These Website and Social Media Terms of Use (“Terms of Use”) govern this website and any other Civic Credit Union, a division of Local Government Federal Credit Union websites, social media websites, pages or accounts (collectively, “websites”). By accessing any website, you are agreeing to comply with these Terms of Use. We reserve the right, at our sole discretion, to revise these Terms of Use without notice to you. The new Terms of Use shall be effective immediately at the time of posting. Your continued use of our websites after the new Terms of Use are posted constitutes your acceptance of any changes.

As used in these Terms of Use, the words “Civic”, “we,” “our,” and “us” refers to Civic Credit Union, a division of Local Government Federal Credit Union. “You” and “your” refers to the users of our websites.

Social Media Websites

We maintain a presence on several websites, including Facebook, Twitter and Instagram. While we welcome communication and feedback, we do reserve the right to prohibit or delete comments, terminate your access to our websites, or terminate chats, conversations, or your ability to use any website feature or other service at our sole discretion. You agree to not send or post any content that is or contains the following:

• Personal attacks, threats, defamation, or harassment
• Offensive language
• Spam
• Illegal
• Private or financially sensitive information
• Comments from individuals under the age of 13

Posts or comments made on our websites by our employees do not necessarily reflect the opinions or views of Civic, its Board of Directors, officers, employees or membership and are not necessarily endorsed by Civic, unless such posts or comments are made by an authorized representative. All opinions, views and comments are those of the commenter alone. Any information you post on our public social media websites is visible to all participants on websites. You should never provide any of your personal information or account details when posting comments on our public social media websites.

Website Content and Trademarks

We claim rights in certain trademarks, service marks, trade names, logos and other related intellectual property displayed on our websites. Unless otherwise indicated, all such content is owned or licensed by Civic. You acknowledge and agree that the websites and all content are protected by intellectual property laws and are provided for your personal, non-commercial use. Your use of the websites does not give you the right to use the website contents or our trademarks, service marks, trade names or logos without our express written permission. We may also display trademarks belonging to third parties on our websites. Trademarks not belonging to Civic that appear on our websites are the property of their respective owners.

Disclaimer

The materials and content provided on our websites is for informational purposes only. All materials and content on our websites are provided “as is” and “as available.” Civic makes no warranties or representations as to the completeness, accuracy, reliability, timeliness or likely results of the content, materials or information on our websites or relating to such content, materials or information on any sites linked to our websites. Additionally, Civic makes no representations, warranties or guarantees that websites will be continuously available, without interruption, secure or error free. Civic makes no warranties, express or implied, regarding merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Limitations

Under no circumstances will Civic or our officers, employees or agents be liable to you or to anyone else for any loss, injury, damages or claim of any kind for: any content or materials on websites, including any errors or omissions; any person’s reliance on or use of such content or materials; the unavailability of any content or materials; or any viruses, malware or software errors or failures that may be found to exist in the websites. In no event shall Civic or our officers, employees or agents be liable for any damages resulting from loss of data, loss of use, loss of profits or for any indirect, consequential, special or exemplary damages of any kind, under any theory of liability, arising out of or related to these Terms of Use, the use or performance of the websites and its services or the content, materials or information provided on the websites.

Links to External Sites

We may provide links to additional resources through our websites to external sites operated by entities other than Civic. If you use a link to access a third-party site, you do so at your own risk and it is your responsibility to understand the security and privacy practices of such third-party site. Civic has not reviewed the content of the third-party sites and is not responsible for the contents of any such site. Civic makes no warranty, representation or endorsement as to the contents, materials or information appearing on the site or any of the products or services described at the third-party site. The inclusion of a link to a third-party site does not imply endorsement by Civic.

Privacy

Your use of Civic websites constitutes your consent to Civic’s use of information obtained through your website visits. With respect to information collected through our websites, we follow the policies summarized in our Privacy Policy, which is linked at the bottom of our homepage. When visiting any social media websites, you are subject to the terms and privacy policies of such third-party hosts.

Accessibility

Civic is committed to ensuring the digital accessibility of our website for people with disabilities. We strive to improve the user experience for everyone, and we welcome your feedback on the accessibility of our website. Please let us know if you encounter any accessibility barriers by contacting us at 1.844.772.4842 or emailing us at feedback@civicfcu.org.

Governing Law

These Terms of Use and your access to and use of the websites are governed by the laws of the State of North Carolina.