First Credit Union maintains this Web Site (the "Site") to provide you with information about First Credit Union products and services and to facilitate communication with First Credit Union and its affiliates. First Credit Union requires that all the visitors to our "Site" on the Internet adhere to the following rules and regulations. By accessing the "Site" you indicate your acknowledgment and acceptance of these terms and conditions. From time to time we may revise these terms and conditions.

Copyright in the pages, screens, text and images appearing at the "Site" is owned by First Credit Union or to others as indicated. The information and materials contained on the "Site" may not be copied, displayed, distributed, downloaded, licensed, modified, published, re-posted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of First Credit Union.

Not all of the products or services described on the "Site" are available in all geographic areas. You may not be eligible for all the products or services described. First Credit Union reserves the right to determine the eligibility for any product or service. Investment products and services (i) are not credit union deposits and are not insured by the National Credit Union Administration, (ii) are not guaranteed by First Credit Union, and (iii) are subject to substantial risk, including the possible loss of some or all of the principal invested.

Any communication or material you transmit to us via the "Site" or Internet electronic mail is on a non-confidential basis and may be used by First Credit Union for any purpose within the limits of our privacy statement including reproduction, publication broadcast and posting.

We will use our best efforts to include accurate and up to date information on the "Site," but we make no warranties or representations as to the accuracy of the information. You agree that all access and use of the "Site" and its contents are at your own risk. By using the "Site," you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of the "Site," (even if we have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment.

Regarding services or products purchased or obtained by the user from a Non-First Credit Union person or entity, First Credit Union makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such services and products and First Credit Union specifically disclaims all other warranties with regard to said services and products.

You agree that your use of the "Site" shall be governed by all applicable Federal laws and the laws of the State of Arizona and agree that venue shall be located in Tempe, Arizona.

First Credit Union’s web-site contains links to sources outside First Credit Union that we believe are useful to visitors to our site. Once you are linked to another site, you are subject to the privacy policy and terms of use of the new site. Such sites are not under the control of First Credit Union, and First Credit Union is not responsible for their content. First Credit Union provides these links to you only as a convenience, and has not tested any software or verified any information provided at such sites. Further, the inclusion of any link does not imply First Credit Union’s endorsement of the site or its contents. You acknowledge and understand that there are inherent risks in the use of any software or information found on the Internet.