Understanding our agreement.
These Wescom Credit Union terms and conditions outline the legal framework for using our website and online banking services. They cover website usage, intellectual property, account security, and limitations of liability, ensuring a clear understanding of user responsibilities.
The Wescom Credit Union website is provided for informational purposes and for accessing your accounts. All content, including text, graphics, logos, and images, is the property of Wescom Credit Union or its content suppliers and is protected by intellectual property laws. Users are granted a limited, non-exclusive, non-transferable license to access and make personal use of the site, but not to download (other than page caching) or modify any portion of it without express written consent.
While Wescom Credit Union strives to provide accurate and up-to-date information, we do not warrant the completeness, reliability, or accuracy of any content. Information on interest rates, product features, and service availability is subject to change without notice. Users should verify any critical information directly with Wescom Credit Union personnel or through official account statements. For general information on consumer financial protection, you can visit the Consumer Financial Protection Bureau (CFPB) website.
Unauthorized use of the Wescom Credit Union website, including but not limited to attempts to gain unauthorized access to systems or accounts, introduction of malicious software, or interference with website operations, is strictly prohibited and may result in legal action. We reserve the right to terminate access for any user violating these guidelines.
Access to your personal Wescom Credit Union accounts through our website requires secure login credentials, including a username and password. You are solely responsible for maintaining the confidentiality of your login information and for all activities that occur under your account. It is critical to choose strong, unique passwords and to avoid sharing them with anyone.
Wescom Credit Union employs various security measures to protect your information; however, no online system is entirely impenetrable. By using our online banking services, you acknowledge and accept the inherent risks of electronic communication and agree to comply with all security protocols.
Wescom Credit Union will not be liable for any damages arising from the use or inability to use its website or services, including direct, indirect, incidental, punitive, and consequential damages. This limitation applies even if Wescom Credit Union has been advised of the possibility of such damages. Our liability is expressly limited to the extent permitted by applicable law.
"Users agree that their use of the Wescom Credit Union website and services is at their sole risk. Wescom Credit Union provides its services on an 'as is' and 'as available' basis."
Any disputes arising under these Wescom Credit Union terms and conditions will be governed by the laws of the state of California, without regard to its conflict of law principles. Users agree to submit to the exclusive jurisdiction of the state and federal courts located in California for the resolution of any such disputes. Before pursuing formal legal action, Wescom Credit Union encourages users to first contact our member services to attempt an informal resolution of any concerns or issues.
| Aspect | User Responsibility | Wescom Credit Union Responsibility | Key Implication |
|---|---|---|---|
| Website Content Accuracy | Verify critical information | Strive for accuracy, but disclaims warranty | Information is subject to change |
| Account Security | Safeguard login credentials | Implement security measures | User is liable for unauthorized use of credentials |
| System Availability | Ensure compatible hardware/software | Provide reasonable uptime | Service interruptions may occur |
| Dispute Resolution | Contact member services first | Adhere to California law for disputes | Formal action is a last resort |
Wescom Credit Union