By clicking I Accept, you confirm that you have read the terms
and conditions, that you understand them and that you are in compliance with
them. YOU WILL NO LONGER RECEIVE A PAPER STATEMENT IN THE MAIL.
E-Statement Services
Agreement
This Agreement describes your rights and obligations as a user
of the e-Statement Service ("Service"). It also describes the rights
and obligations of Guardian Credit Union. Please read this Agreement carefully.
By pressing the “I Accept” button below, you elect and authorize us, at our
discretion, to electronically deliver your account statement(s), which we are
required to provide to you under applicable Federal and State statutes and
their implementing regulations.
Other Federal and State statutes may be enacted or amended in
the future to provide for electronic delivery of account statements. Your
acceptance below also authorizes us, at our discretion, to provide electronic
delivery of such statements pursuant to these statutes after they become effective.
If there is more than one owner that is a party to the account, notice to any
one account owner will be effective for all.
You further agree to comply with the supplemental terms and
conditions set forth in this agreement, which are set
forth below.
Definitions
The following definitions apply in this Agreement.
"E-Statement" is the Internet-based service in which
Guardian Credit Union delivers periodic encrypted account statements to a
secure web site. “E-mail” messages are sent to the e-mail address you specify
as a convenience when statements are posted for your retrieval. "Password" is the code you create
when enrolling for use in opening and decrypting your electronic statement.
“We” “us”, “Guardian Credit Union”, or “GCU” refers to Guardian Credit Union,
which offers the Service, and which holds the accounts for which statements are
being provided through the Service.
Access to Services
You will gain access to your e-Statement through the use of
your Internet-enabled device, your Internet Service Provider, and your Password.
Security Measures
We will use commercially reasonable measures, consistent with
industry standards, to maintain a reasonable level of security over the
information contained in the electronically delivered account statement(s). Our
security consists of 128-bit encryption of the data contained in the electronic
statement to protect it while in transit over the Internet.
You understand that these industry standards are dynamic and
constantly developing. By accepting this agreement, you acknowledge and
understand that there are risks to electronic delivery of account statement(s),
including, but not limited to, delay or failure of delivery due to technical
difficulties, weather conditions, matters beyond our reasonable control, or
interruption and/or alteration of such account statement(s) by third parties in
spite of GCU's commercially reasonable security measures.
By accepting this agreement, you represent that you have
considered our security measures, and find that our security measures are
commercially reasonable. In reaching this conclusion, you have considered the
historical and potential future content of your statement(s), the risks
associated with electronic delivery of account statement(s), and our security
procedures. If you conclude that our security procedures cease to be
commercially reasonable in the future, you must terminate this agreement
immediately in accordance with the procedure outlined below.
Required Computer Specifications
To receive electronic statements,tax forms, notices, and disclosures, your computer
will need one of the following web browser applications:
Internet Explorer 7 or Above
Firefox 3.6 or Above
Google Chrome
We also recommend that you have the Adobe Acrobat Reader
installed for additional functionality
E-mail Address
We will send your periodic account statement(s) notification
to you via e-mail to the last known e-mail address provided by you. You agree
to notify us promptly of any change of your e-mail address using the procedures
set forth below. If you have not notified us in writing of any change to your
e-mail address, you agree that your failure to provide us with a good e-mail
address is the lack of ordinary care on your part, and we will not be
responsible for any loss that occurs as a result of this failure.
Use of your Security
Password
You agree not to allow anyone to gain access to the Service or
to let anyone know your Password used with the Service. You further agree that GCU
has no control as to the persons who have access to your personal computer and
your Password. GCU will not be liable for any unauthorized access to your
personal computer using your Password. You agree that it is your responsibility
to initiate and maintain the highest level of password security procedures to
prevent any unauthorized access to your personal computer or unauthorized use
of your Password.
Notice of Unauthorized
Access
If you believe your electronic statement has been lost or
stolen, or that someone has obtained access to your electronic statement
without your permission, immediately call any Guardian Credit Union location
between 9:00 a.m. and 5:00 p.m. (Central Standard Time), and ask for the Member
Services Department.
Changing Your Security
Password / E-mail Address
If you would like to change your e-mail address, you must
notify us in writing. If you would like to have your password reset, contact a
Member Services Representative at 414-546-7450 or visit any GCU branch.
Prompt Statement Review
You must promptly review your electronic statement and any
accompanying items. If you discover any errors, unauthorized signatures or
alterations, you must promptly notify us of the relevant facts by writing us at
the address listed below. You may also telephone us at 414-546-7450, but doing
so will not preserve your rights.
Guardian Credit Union
Attention: Member Services Department
4501 W. Greenfield Ave.
West Milwaukee, WI 53214-5306
Any applicable time periods within which you must notify us of
any errors on your account statement(s) shall begin on the day it is sent to
you by e-mail, regardless of when you receive and/or open the e-Statement. You
agree that the time you have to examine your statement and report to us will
depend on the circumstances, but will not, in any circumstance, exceed a total
of 60 days from when the statement is first sent or made available to you.
You further agree that if you fail to report any unauthorized
signatures, alterations, forgeries, or any other errors in your account within
60 days of when we first send or make the statement available, you cannot
assert a claim against us on any items in that statement, and as between you
and us the loss will be entirely yours. This 60-day limitation is without
regard to whether we used ordinary care. The limitation in this paragraph is in
addition to that contained in the first paragraph of this section.
Limit of Guardian
Credit Union and Other Provider's Responsibility
Guardian Credit Union agrees to make reasonable efforts to
ensure full performance of the e-Statement Service. We shall have no liability
for failure to perform any e-Statement Service, or for any disruption or delay
in performing e-Statement Service, in the event such failure, disruption, or
delay is due to circumstances beyond our reasonable control, including, but not
limited to, failure or disruption of electrical power, computer equipment,
telecommunication systems, your Internet Service Provider, or weather
conditions. We shall have no liability for any consequential, special, punitive
damages or indirect loss under any circumstances. Guardian Credit Union is not
responsible for any computer virus or related problems, which may be attributable
to the Service.
You are responsible for obtaining, installing, maintaining,
and operating all computer hardware and software necessary for receiving
e-Statements. Guardian Credit Union will not be responsible for any errors or
failures from the malfunction or failure of your hardware or software.
We make no warranties of any kind with respect to the software
program used to access your electronic statement, and we do not warrant that the
software program or the e-Statement Service will meet your specific
requirements. We make no warranties of any kind, whether expressed or implied,
with respect to the use and adequacy of the software program or the e-Statement
Service we provide under this agreement. We disclaim any and all implied
warranties, including, but not limited to, the implied warranties of
merchantability and fitness for a particular purpose.
Under no circumstances will Guardian Credit Union be liable in
contract, tort, or otherwise for any special, incidental, or consequential
damages, whether or not foreseeable. By consenting to use the Services, you
agree to waive any and all rights to any of the aforesaid, and you acknowledge
that the limit of your remedy is as otherwise expressly set forth herein.
Other agreements
In addition to this Agreement, you and Guardian Credit Union
agree to be bound by and comply with the requirements of the agreements
applicable to each of the accounts for which you elect to receive electronic statements.
Your use of the e-Statement Service is your acknowledgment that you have
received these agreements and intend to be bound by them. You should review
other disclosures received by you when you open your accounts at Guardian
Credit Union.
Modifications to this
Agreement
Guardian Credit Union may modify the terms and conditions
applicable to the Service from time to time upon mailing or delivering a notice
of the modifications to you at the address shown on our account records, and
the revised terms and conditions shall be effective at the earliest date
allowed by applicable law. We may send any notice to you via electronic mail
and you will have been deemed to receive it three (3) days after it is sent. We
reserve the right to terminate this Agreement and your use of the Services in
whole or in part at any time without prior notice.
Inactivity /
Termination
To cancel the e-Statement Service, you must notify Guardian
Credit Union and provide your name, address, and the effective date to stop the
Service. You may notify Guardian Credit Union by one of the following methods:
(1) By initiating contact through our Web site
(2) By calling any Guardian Credit Union location between 9:00
a.m. an5:00 p.m. (Central Standard Time), and asking for the Member Services
Department.
(3) By writing a letter and either sending it to the following
address or giving it to a GCU employee:
Guardian Credit Union
Attention: Member Services Department
4501 W. Greenfield Ave.
West Milwaukee, WI 53214-5306
Governing Law
This Agreement is governed by the laws of the State of Wisconsin
and applicable Federal law.
Fee Schedule
Guardian Credit Union offers the benefits and convenience of
the e-Statement Service to you free of charge.