Terms & Conditions
Laborie Co-Operative Credit Union Website and Online Banking Services Terms of Usage and Privacy Policy.
PLEASE READ THESE TERMS AND CONDITIONS BEFORE USING Laborie Co-Operative Credit Union WEBSITE AND ONLINE BANKING SERVICES. BY CLICKING ON "I AGREE" BELOW OR BY USING Laborie Co-Operative Credit Union WEBSITE AND ONLINE BANKING SERVICES YOU CONFIRM THAT YOU ARE LEGALLY BOUND BY THESE TERMS OF USAGE AND PRIVACY POLICY, CONTAINED HEREIN, ALL AS MAY BE AMENDED OR CANCELLED FROM TIME TO TIME (COLLECTIVELY, THE "TERMS AND CONDITIONS"). BY USING THE SERVICES, YOU WILL BE TAKEN TO HAVE READ, UNDERSTOOD AND ACCEPTED THESE TERMS AND CONDITIONS IN THE SAME WAY AS IF YOU SIGNED A PRINTED VERSION AND YOU WILL BE BOUND BY THEM AND THEY WILL CONTINUE TO APPLY EVERY TIME YOU USE THE SERVICES. PLEASE NOTE THAT YOUR INTERNET SERVICE PROVIDER AND YOUR WIRELESS CARRIER’S STANDARD DATA FEES APPLY. PLEASE PRINT AND KEEP A COPY OF THESE TERMS AND CONDITIONS FOR YOUR FUTURE REFERENCE.
- In these terms and conditions, "we", "our" and "us" and "the service provider" mean Laborie Co-Operative Credit Union and "you" and "your" mean the individual who is using the Laborie Co-Operative Credit Union website and online banking services.
- You must meet and comply at all times with the technical and security requirements that we establish regarding the online banking services and that we provide to you from time to time.
- You agree that we can amend, modify, change or replace these terms and conditions, the technical and security requirements and/or any of the services provided under these terms and conditions at any time by posting a notice on the Laborie Co-Operative Credit Union website or our online banking sign-on page(s). The new or revised terms and conditions, technical and security requirements and/or services provided under these terms and conditions are effective and binding on you when we notify you of such change. If you continue to use the Laborie Co-Operative Credit Union website and our online banking services after we post the notice that means you agree to and accept the new or revised terms and conditions, technical and security requirements and/or the services provided under these terms and conditions as amended.
- If you do not agree with the new or any changes made to these terms and conditions, the technical and security requirements and/or the revised online banking you must immediately stop using the service and notify us.
- We can suspend or terminate your access to our online banking services if we believe you are in breach of these terms and conditions or any other agreements that you have entered into with us. If we suspend or terminate your online banking access, we will notify you.
- We can discontinue our online banking service at any time. If we do, we will post a notice thirty (30) days in advance on the online banking sign on page and on our website.
- If you want to disable accessing your account on our online banking services, you can contact us: 1-758-459-6900.
- It is your responsibility to determine with your wireless carrier if your mobile device is capable of accessing the Internet.
- Usage of the Laborie Co-Operative Credit Union website and our online banking services are subject to the terms and conditions of your agreement with your wireless carrier and/or Internet service provider. You are responsible for any fees imposed by your mobile service provider and Internet service provider of any kind.
- You must always keep your user ID and password/passcode that allow you to sign onto our online banking service confidential. Do not divulge this information to anyone-including family members, friends, employees, accountants and bookkeepers or anyone else. Do not write this information down.
- Do not respond to text messages, pop-ups, emails or other Internet requests that ask you to reveal personal information about yourself or your Laborie Co-Operative Credit Union accounts. We will never send you unsolicited text messages or emails asking for your password, access code, credit card, account numbers, etc. We will never ask you to validate or restore your account or online banking access through unsolicited text messages or emails.
- You agree to assist us in any investigation into improper access to your accounts.
- You agree that neither we, your Internet service provider, your wireless carrier, nor any other third party associated with providing our website and online banking services will be liable to you or anyone else for any direct or indirect, special, consequential, exemplary or punitive damages or for any losses arising out of your use or inability to receive or to use the website and online banking services, regardless of the cause of action, including negligence, even if we are advised of the possibility of such damages.
- Use of the Laborie Co-Operative Credit Union website and the online banking services are subject to the agreements you have in place for the products and services that you have with us.
- We provide our website and online banking services as a convenience to you for information purposes only. The information contained in the various web pages do not constitute a record for the premium financing account or insurance policy to which it pertains nor is anything contained herein an offer by Laborie Co-Operative Credit Union to do business with you.
- Whilst Laborie Co-Operative Credit Union will make every effort to ensure that the website is updated and accurate, we do not guarantee that this site is free of errors, virus and/or interference or interception or that the information contained on this site is reliable.
- Articles appearing on this website are purely an information service and do not constitute legal advice. This site and the information contained in this site is protected by applicable copyright and trademark law.
- If there is a conflict between a term in these terms and conditions and in any other agreement between you and us then these terms and conditions will apply to the extent necessary to resolve the conflict.
- These terms and conditions will be governed exclusively by the laws of Trinidad and Tobago. You and we agree that the courts of Trinidad and Tobago will have jurisdiction for the determination of any matters arising out of these terms and conditions.
- No refunds are available, however any excess payment would be made available in your deposit product for withdrawal within the credit union.