Terms and Conditions

1. INTRODUCTION
These constitute the Terms and Conditions (the “Terms”) for users of this website, our mobile and online banking services available through guarantycreditunion.com, as well as any other website pages that link to these Terms (collectively, the “Site”) and any of our mobile sites or applications that link to these Terms (the “Apps”) (collectively, the Site and Apps are referred to herein as the “Services”). As used in these Terms, “we,” “our” and “us” refer to Guaranty Credit Union Bank and its financial institution subsidiaries (collectively, “Guaranty Credit Union”), and the Terms and any rights provided for herein also inure to the benefit of the subsidiaries and affiliates of Guaranty Credit Union Bank.

PLEASE READ THESE TERMS CAREFULLY. THESE TERMS ARE A LEGAL AGREEMENT. BY ACCESSING THE SITE, THE APPS OR ANY OF THE SERVICES, YOU ACKNOWLEDGE, AGREE AND ACCEPT TO BE BOUND BY THE TERMS. IF YOU DO NOT AGREE TO THE TERMS, OR IF YOU ARE UNDER 13 YEARS OF AGE, YOU MUST NOT ACCESS THE SERVICES.

2. CLIENT/CUSTOMER SERVICE

As always, we pride ourselves on providing excellent client service. Please note, however, that the Services are not a substitute channel for services, products or general questions. If you are a client and need assistance with any of your accounts or our products and services, please contact us at the following number and we will be happy to assist you:

Client Care Center
(888) 408-0288
Mon.–Fri., 5:00 a.m.–9:00 p.m. PT
Sat., 6:00 a.m.– 8:00 p.m. PT
Sun., 7:00 a.m.– 5:00 p.m. PT

Please note that if you contact us regarding any client service–related matters via the Services, we may divert you to other Guaranty Credit Union channels to assist you as quickly and efficiently as possible.

3. PRIVACY
Your privacy is important to Guaranty Credit Union.

For information regarding our use of information collected or provided through the Services, including information regarding nonpublic information we collect through use of the Services, please take the time to review our Privacy Policy. 4. RULES AND CONDUCT
In using the Services, you agree to comply with these Terms, Guaranty Credit Union rules and policies, and all applicable laws, rules and regulations. You further agree that you will not:

• Interrupt or attempt to interrupt the operation of the Services or the servers or networks used to make the Services available;
• Transmit or otherwise make available in connection with the Services any virus, worm, Trojan horse, Easter egg, time bomb, spyware, or other computer code, file or program that is harmful or invasive or may or is intended to damage or hijack the operation of, or to monitor or limit the use of, any hardware, software or equipment;
• Restrict or inhibit any other person from using the Services (including without limitation by hacking or defacing any portion of the Services);
• Attempt to gain unauthorized access to any accounts, computer systems or networks through hacking, phishing, social engineering, malware, password mining or other means;
• Impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with a person or entity, or collect or store personal information about other users of the Services;
• Reverse engineer, reverse assemble, decompile, create derivative works, modify or otherwise attempt to derive the source code of the Services;
• Use any material or information in a manner that infringes any copyright, trademark, patent, trade secret or any other proprietary right of any party;
• Violate, intentionally or unintentionally, any applicable local, state, national or international law, these Terms or any of Guaranty Credit Union’s policies and procedures; or
• Provide material support or resources (or conceal or disguise the nature, location, source or ownership of material support or resources) to any organization(s) designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act.

5. NO ADVICE

Nothing contained on the Site is intended to constitute tax or financial advice. The information and materials on the Site are not intended as an offer or solicitation for the purchase of stock, any other security or any financial instrument of Guaranty Credit Union, its affiliates, or any other issuer or company. No content or comments made by Guaranty Credit Union, its employees, agents or any other user should be understood or used as the basis for any investment or financial decision, nor should they be construed as advice, endorsements or recommendations.

In no event shall any reference to any third party or third-party product or service be construed as an approval, guarantee or endorsement by us of that third party or of any product or service offered by that third party.

6. LINKS

Links from the Site to an external site, unaffiliated with Guaranty Credit Union, may be provided for users’ convenience only. We do not control or review these sites nor does the provision of any link imply an endorsement or association of such non–Guaranty Credit Union sites. We are not responsible for and make no representation or warranty regarding the contents, completeness or accuracy or security of any materials or information on such sites. If you decide to access such sites, you do so at your own risk.

GUARANTY CREDIT UNION HEREBY DISCLAIMS ANY AND ALL LIABILITY FOR ANY INFORMATION, MATERIALS, SERVICES OR PRODUCTS POSTED OR OFFERED AT ANY OF THE THIRD-PARTY WEBPAGES OR WEBSITES LINKED TO THE SERVICES. BY CREATING A LINK TO A THIRD-PARTY WEBPAGE OR WEBSITE, GUARANTY CREDIT UNION DOES NOT ENDORSE OR RECOMMEND ANY SERVICES OR PRODUCTS OFFERED OR INFORMATION OR MATERIALS CONTAINED IN SUCH WEBPAGE OR WEBSITE, NOR IS GUARANTY CREDIT UNION LIABLE FOR ANY USE OF OR INFORMATION OR MATERIALS CONTAINED IN SUCH WEBPAGE OR WEBSITE, ANY FAILURE OF SUCH SERVICES OR PRODUCTS OFFERED OR ADVERTISED ON SUCH WEBPAGE OR WEBSITE, NOR DOES GUARANTY CREDIT UNION WARRANT THAT SUCH WEBPAGE OR WEBSITE IS FREE FROM ANY CLAIMS OF INFRINGEMENT OR DEVOID OF VIRUSES OR OTHER CONTAMINATION. SUCH THIRD-PARTY WEBPAGE OR WEBSITE MAY PROVIDE LESS SECURITY THAN GUARANTY CREDIT UNION’S WEBPAGES OR WEBSITES AND GUARANTY CREDIT UNION IS NOT LIABLE FOR THE PRIVACY OR SECURITY ON SUCH THIRD-PARTY WEBPAGE OR WEBSITE.

7. COPYRIGHT AND TRADEMARK NOTICES AND INTELLECTUAL PROPERTY RIGHTS OF GUARANTY CREDIT UNION

We and our licensors and suppliers own the information and materials made available through the Services. Such information and materials may be protected by copyright, trademark, patent and/or other proprietary rights and laws.

Except as otherwise expressly stated herein, copyrighted or trademarked materials, or other intellectual property on the Services (including, without limitation, images of people and places) may not be used, copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use, removed, reverse engineered, modified or otherwise used in whole or in part in any manner without Guaranty Credit Union’s prior written consent, except to the extent permitted by applicable law, and then, only with notices of Guaranty Credit Union’s proprietary rights, provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded. Please be advised that any violation of such copyright, trademark or other intellectual property rights or any privacy or communication laws is your sole responsibility. Guaranty Credit Union will aggressively enforce its intellectual property rights to the fullest extent of the law, including without limitation, the seeking of criminal prosecution.

“Guaranty Credit Union,” “Guaranty Credit Union Bank,” “Guaranty Credit Union Bancorp Inc.,” “It’s a privilege to serve you” and the Guaranty Credit Union logo and combinations of the foregoing are trademarks of Guaranty Credit Union Bank. Guaranty Credit Union Bank and its subsidiaries also claim rights in certain other trademarks and service marks contained in the Services. Other featured words or symbols on the Services, used to identify the source of goods and services, may be trademarks of their respective owners.

8. DISCLAIMER

The information and materials contained in the Services are for information purposes only. Use of the Services is at your sole risk. We use reasonable efforts to include reliable information and materials, but Guaranty Credit Union makes NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY, COMPLETENESS AND TIMELINESS OF SUCH INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS ANY LIABILITY FOR ANY ERRORS OR OMISSIONS CONTAINED IN THE SERVICES.

Neither Guaranty Credit Union Bank nor any other party involved in creating, producing or delivering the Services is liable for any direct, incidental, consequential, indirect or punitive damages arising out of access to, or use of, the Services. Without limiting the foregoing, everything on the Services is provided “AS IS,” “AS AVAILABLE” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. FURTHERMORE, GUARANTY CREDIT UNION WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SERVICES, ANY INCOMPATIBILITY BETWEEN THE SERVICES AND YOUR FILES AND YOUR BROWSER OR OTHER SERVICES ACCESSING PROGRAMS, OR ANY OTHER PROBLEMS EXPERIENCED BY YOU DUE TO YOUR ACCESS TO, USE OF OR BROWSING OF THE SERVICES OR DOWNLOADING OF ANY INFORMATION OR MATERIALS.

UNDER NO CIRCUMSTANCES WILL GUARANTY CREDIT UNION BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OR INABILITY TO USE THE SERVICES OR ANY PORTION THEREOF, REGARDLESS OF WHETHER GUARANTY CREDIT UNION HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, STRICT LIABILITY OR OTHERWISE.

If you permit another person or entity to access the Services on your behalf or provide another person or entity with information to access your mobile or online banking information and/or accounts, you do so AT YOUR SOLE RISK; Guaranty Credit Union shall not be liable for any actions or consequences resulting from such access or the provision of such information unless such liability is prescribed under applicable law.

The information and materials contained in the Services are subject to change without notice. Guaranty Credit Union may discontinue or make changes to the information, materials, services or products which may be described or provided on the Services at any time without prior notice to you and without any liability to you. Any dated information is published as of its date only, and Guaranty Credit Union does not undertake any obligation or responsibility to update or amend any such information. In the event there is deemed to be any information on the Services regarding services and products, such services and products described, as well as any associated fees, charges, interest rates and balance requirements, may differ among geographic locations. Please note that not all services and products are offered at all locations and your eligibility for particular products and services is subject to final determination by Guaranty Credit Union.