to all terms and conditions herein. If you do not agree to the terms and conditions below, do not access this site or any web pages therein.

Limited License

Sandia Area Federal Credit Union grants you a non-exclusive, non-transferable, limited license to access, use and display the site and the information, graphics, content and materials thereon. You acknowledge and agree that the site and the content are protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws and are provided only for your personal, non-commercial use. You are also granted a limited license to print copies of any content posted at the site, but only for your personal, non-commercial use. Except as expressly provided above, all rights are reserved. You may not display the site, or any portion thereof, in frames (or any of the content via on-line links) without the express written permission of Sandia Area Federal Credit Union.

Trademarks

Sandia Area Federal Credit Union is a registered trademark. Sandia Area Federal Credit Union also claims rights in certain other trademarks and service marks contained and displayed in the site. Use of any of Sandia Area Federal Credit Union’s trademarks or service marks without prior written consent is strictly prohibited.

Use of Information and Materials

The information and materials provided at the site are subject to change without notice. The information provided at the Sandia Area Federal Credit Union web site is for informational purposes only and is not intended to provide specific financial, tax, accounting or legal advice.

Disclaimers

Sandia Area Federal Credit Union is not responsible for any inaccuracies, errors (including typographical errors) or omissions, or for the results obtained from the use of the site or the content. The site, all content, links and any of the services included in or available through the site are provided "as is" and "as available", with no guarantee of completeness, accuracy (either when posted or with the passage of time), timeliness or of the results obtained therefrom, and without warranty of any kind, express or implied, including, but not limited to warranties of title, non-infringement, performance, merchantability and fitness for a particular purpose or use. In addition, Sandia Area Federal Credit Union makes no representations, warranties or guarantees that the site will be secure, accessible continuously and without interruption, or error free. You agree that under no circumstance will Sandia Area Federal Credit Union or our agents, officers or employees thereof be responsible for or liable to you or anyone else for: any content contained on or omitted from the site; any person's reliance on any such content, whether or not the content is complete, current or correct; any viruses or defects that may be found to exist in the site; the consequences of any decision you or any other person takes or fails to take whether or not based on content provided by or resulting from use of the site. The content, and any advice received via the site, is not intended, and should not be relied upon, for personal, legal, tax or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation. If you are dissatisfied with any portion of the site, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the site.

Limit on Damages

Sandia Area Federal Credit Union and our agents, officers or employees shall not be liable for any loss of profits, loss of use, loss of data, interruption of business, nor for indirect, special, incidental, consequential or exemplary damages of any kind, whether under this agreement or otherwise arising in any way in connection with or related to the site, any software used to access the site, any of the services available through the site or the content, your reliance on, use of or inability to use the site, or any error, omission, interruption, or delay in operation, or any computer virus or system failure, regardless of whether such claim arises under any theory of tort, contract, strict liability or otherwise and regardless of whether Sandia Area Federal Credit Union is advised of the possibility of any such damages. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above exclusion or limitation may not apply to you.

Links to External or Third Party Sites

As a convenience to you, Sandia Area Federal Credit Union may provide links to web sites operated by entities other than Sandia Area Federal Credit Union. While these businesses may have a relationship with Sandia Area to provide products or services to our members, they are not under our direct control. If you use a linked site, you will leave the Sandia Area Federal Credit Union site. You use such a site at your own risk, and it is your responsibility to take all protective measures to guard against viruses or other destructive elements and understand the privacy policies of the linked site visited. Sandia Area Federal Credit Union makes no warranty or representation regarding, and does not endorse nor is it responsible for any linked site, the information appearing thereon or any of the products or services described at the linked site. Please note that a linked site may have a privacy policy different from Sandia Area Federal Credit Union and it may provide less security than a Sandia Area Federal Credit Union site. By providing a link to a site, Sandia Area Federal Credit Union does not imply that it endorses, is affiliated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the link, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of Sandia Area Federal Credit Union.

Submissions

All information you submit to Sandia Area Federal Credit Union via the site will be considered to be the property of Sandia Area Federal Credit Union, and Sandia Area Federal Credit Union is free to utilize any information you submit for any purpose, subject to the privacy policy of Sandia Area Federal Credit Union. Personal information contained in e-mail sent by members and non-members may be used by Sandia Area staff to answer questions, to follow up on suggestions or complaints, or to improve the level of service Sandia Area provides. Please be advised that e-mail may not be secure against interception by unauthorized individuals. Therefore, if you wish to communicate sensitive or personal information, you may want to use our Secure e-Mail within Online Banking.

Indemnity

You agree to indemnify Sandia Area Federal Credit Union and its directors, officers and employees against any liabilities, losses, expenses or other costs Sandia Area Federal Credit Union incurs arising from a breach of any of the terms hereof by you and for the content of any message sent using email.

Suspension and Termination

Sandia Area Federal Credit Union may modify, terminate and/or suspend your access to the site, the related services or any portion thereof at any time, without notice. Sandia Area Federal Credit Union may also impose limits on certain features and services or restrict your access to parts or all of the site without notice or liability. Sandia Area Federal Credit Union may also, at any time, discontinue providing the site, or any part thereof, with or without notice.

Amendments and Modifications

Sandia Area Federal Credit Union reserves the right to change, modify, add or remove any portion of this agreement in whole or in part, at any time, by posting the amended terms on the site. The new terms shall automatically be effective at the time of posting. It is strongly recommended that you review the web site terms and conditions each time you use the site, and your use of the site will be subject to the web site terms and conditions posted at the time of that use. Your use of that site after the posting will be considered acceptance of any changes to the web site terms and conditions.

Governing Law

This agreement is governed by the laws of the State Of New Mexico, U.S.A., without regard to its principles of conflict of laws. The site is not intended for distribution to, or use by, any person or entity, or any jurisdiction or country where such distribution or use would be contrary to local law or regulation, would subject Sandia Area Federal Credit Union to any liability or would not give effect to all of the provisions of this agreement. You may not access the site or the content where such access is illegal or prohibited or where such access would subject Sandia Area Federal Credit Union or its affiliates to any liability.

Use for Illegal or Prohibited Activities

It is prohibited to use the site in violation of the terms of this agreement, in any manner which could damage, disable, interrupt, overburden, or impair the site or interfere with any other party's use and enjoyment of the site or for any illegal activities. Illegal activities include, but are not limited to, tampering with information data bases and software, unauthorized entry to other networks or computers, trafficking in illegal products or substances, disobeying trade restrictions, violating civil rights laws or knowledgeable vandalism or destruction of online files. You agree to comply with all applicable laws, rules and regulations regarding your use of the site, which regulate the distribution of materials and services originating in the United States of America.

Agreement to Arbitrate

All disputes relating to this agreement, use of the site, or any information or services provided on the site, shall be subject to final and binding arbitration, with the losing party paying all the costs of arbitration. Any arbitration relating to this agreement shall be held in the County of Bernalillo, State of New Mexico, under the rules of the American Arbitration Association.

Complete Agreement

This agreement constitutes the entire agreement between you and Sandia Area Federal Credit Union relating to your access and use of the site. Sandia Area Federal Credit Union's failure to insist at any time

upon strict compliance with any term of this agreement, or any delay or failure on Sandia Area Federal Credit Union's part to exercise any power or right given to Sandia Area Federal Credit Union in this agreement, shall at no time operate as a waiver of such power or right. Any rights and powers given to Sandia Area Federal Credit Union in this agreement are not exclusive, and Sandia Area Federal Credit Union may exercise any other powers or rights which it has in law or in equity. The rights of Sandia Area Federal Credit Union may be exercised cumulatively, or separately, as Sandia Area Federal Credit Union may choose. The use of any captions in this agreement are for convenience only. If any portion of this agreement is deemed to be invalid or unenforceable, then the balance of the agreement shall remain enforceable, and the unenforceable portion of the agreement shall be read in such a way that it is enforceable.

Privacy

Sandia Area Federal Credit Union is committed to protecting the privacy of its members and other users of its Web site. The privacy policy of Sandia Area Federal Credit Union is available for review here. The following data is collected when viewing our sites:

General Web Site Pages

Sandia Area Federal Credit Union utilizes analytics and tracking methods through Google to remarket and target specific audiences through advertising online. Third-party vendors, including Google, show Sandia Area Federal Credit Union’s ads on sites across the Internet. Third-party vendors, including Google, use cookies to serve ads based on someone's past visits to the Sandia Area Federal Credit Union website. Information about how you can opt out of Google's use of cookies by visiting Google’s Ads Preferences Manager.

Applications and Forms

Only business related information is requested on any Sandia Area online application. This information is used only for review of qualifications for the loan, account, or service for which you are applying. Any information gathered during member application is not given or sold to third parties.

By sending or posting a message on any feedback form on the Sandia Area Federal Credit Union Website, you agree to have it along with your name posted for public viewing both here and in other Sandia Area Federal Credit Union promotional and advertising materials without compensation. All messages that are posted here represent the ideas or opinions of Sandia Area Federal Credit Union Web Site users and do not represent the ideas or opinions of Sandia Area Federal Credit Union. You may copy them as much as you’d like for personal use, but redistribution in any way requires the permission of Sandia Area Federal Credit Union. In consideration of this authorization, you agree that any copy of this information, which you make, shall retain all copyright and other proprietary notices contained herein.

Online Banking, e-Statements & eNotices and Mobile Banking

Personal identifying information, excluding passwords, is collected when a member logs on to Online Banking, eStatements & eNotices, Online Bill Pay, and Mobile Banking. This information enables Sandia Area to regulate entry and to measure member usage. Any personal identifying information gathered during member registration is not sold to third parties. Our systems are secure and require access from a browser that supports 128-bit encryption. More information about Online Banking and Online Banking Security.