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ADA COMPLIANCE NOTICE, POLICIES AND TERMS & CONDITIONS

 1. CUNA
 2. Legal

The Credit Union National Association (CUNA) and National Association of
Federally-Insured Credit Unions (NAFCU) legally combined Jan. 1, 2024, and is
now America’s Credit Unions. While we transform to one new association, we will
strive to maintain this website with the most up-to-date information as
possible. Please contact info@nafcu.org/hello@cuna.coop should you need
assistance.

While visiting cuna.org you will be governed by the following policies and
practices. Please review these terms carefully. If you do not agree to these
terms, you should not use this site or Credit Union National Association (CUNA)
products or services.


AMERICANS WITH DISABILITIES ACT COMPLIANCE

If you need accommodations to use this website and/or are using a screen reader
and are having problems using this website, please call 1-800-356-9655 for
assistance.


PRIVACY POLICY

CUNA is committed to responsible use of your personal and business information
(“Information”). This Privacy Policy is an expectation you can have in all your
dealings with CUNA. This Privacy Policy is effective June 1, 2020.

WHAT INFORMATION WE COLLECT AND HOW WE USE IT

We collect certain personal, business, education, geographic and demographic
Information such as name, address, phone, email addresses, identification
numbers, call report, survey data. We also collect additional information, most
often provided directly by you. We also collect certain information relating to
your visits to our websites. When you visit a website, you disclose certain
information, such as your Internet Protocol (IP) address, the type of browser
and operating system used to access our website, the time of your visit and the
pages you visit and the information you request. CUNA’s website, like many other
sites, records this basic information about visits to our website. We use
Information to promote, provide and confirm purchase of products and services,
both from CUNA and its partners/vendors, and to improve on the quality of
products and services provided. We use the information to educate ourselves on
our members to best address member needs and desires, to track and measure web
usage, to improve our websites and web-based services, and to efficiently
communicate with you. Information we collect is not sold to third parties but
may be disclosed when it facilitates the offering, provision or administration
of products and services, or when it is required by legal process. We may share
Information with CUNA affiliates, such as credit union leagues, vendors,
exhibitors or sponsors.

HOW WE COLLECT INFORMATION

Information we collect is most often voluntarily provided by you, for example by
your creation of an account, registration for events or purchase of
products/services, but is sometimes obtained from public or third-party sources,
or in some instances through the use of "cookies." A cookie is a small text file
that allows the storage of such information. Most browsers are set up to accept
cookies, but you can change your settings to have your browser notify you when
you receive a new cookie or to refuse to accept cookies. Cookies are important
and necessary part of providing personalized services to our users.  Our service
uses the following tracking methods: Local log files from our server and Google
Analytics.  You can opt out of Google Analytics without affecting how you visit
our website. For more information on opting out of Google Analytics
tracking, visit this Google page.  We do not currently support the capability to
respond to web browser “do not track” signals. 

HOW WE PROTECT INFORMATION

We maintain physical, electronic and procedural safeguards to protect your
nonpublic Information. Because there are inherent risks to confidentiality
associated with the Internet, CUNA has made substantial investment in technology
to protect the Information it collects. Your access to some services and content
is password protected. We advise that you do not disclose your password to
anyone.  You are solely responsible for keeping your password confidential and
secure.  You understand that you are responsible for all use (including any
unauthorized use) of your username and password. If your username or password is
lost or stolen, or if you believe there has been unauthorized access to your
account by a third party, you must notify us immediately and change your
password as soon as possible. In addition, we recommend you sign out of
password-protected services at the end of your session. When necessary, such as
for credit card information, we use encryption, and only authorized individuals
have access to your Information. This policy will be kept current on this site
and we invite you to refer to it regularly.  If we make material changes, we
will post a notice on the home page of our website with a link to the revised
Privacy Policy.  Any such changes will be effective immediately upon posting,
unless otherwise stated in the change. Should this site link to another non-CUNA
site, we urge you to also visit their privacy pages.

HOW YOU CAN ACCESS YOUR INFORMATION

If at any time you have questions regarding, or are in any way uncomfortable
with the collection or use of your Information, we urge you to contact us
directly by sending an email to Hello@cuna.coop by calling 1 800 356-9655 so
that we may answer your questions or otherwise address your concern. 
Additionally, you may request information about our disclosures of certain
categories of personal data to third parties for direct marketing purposes. 
Such requests must be submitted to us at one of the following
addresses: hello@cuna.coop.  

HOW LONG WE KEEP PERSONAL INFORMATION

We will maintain personal information about you for as long as necessary in
connection with both our and your legal rights and obligations for the purposes
for which it was collected, to defend or advance legal claims, or otherwise
required by applicable legal requirements.

WHAT ARE YOUR PRIVACY RIGHTS?

You may be entitled to request that we disclose to you personal information we
have collected about you, the categories of sources from which we collected the
information, the purposes of collecting the information, the categories of third
parties with whom we have shared the information, and the categories of personal
information that we have shared with third parties for a business purpose.  In
some instances, you may have the right to receive the information about you in a
portable and readily usable format.  Subject to certain conditions, you may be
entitled to request that we delete personal information about you.  Before
providing any information or deleting information, we must be able to verify
your identity.  We will not delete personal information about you when the
information is required to fulfill a legal obligation, is necessary to exercise
or defend legal claims, or where we are required or permitted to retain the
information by law. We currently do not sell personal information to third
parties. We may share personal information about you with our vendors and 
partners and as permitted by law.   You may unsubscribe at any time by clicking
the unsubscribe link or by unsubscribing in your account settings.  If you would
like to appoint an authorized agent to make a request on your behalf, and that
agent is not already authorized to access your account, we require you to verify
your identity with us directly before we provide any requested information to
your approved agent. We do not discriminate against you if you choose to
exercise these rights.


CODE OF CONDUCT FOR MEETINGS AND EVENTS

CUNA holds live and virtual professional conferences and meetings to enable its
members to receive continuing education, build professional networks and
discover new products and services for professional use. This Meetings & Events
Code of Conduct applies during all CUNA meeting-related events, including those
sponsored by organizations other than CUNA but held in conjunction with CUNA
events, in public or private facilities. CUNA is committed to providing a
productive and welcoming environment for all attendees. CUNA seeks to provide a
conference environment in which diverse participants may learn, network and
enjoy the company of colleagues in an environment of mutual human respect. 

All CUNA related individuals, including, but not limited to, attendees,
speakers, volunteers, exhibitors/vendors, CUNA staff, service providers and
others involved in the events, are expected to abide by this code, specifically,
to uphold the principles of Integrity, Respect and Responsibility:

 * Integrity: acting in an honest and ethical manner;
 * Respect: honoring differences in people, ideas, and opinions; and
 * Responsibility: accepting ownership for one’s own conduct.

CUNA is also dedicated to providing a harassment-free experience for everyone
based on race, religion, citizenship, gender (including pregnancy), national
origin, age, disability, veteran status, genetic information or any other
protected characteristics.

 * Harassment may include offensive verbal comments, deliberate intimidation,
   stalking, following, harassing photography or recording, sustained disruption
   of talks or other events, inappropriate physical contact and unwelcome
   attention. 
 * Sexual language or imagery is not appropriate for any venue, including
   booths, presentations, roundtable discussions, workshops, parties, social
   media and other online media.
 * Participants asked to stop any harassing or inappropriate behavior are
   expected to comply immediately.
 * If a participant engages in harassing or inappropriate behavior, CUNA may
   take any action it deems appropriate, including warning the offender or
   expulsion from the conference with no refund.

If you or others are experiencing inappropriate behavior or are being harassed
at a CUNA event, please contact a member of the CUNA event team immediately. Our
team will be happy to help participants contact hotel/venue security or local
law enforcement, or otherwise assist those experiencing the behavior or
harassment to feel safe for the duration of the conference. CUNA staff can be
identified by their STAFF badges. If you are participating in a CUNA virtual
event and need to report any inappropriate behavior, please contact the CUNA
Administrator monitoring the session immediately. 


WEBINAR CONSENT

Please note that webinars hosted or produced by CUNA and other information sent
or referenced during webinars will be recorded. By participating in the webinar,
you automatically consent to such recording. If you do not consent to being
recorded, you may join the webinar, but do not connect your microphone or enter
text into the attendee chat. Please discuss any concerns with the host.


CORONAVIRUS

We are actively monitoring and following the recommendations of the Centers for
Disease Control and Prevention. We are in contact with event conference sites
and local public health officials about proactive measures being taken to
protect visitors.  As more updates and information becomes available, we will
communicate directly with registered attendees and our membership at large.  


PHOTO/VIDEO/RECORDING RELEASE 

CUNA, itself or by its contractors, may be photographing, videotaping,
audio-taping or webcasting sessions and events at its events. By attending,
participants acknowledge these activities and agree to allow their image and/or
voice to be used by CUNA, such as in association publications, on CUNA's website
and in marketing and promotional materials, without compensation.


CREDIT CARD POLICY

To help keep your information safe, CUNA does not accept credit card numbers via
electronic message (e-mail, instant messaging, etc.). Emails received with
credit card information will be deleted. You may make credit card purchases via
our website, or please contact member service at 1 800 356-9655 to make a
purchase or for general assistance.


INTELLECTUAL PROPERTY

CUNA materials are copyright protected. CUNA trademarks are proprietary. No part
of any information, product or service may be shared, reproduced, transmitted,
or stored by any means, without the prior written permission of the
copyright/trademark owner.


WARRANTY AND LIMITATION OF LIABILITY

NEITHER CUNA NOR ANY OF ITS AFFILIATES OR THEIR RESPECTIVE EMPLOYEES MAKE ANY
EXPRESS OR IMPLIED WARRANTY, OR ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR
ACCURACY, ADEQUACY, COMPLETENESS, OR USEFULNESS OF ANY PRODUCT, SERVICE OR
INFORMATION. THEY ARE PROVIDED “AS IS” WITH THE UNDERSTANDING THAT CUNA IS NOT
ENGAGED IN RENDERING LEGAL, ACCOUNTING, OR OTHER PROFESSIONAL SERVICES. IF
PROFESSIONAL ADVICE IS REQUIRED, THE SERVICES OF A COMPETENT PROFESSIONAL SHOULD
BE SOUGHT. BY PURCHASING PRODUCTS OR SERVICES OR PARTICIPATING IN INTERACTIVE
PORTIONS OF THE SITE, YOU HEREBY DISCLAIM, WAIVE AND FULLY RELEASE ANY AND ALL
CLAIMS WHETHER IN WARRANTY (EXPRESS OR IMPLIED) TORT, STRICT LIABILITY OR
OTHERWISE, YOU HAVE OR MAY HAVE AGAINST CUNA OR ITS AFFILIATES, FOR ANY AND ALL
DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE
OR OTHERWISE, RELATED THERETO.


THIRD-PARTY ENDORSEMENTS 

The site may contain links to information created and maintained by third
parties. These links are provided solely for your convenience. CUNA does not
guarantee the accuracy, relevance, timeliness, or completeness of any
third-party information. Further, the inclusion of links to third party sites is
not intended to assign importance to those sites and the information contained
therein, nor is it intended to endorse, recommend, or favor any views expressed,
or commercial products or services offered on these third-party sites, or the
vendors sponsoring the sites. The views and opinions of authors or participants
do not necessarily state or reflect those of CUNA or its affiliates.


MONITORING

CUNA does not actively monitor its site for inappropriate participation and does
not undertake editorial control of postings. However, in the event that any
inappropriate participation or posting is brought to the attention of CUNA, we
will take appropriate action.


TERMINATION

CUNA reserves the right to terminate access to any user of its Product, Service
or websites.


TERMS FOR PRODUCTS AND SERVICES, PURCHASES, AND USE

Product Shipping. Most orders are shipped UPS ground and you can expect to
receive your order in approximately 5-7 working days. If you need a package
sooner, please indicate the shipping method. CUNA accepts no liability for
orders that do not meet shipping estimates.

Invoicing. Invoices will be sent once the product has been shipped or service
has been orders. Payment is due upon receipt of the invoice. Payment can be sent
in the form of check, credit card (VISA, American Express or MasterCard), or
ACH.

Pricing. The prices displayed on this site are quoted in U.S. dollars and do not
include shipping and handling or sales taxes, if applicable, which will be added
to your total invoice price. You are responsible for the payment of any shipping
and handling charges and state and local sales or use taxes that may apply to
your order.

Returns. Product returns are accepted for physical products only, within 30 days
of receipt of your order, and must be in the condition they were sent to you in.
Reimbursement will be for cost of the returned item only. Freight will be paid
by you. No C.O.D. returns will be accepted. Please  call or email prior to
returning to obtain authorized shipping information. No credit will be issued
for unauthorized returns. Please ship your returned package via a tracking ship
method to:

CUNA/BrightKey
1780A Crossroads Drive
Odenton, MD 21113

Please enclose a copy of the original packing slip with the return, indicating
on the reverse of the packing slip the reason for the return. If you do not have
the original packing slip, please include something with your order number
noted. If the merchandise was shipped to you in error or arrived damaged or
defective, we will issue a call tag for the item to be picked up at no cost to
you.

Custom Products. A proof will be provided to you within 48-72 hours of receiving
the request. After you have approved the proof in writing, your order will then
be shipped within 10-12 business days. Custom orders cannot be returned unless
damaged or defective. Custom orders can have an over run or an under run of
5-10%. You agree to pay for actual quantities.

Interactive Products and Services. Certain products and services are
interactive. By participating, you agree that you will comply with the rules and
etiquette we have established which are noted below.


RULES AND ETIQUETTE FOR INTERACTIVE PRODUCTS AND SERVICES, CUNA DIGITAL AND WEB
PROPERTIES, INCLUDING CUNA COMMUNITIES

 * CUNA is not responsible for the opinions and information posted on its sites
   by others.
 * Don't challenge or attack others. The discussions and comments are meant to
   stimulate conversation not to create contention.
 * Don't post commercial messages on any discussion list, resource library
   entry, or other area.
 * Use caution when discussing products. Information posted on the lists and in
   the libraries is available for all to see, and your comments are subject to
   libel, slander, and antitrust laws.
 * All defamatory, abusive, profane, threatening, offensive, or illegal
   materials are strictly prohibited.
 * Remember that other participants may have the right to reproduce postings to
   this site.
 * Post your message or documents only to the most appropriate lists or
   libraries. Do not spam several lists or libraries with the same message.
 * All messages must add to the body of knowledge. We reserve the right to
   reject or remove any message for any reason.
 * You may not post, forward, transmit or make available any content that
   infringes any patent, trademark, trade secret, copyright or any other
   proprietary right of any party without the permission of the owner. By
   posting material, the posting party warrants and represents that he or she
   owns the intellectual property rights with respect to such material or has
   received permission from the owner. In addition, the posting party grants
   CUNA and users of this site the perpetual, royalty-free, nonexclusive right
   and license to display, copy, publish, distribute, transmit, print, and use
   such information.
 * You may not post, forward, transmit or make available any material that
   contains software viruses or any other computer code, files or programs
   designed to interrupt, destroy or limit the functionality of any computer
   software or hardware or telecommunications equipment.
 * Messages may not be posted if they encourage or facilitate members to arrive
   at any agreement that either expressly or impliedly leads to price fixing, a
   boycott of another's business, or other conduct intended to illegally
   restrict free trade. Messages that encourage or facilitate an agreement about
   the following subjects are prohibited: prices, discounts, or terms or
   conditions of sale; salaries; profits, profit margins, or cost data; market
   shares, sales territories, or markets; allocation of customers or
   territories; or selection, rejection, or termination of customers or
   suppliers. See CUNA’s Antitrust Policy for further information.


ANTITRUST POLICY AND GUIDELINES

It is the policy of CUNA to comply strictly with all antitrust laws that relate
to the conduct of its activities. CUNA, League and credit union representatives
involved in CUNA activities should familiarize themselves with the CUNA
Antitrust Compliance Program, and, when participating in CUNA sponsored meetings
and activities, act in accordance with the Program. Counsel should be consulted
in all cases involving specific situations for interpretations or advice if any
participant has questions as to antitrust obligations and a CUNA staff member or
counsel should attend all meetings in which issues with antitrust implications
are expected to be discussed.

These Guidelines are intended to promote compliance with the Antitrust Laws, not
to create duties or obligations beyond what the Antitrust Laws actually require.
CUNA, League and credit union representatives involved in CUNA activities,
should be aware that these Guidelines cannot address every potential area of
antitrust concern. In the event of inconsistency between these Guidelines and
the Antitrust Laws, the Antitrust Laws shall control.

The activities of CUNA shall not be conducted in a manner so as to restrain
competition or to harm its members or consumers.

Neither CUNA nor any of its meetings, committees or activities shall be used for
the purpose of bringing about or attempting to bring about any understanding or
agreement with regard to credit union prices, products, services, fields of
membership, members, credit terms or any other information that may be used for
anticompetitive purposes. However, nothing in these guidelines shall be
construed to prohibit or restrict CUNA or those participating in its activities
from reaching understandings or agreements on these subjects to the extent that
such agreements pertain to legislative or regulatory advocacy on behalf of
credit unions or the collection and sharing of data and information about credit
union operations and activities.

Under the Antitrust Laws, certain activities and practices have been found by
the courts to constitute “per se” violations of the Antitrust Laws. Per se
violations have traditionally included agreements among competitors that have
the purpose and effect of “fixing prices,” “allocating territories,” or
“boycotting third parties.” “Price fixing” includes agreements to control
factors that directly or indirectly affect price, such as establishing or
setting uniform discounts, credit or warranty terms, or agreeing on matters
relating to costs, especially when those costs account for a substantial
percentage of the final price.

No activity or communication of CUNA, League or credit union representatives, in
connection with their participation in a CUNA activity, shall include any
discussion or statement which could reasonably be construed as an agreement or
understanding to refrain, or to encourage credit unions to refrain, from
purchasing any materials, products, equipment, services or other supplies from
any vendor or from dealing with any vendor.

No activity or communication of CUNA, League or credit union representatives, in
connection with their participation in a CUNA activity, shall include any
discussion which could reasonably be construed as an attempt to prevent any
person or business entity from gaining access to any credit union market for
goods and services, or to prevent any credit union from obtaining a supply of
goods or services or otherwise purchasing goods or services freely in the
market. This does not prohibit a credit union or League or CUNA from disclosing
and asserting its intellectual property rights.

Each CUNA, League and credit union representative shall use their best
reasonable efforts to comply in all respects with the Antitrust Laws when acting
as a CUNA representative or attending a CUNA sponsored activity.

CUNA is now America’s Credit Unions



As a new association, America’s Credit Unions will advocate for and advance an
environment where credit unions thrive.



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