Website Terms and Conditions

Austin Telco Federal Credit Union provides an internet site at the domain ("Site"). This site is intended for the use of our members and potential members and is subject to the following terms and conditions. Continued use of this site constitutes your agreement to all terms and conditions, including but not limited to, our Privacy Policy. If you do not agree to these terms and conditions, please exit this site now.

License Grant and Use Restrictions; Your Indemnification

Our Site is intended to provide members and potential members of Austin Telco Federal Credit Union ("you") easy access to information about Austin Telco Federal Credit Union ("Austin Telco", "we" or "us"). We grant you a nonexclusive, revocable license to copy or print an unaltered permanent copy of information on the Site for your personal use, non-commercial purposes only. You may not otherwise copy, modify, publicly distribute or display, perform, publish, license, create derivative works from, transfer, or sell anything obtained from this Site.

You agree that you will not alter any Site information and will not use (or allow others to use) the Site or any information obtained from it for any wrongful, unauthorized or unlawful purpose and agree to indemnify and hold Austin Telco and its affiliates harmless from and against any loss, damage or expense (including attorneys fees) incurred by them because of any such use.


We understand that you are concerned about privacy. For information about how we treat information that you provide us through the Site, please see our Privacy Statement, which is incorporated into these Terms and Conditions.

Information Accuracy

All information is either generated by Austin Telco or is obtained from sources believed by us to be accurate and reliable as of the date posted on the Site. However, because of the possibility of human and mechanical error, delayed updates, as well as other factors such as the difficulty of securing a web site from unauthorized alterations or the occurrence of a system breakdown or other unavailability, neither Austin Telco nor any of its affiliates provide any representations or warranties regarding the Site or any information in it. The Site and all information is provided "AS IS" and with all faults, and Austin Telco makes no representations and disclaims all implied warranties of every kind, including warranties or any duties (if any) as to accuracy, timeliness, completeness, suitability, availability, merchantability, and fitness for any particular purpose, or lack of negligence or viruses. Austin Telco does not provide any warranty against infringement or of quiet enjoyment, and makes no express warranties. All information on this website is subject to change without notice.

Links to Other Sites

Our Site contains hyperlinks to sites operated by third parties. When you click on the link, you will leave our Site and go to the linked site. We are not responsible for the contents or use of the linked sites, and their terms and conditions apply.

Computer Virus Information

It is possible to contract a computer virus by using the Internet or materials downloaded from it. Austin Telco cannot assure you that the Site and any software or other information downloaded from it will be virus or problem free and disclaims any liability (if any) for viruses and similar problems. Austin Telco attempts to keep its site virus free, but cannot assure you that its efforts will always be successful.

Security and Attribution

The information you send us is stored on computers that sit behind a firewall to shield it from the Internet. Our firewall met all the standards required to receive certification by the International Computer Security Association. You communicate with our computer by using your computer's web browser. Some areas of our Web Site are secured in order to obtain personal information for member transactions. We only support browsers that use Secure Sockets Layer ("SSL") 3.0 (or higher). You may need to update your browser occasionally to use the Site. Depending on the type of information being transmitted, one of two levels of security will be used on our site: 40-bit encryption and 128-bit encryption. Encryption essentially establishes a secret code for your information that must be unscrambled to read. However, it is not foolproof. SSL is intended to help ensure that:

The information you send us will not be read by others, and you are in fact dealing with Austin Telco, instead of a site impersonating us. You can check this by verifying the Site Certificate Properties. Your information reaches us through SSL to help protect the contents of the message from eavesdropping.

Web Access Authorization Codes ("Authorization Codes") for access to your account via remote services are for security purposes. It should not be stored on your computer and should not be the same as any of your other codes or passwords. You will be better protected if you change your authorization code(s) frequently and do not use the same authorization code for any other Internet site. DO NOT DISCLOSE OR OTHERWISE MAKE YOUR AUTHORIZATION CODE(S) AVAILABLE TO ANYONE. IF YOU AUTHORIZE ANYONE TO USE YOUR AUTHORIZATION CODE(S). THAT AUTHORITY MAY BE ATTRIBUTED TO AND OBLIGATE YOU.

If you are ever uncomfortable with reaching us electronically, you may instead use traditional methods of reaching us such as using the telephone, U.S. mail or visiting one of our Austin Metro Locations (as long as the service is available through those methods).

No incidental or consequential damages

To the full extent allowed by applicable law, you agree that neither Austin Telco nor any of its affiliates will be liable to you and/or any third party for any consequential or incidental damages (including but not limited to lost profits or lost opportunity), or any other indirect, special, or punitive damages whatsoever, that arise out of or are related to the Site, or any use of it or information in it, even if Austin Telco has been advised of the possibility of such damages. This exclusion of damages includes damages claimed in any cause of action, including but not limited to legal or equitable proceedings and claims relating to contract, tort products liability.

Limitation on damages and exclusive remedy

You agree that your recovery for any damages that you incur shall be limited, at Austin Telco's election, to: (1) a refund of any amount (if any) you paid for information from the Site or for any use that caused a problem, or (2) correction or replacement of the information.