Thank you for visiting the First Federal Co-operative Credit Union Ltd web site. We’ve set up some guidelines to ensure we can keep this area useful, fun and safe for everyone. First Federal Co-operative Credit Union Ltd reserves the right to change these guidelines and disclaimers at any time, and you agree that each visit you make to the First Federal Co-operative Credit Union web site shall be subject to the current guidelines.

We encourage you to share your comments and questions with us and other users. We promise to read all the mail you send to us, but we may not be able to respond to all of them. Please note that we assume no responsibility for reviewing unsolicited ideas for our organization (like product or advertising ideas) and will not incur any liability as a result of any similarities that may appear in future First Federal Co-operative Credit Union programs. Also, please remember that you are responsible for whatever material you submit, and that you, not First Federal Co-operative Credit Union, have full responsibility for the message, including its reliability, originality, and copyright. Please do not reveal trade secrets or other confidential information in your messages. Any and all rights to materials and ideas submitted to us become the exclusive property of First Federal Co-operative Credit Union.

By sending us a message in the feedback/email area, you agree to have it along with your name posted for public viewing both here and in other First Federal Co-operative Credit Union promotional and advertising materials without compensation. All messages that are posted here represent the ideas or opinions of First Federal Co-operative Credit Union Web Site users and do not represent the ideas or opinions of First Federal Co-operative Credit Union. You may copy them as much as you’d like for personal use, but redistribution in any way requires the permission of First Federal Co-operative Credit Union. In consideration of this authorization, you agree that any copy of this information, which you make, shall retain all copyright and other proprietary notices contained herein.

The First Federal Co-operative Credit Union web site contains links to and frames of sites which are not maintained by First Federal Co-operative Credit Union. While we try to include only links to or frames of those sites which are in good taste and safe for our visitors, we are not responsible for the content of those sites and cannot guarantee that sites will not change without our knowledge, and inclusion of such links and frames in the First Federal Co-operative Credit Union web site does not imply First Federal Co-operative Credit Union endorsement of the linked or framed sites or their content.

THE MATERIALS AND INFORMATION YOU FIND ON THE First Federal Co-operative Credit Union WEB SITE ARE PROVIDED “AS IS”, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY FOR INFORMATION, SERVICES, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE First Federal Co-operative Credit Union WEB SITE AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY,FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action.

You specifically acknowledge that First Federal Co-operative Credit Union is not liable for your defamatory, offensive, infringing or illegal materials or conduct, or that of third parties, and First Federal Co-operative Credit Union reserves the right to remove such materials from the First Federal Co-operative Credit Union web site without liability.

The contents of the First Federal Co-operative Credit Union web site pages, including, but not limited to text, graphics and icons are copyrighted materials owned or controlled by First Federal Co-operative Credit Union and contain First Federal Co-operative Credit Union’s name, trademarks, service marks and trade names. You may download one copy of these materials on any single computer and print a copy of the materials for your use in learning about, evaluating, or acquiring First Federal Co-operative Credit Union’s services or products. No other permission is granted to you, or anyone acting on your behalf, to print, copy, reproduce, distribute, transmit, upload, download, store, display in public, alter, or modify these materials. No permission is granted here to you to use, or permit others to use, First Federal Co-operative Credit Union’s icons, site address, or other means to hyperlink other Internet sites with any page in the First Federal Co-operative Credit Union web site, and First Federal Co-operative Credit Union assumes no responsibility for any other party’s site hyperlinked to the First Federal Co-operative Credit Union web site.

First Federal Co-operative Credit Union may make improvements and/or changes in the products and/or programs described in the First Federal Co-operative Credit Union web site including the terms and conditions of your use of this site without liability. First Federal Co-operative Credit Union offers services and programs in many parts of the world. The First Federal Co-operative Credit Union web site may refer to certain services or programs which are not available worldwide, without specifically limiting the offers as such. Such reference does not imply that First Federal Co-operative Credit Union intends to offer such service or programs in all countries or locations.

First Federal Co-operative Credit Union utilizes analytics and tracking methods through Google to remarket and target specific audiences through advertising online. Third-party vendors, including Google, show First Federal Co-operative Credit Union’s ads on sites across the Internet. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to the First Federal Co-operative Credit Union website.

Aside from good business sense of meeting our members expectations for privacy, First Federal Co-operative Credit Union will not disclose your personal financial information to any other party. All individual financial records are protected by First Federal Co-operative Credit Union including periodic statements, loan applications, financial statements, mortgages and canceled checks.