Online Statement Terms and Conditions

Texans Credit Union - Online Statement Terms and Conditions
(e-Statements)

PLEASE READ THIS AGREEMENT COMPLETELY BEFORE INDICATING YOUR AGREEMENT TO ACCEPT YOUR PERIODIC STATEMENTS AND RELATED DISCLOSURES ELECTRONICALLY.

TRANSMITTAL OF ELECTRONIC STATEMENTS
By clicking the "Agree" button when enrolling in e-Statements and by electing to receive your statements and notices electronically in the manner set forth in the Texans' Online Statements Terms and Conditions (“Terms and Conditions”), you agree to electronically accept your Texans Credit Union (Texans) periodic statements and notices, including but not limited to account notices, tax forms and all legal notices or disclosures that normally accompany your mailed statement, or that we would otherwise deliver to you by mail concerning your accounts or services, by accessing the Texans web site. The following is a brief description of the various requirements and features for using the Online Statement Service (Service). From time to time, we may add to, modify, or delete any feature or requirement of the Service in our sole discretion. You request that Texans transmit your statement to you electronically, and you agree to the terms and conditions set forth in this agreement. You can withdraw your consent at any time as described below under “Change Statement Delivery Method.”

SECURITY PROCEDURES
You acknowledge that you will be able to retrieve your statements electronically through the use of a personal identification number (PIN), which you will choose. You acknowledge that, if you disclose your PIN to anyone else or if your PIN is lost or stolen, third parties may be able to access your credit union statements. You agree that Texans will not be liable for any loss caused by the authorized or unauthorized use of your PIN by any third party to access your statements and notices. You agree to keep your PIN in a safe place, and you agree that the security of your PIN will be your responsibility at all times. You agree to the security methods and techniques set out in the Terms and Conditions. You agree that Texans will not be liable for any loss arising out of your use of the Service if Texans observes the security methods presently set out in the Terms and Conditions, or as they may be amended from time to time. Further, you agree that Texans will not be liable for any loss arising out of your use of the Service under any circumstances if you fail to comply with the Terms and Conditions and the recommendations set forth in the Terms and Conditions.

If you lose or forget your PIN, please contact Member Service at (972) 348-2000 or our toll free number 1-800 843-5295.

TECHNOLOGY REQUIREMENTS
The minimum requirements for optimal viewing of online statements, notices and disclosures are:

  • personal Computer with internet access; and
  • up-to-date Internet browser that we support to access the Service; and
  • up-to-date software that enables you to view these files in the portable document format (PDF);
  • a valid e-mail account and software to access it; and
  • a method by which to store statements; (e.g. printer, download capability, sufficient memory space on computer or disk drives).

If your browser does not meet the necessary requirements listed on the chart below, then you may experience slowness and other issues when you try to access e-Statements. For the best possible experience, we recommend that you update your preferred browser to the latest version using the following links:

The following outlines the minimum requirements for using e-Statements:

General: Internet Access
A browser that supports 128-bit strong encryption
A broadband connection
Windows®
Operating System:
Windows XP, Windows 7
Internet Explorer 8 and higher
Google Chrome 10 and higher
Firefox 3.0 and higher
Safari 3.0 and higher
Macintosh®
Operating System:
Mac OS-X Tiger, Leopard and Snow Leopard
Safari 3.0 and higher
Google Chrome 10 and higher
Firefox 3.0 and higher

ENROLLMENT
When enrolling in the Service you must agree to these Terms and Conditions, and provide us with a valid email address. After enrolling, your periodic statement will be available online with the next statement cycle, at which time you will no longer receive paper statements. In addition, all notices, including but not limited to, account notices, tax documents, legal notices and disclosures will be delivered to you in the Service.

ACCESS
Your online statement and notices will be available to you in the Service. Up to 14 months of online statements are available for viewing as your history accumulates. You are responsible for printing and downloading copies of your statement for your permanent records. If you require a copy of your statement after the 14 month period has ended, you must follow the procedure described below for obtaining a paper copy.

PAPER STATEMENT REQUESTS
You may request a printed statement by submitting a request via Texans Online Banking, calling (972) 348-2000, or our toll free number 1-800 843-5295. You may be charged for each copy requested. Please refer to your Deposit Account Disclosure or the Texans Fee Schedule for applicable fees.

EMAIL ADDRESS MAINTENANCE
It is your responsibility to notify us if you change your email address. You may change your email address by going to the Service’s Customer Service tab and then submitting your new email address. Unless otherwise prohibited by law, rule or regulation, if our email to you is returned as undeliverable, we may discontinue sending email messages, discontinue future online statements and switch your account statements to paper statements sent by the U. S. Postal Service until you provide us with a valid email address.

CHANGE STATEMENT DELIVERY METHOD
At any time, you may change the way we send you online statements and notices by changing your delivery preference in the Service. You may also contact us at 972.348.2000 or our toll free number 1-800-843-5295 to change your delivery method. Withdrawal of consent for the Service may result in a fee or charge. Please refer to your Deposit Account Disclosure or the Texans Fee Schedule for applicable fees. At our option, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to use the Service. We will not impose a fee to process the withdrawal of your consent to receive electronic statements and notices; however your access and use of the Service may be terminated. When you change your statement delivery option, the change will take effect in your next statement cycle.

When you tell us to stop sending you mailed (paper) statements, we will send you an e-mail each statement cycle to let you know that your current statement is ready to be viewed online at the Service. When you de-enroll and tell us to stop sending you statements and notices electronically, your history will be deleted as of the first month following your de-enrollment. If you wish to print or save to a file your available statements, you must do so before the end of the month that you tell us that you want to receive paper copies. If you would like to receive online statements after de-enrolling, you will not be able to re-enroll until the following month. All online statement history is deleted and once you re-enroll new history will begin accumulating.

TERMINATION
We may terminate delivery of the Service to you without notice at which time you will receive paper statements and notices, if applicable, the following statement cycle. You will not be able to re-enroll until the following month. All Texans' statement history is deleted and once you re-enroll, new history will begin accumulating.

LIABILITY
We will use our best efforts to deliver your electronic statements and notices in a timely manner and in accordance with any applicable requirements by law. Texans shall incur no liability if we are unable to deliver your electronic statements and notices due to the following:

  • Circumstances beyond our control such as, but not limited to, fire, flood, interruption in telephone and/or internet services or other communications failures, equipment or facility failure, interference from an outside force, Acts of God, legal restrictions or delays in electronic mail service that may prevent proper delivery and that we have taken commercially reasonable precautions to avoid those circumstances.
  • EVEN IF TEXANS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES, WE WILL NOT BE LIABLE TO YOU OR ANY OF YOUR EMPLOYEES, AGENTS, CUSTOMERS OR ANY THIRD PARTIES FOR ANY DAMAGES ARISING FROM USE OF THE SERVICE, INCLUDING WITHOUT LIMITATION: PUNITIVE, EXEMPLARY, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, LOSS OF PRIVACY OR SECURITY DAMAGES; PERSONAL INJURY OR PROPERTY DAMAGES; OR ANY DAMAGES WHATSOEVER RESULTING FROM INTERRUPTION OR FAILURE OF THE SERVICE, LOST PROFITS, LOSS OF BUSINESS, LOSS OF DATA, LOSS DUE TO UNAUTHORIZED ACCESS OR DUE TO VIRUSES OR OTHER HARMFUL COMPONENTS, COST OF REPLACEMENT PRODUCTS AND SERVICES, THE INABILITY TO USE THE SERVICE, THE CONTENT OF ANY DATA TRANSMISSION, COMMUNICATION OR MESSAGE TRANSMITTED TO OR RECEIVED BY YOUR DEVICE, ACCESS TO THE WORLD WIDE WEB, THE INTERCEPTION OR LOSS OF ANY DATA OR TRANSMISSION, OR LOSSES RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR MESSAGES OR DATA RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THE SERVICE.

CHANGE IN TERMS
We may change any term of the Online Statement Terms and Conditions at any time. If you do not wish to accept the change, you may terminate the Service by un-enrolling in e-statements.

ADDITIONAL PROVISIONS
You acknowledge and agree that, by requesting that your statements and notices be delivered electronically, you will not receive paper statements or notices. All notices, including but not limited to change in terms notices, privacy notices, other notices about your account and tax documents will be delivered electronically. You acknowledge and agree that, if Texans in its judgment believes that the transmission of your statements electronically is no longer viable, or that any such transmission may give rise to security or operational concerns, Texans may cease the electronic delivery of your statements and provide you with paper statements in lieu thereof.

You acknowledge and agree that you have read and you understand the Terms and Conditions set out herein, that any e-mail address you provide to the credit union is accurate, that you will promptly notify Texans of any change in your e-mail address in the manner prescribed, that you have a computer that meets the minimum system requirements set out in the Terms and Conditions, and that you have a printer or have access to a printer with the ability to download information in order to keep copies of your statements for your records.

IF YOU AGREE TO THE FOREGOING, PLEASE INDICATE BY CLICKING THE "AGREE" BUTTON BELOW. YOU MAY NOT SIGN UP FOR ONLINE STATEMENTS UNLESS YOU INDICATE YOUR AGREEMENT BELOW. (These terms and conditions are agreed to upon enrollment.)


e-statement.com® TERMS AND CONDITIONS

DISCLAIMER OF WARRANTIES
e-statement.com® SERVICES (THE "SERVICES") ARE PROVIDED TO YOU ("YOU OR YOUR") IN PART BY MICRODYNAMICS, GROUP, INC. ("COMPANY"). USE OF THE SERVICES IS SOLELY AT YOUR OWN RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND WITH RESPECT TO THE SERVICES, WHETHER EXPRESS OR IMPLIED INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. COMPANY MAKES NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OR WILL BE UNINTERRUPTED, TIMELY, SECURE, CURRENT, ACCURATE, COMPLETE, ERROR-FREE OR VIRUS-FREE, OR THAT THE RESULTS THAT MAY BE OBTAINED BY USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE. YOU UNDERSTAND AND ACKNOWLEDGE THAT YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO ANY DEFECT IN OR DISSATISFACTION WITH THE SERVICES IS TO CEASE TO USE THE SERVICES.

LIMITATION OF LIABILITY
YOU EXPRESSLY UNDERSTAND AND AGREE THAT COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA LOSS, OR OTHER LOSSES (EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM: (i) THE USE OR
INABILITY TO USE THE SITE OR THE SERVICES, (ii) THE COST OF PROCUREMENT OF ANY SUBSTITUTE PRODUCTS AND/OR SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES OBTAINED OR WHICH YOU WERE UNABLE TO OBTAIN OR TRANSACTIONS EFFECTED OR FAILED TO BE EFFECTED, (iii) ANY LINK PROVIDED IN CONNECTION WITH THE SERVICES, OR (iv) ANY MATTER OTHERWISE RELATED TO YOUR USE OF THE SITE OR THE SERVICES.

DISCLAIMER OF CONTENT
You understand and acknowledge that Company assumes no responsibility to screen or review Content provided as part of the Services, and that Company shall have the right, but not the obligation, in its sole discretion to refuse, monitor, or remove any Content that is available on the Site or through use of the Services. Company expressly disclaims all responsibility or liability to you or any other person or entity for the performance or nonperformance of Content review. YOU ACKNOWLEDGE AND AGREE THAT YOU ASSUME ALL RISK ASSOCIATED WITH THE USE OF ANY AND ALL CONTENT.

NO RESALE OF SERVICES
You agree to use the Services solely for your own purposes and not to use or exploit any portion of the Site or the Service for commercial purposes not related to your personal use.

OWNERSHIP OF CONTENT
You understand and agree that your use of the Services entitles Company to use, monitor and preserve copies of all information and Content and to disclose such if required to do so by law or in the good faith belief that such disclosure will promote compliance with legal process, enforcement of these Terms and Conditions, assistance in responding to claims that Content violates the rights of third parties, protection of the personal safety of any person, or protection of the property rights of Company or any other person or entity.

INDEMNITY
You agree to defend, indemnify and hold Company, its subsidiaries, affiliates, officers, directors, employees and agents, harmless from and against any third party claim, action or demand ("Claim") and all liabilities and settlements related thereto, including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your use of the Site, its Content or Services (including any interactive areas of the Services) in a manner that violates these Terms and Conditions. Company shall provide notice to you promptly of such Claim and shall reasonably cooperate with you, at your expense, in your defense of any such Claim.

TRADEMARK INFORMATION
e-statement.com® is a trademark of Company. Other trademarks are owned by Company and/or its affiliates and third parties and are used with the permission of their respective owners. You agree not to use or display trademarks without the prior written consent of Company or the owner of such mark.

COPYRIGHT INFORMATION
The Content of the Services is owned by Company and/or its affiliates and third parties and is protected by the United States Copyright Act of 1976, as amended, and the copyright laws of other countries. Certain materials are provided by third parties or used by permission of their respective owners. The Content of the Services, including graphic images, buttons, and text, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way without the prior written permission of Company, except that, subject to your compliance with these Terms and Conditions, Company authorizes you to view or download a single copy of the Content solely for your use in your business provided that you keep intact all copyright, trademark, and other proprietary notices. Modification of Content or use of Content for any other purpose is a
violation of the rights of Company, its affiliates or third parties. Nothing herein shall be construed as conferring by implication, estoppel, or otherwise, any license or right under any copyright, patent, trademark, or other proprietary interest of Company, its affiliates or third parties.

JURISDICTION AND VENUE
You and Company and any of its affiliates, employees, contractors, officers, or directors agree that this Agreement and the relationship between you and Company will be governed by the laws of the State of Illinois, without respect to its conflict of laws provisions and that venue with respect to any dispute between you and Company will rest exclusively in the courts of Cook County and the federal court for the Seventh District of the Northern District of Illinois.

NOTICE
Company may provide notice to you by email or regular mail. The Service may also provide notice of changes to the Terms and Conditions at any time and from time to time by displaying notices to you on pages of the Site.

GENERAL PRACTICES REGARDING STORAGE
You understand and agree that Company may from time to time establish and revise practices and limitations concerning your use of the Service. You agree that Company shall have no liability for the deletion or failure to store any information, communications or other Content maintained on the Site or transmitted using the Site or the Service.

TERMINATION OF REGISTRATION
You acknowledge and agree that Company may terminate your password and/or other access privileges and remove and discard any Content without notice to for any reason, including without limitation, if: (i) you do not use the Services for what Company, in its sole discretion, deems to be an extended period of time; (ii) Company believes that you have violated any of these Terms and Conditions, (iii) you have otherwise acted or failed to act in any manner that Company deems objectionable. You agree that any termination of your access to the Site or the Service shall not result in any liability or other obligation of Company to you or any third party in connection with such termination.

MISCELLANEOUS
These Terms and Conditions constitute the entire agreement between you and Company and govern your use of the Services. You also may be subject to additional terms and conditions that may apply when you use third party content or services available through the Services. If any provision of these Terms and Conditions is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall  remain in full force and effect. The failure of Company to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or condition. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the Services or these Terms and Conditions must be filed within one year after such claim or cause of action arose. The section titles of these Terms and Conditions are merely for convenience and will not have any effect on the substantive meaning of this Agreement.

If you agree to the foregoing Terms and Conditions, please indicate your agreement by clicking the box labeled "Agree". If you do not agree to these Terms and Conditions, please click "Disagree" and your access to the Site will be restricted to public pages. (These terms and conditions are agreed to upon enrollment.)

 

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24-Hour Account Access Line: 972.348.2001 (800.843.6426)

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