Code of Conduct

Americans with Disabilities Compliance

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Policies, Terms and Conditions

Use of cuna.org and related sites is subject to the policies, terms and conditions contained herein. By using any Credit Union National Association, Inc. (CUNA) web or digital property, and or purchasing and/or using CUNA products and services, you agree to these policies, terms and conditions.

  1. Privacy Policy

    Credit Union National Association (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.
    1. What Information We Collect and How We Use It
      We collect certain personal, business, 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. 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.
    2. How We Collect Information
      Information we collect is most often voluntarily provided by you, for example by your 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. Cookies are important and necessary part of providing personalized services to our users.
    3. 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. 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. Should this site link to another non-CUNA site, we urge you to also visit their privacy pages. If at any time you have questions regarding, or are in any way uncomfortable with the use of your Information, we urge you to contact us directly at 1 800 356-9655 so that we may answer your questions or otherwise address your concern.

  2. Credit Card Information

    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.”

  3. 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.

  4. 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.

  5. No Endorsement.

    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.

  6. 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.

  7. Termination

    CUNA reserves the right to terminate access to any user of its site.

  8. Products and Services Purchases and Use

    1. 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.
    2. 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 or MasterCard), or ACH.
    3. 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.
    4. 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.
    5. 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 (i.e., statement stuffers, drive up envelopes, etc.) can have an over run or an under run of 5-10%. You agree to pay for actual quantities.
    6. 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.

  9. Rules & Etiquette for Interactive Products and Services and CUNA Digital and Web Properties, including, Communities

    1. CUNA is not responsible for the opinions and information posted on its sites by others.
    2. Don't challenge or attack others. The discussions and comments are meant to stimulate conversation not to create contention.
    3. Don't post commercial messages on any discussion list, resource library entry, or other area.
    4. 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.
    5. All defamatory, abusive, profane, threatening, offensive, or illegal materials are strictly prohibited.
    6. Remember that other participants may have the right to reproduce postings to this site.
    7. Post your message or documents only to the most appropriate lists or libraries. Do not spam several lists or libraries with the same message.
    8. All messages must add to the body of knowledge. We reserve the right to reject or remove any message for any reason.
    9. 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.
    10. 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.
    11. 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.

  10. Antitrust Policy

    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.

  11. Antitrust Guidelines

    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.
    1. The activities of CUNA shall not be conducted in a manner so as to restrain competition or to harm its members or consumers.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. 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.