Credit Union Mortgage Association, Inc.

Terms and Conditions

We are pleased to provide our Mortgage Application Internet site. It is provided subject to the following terms and conditions. Please read them carefully, as any use of the Site constitutes your agreement to all of them, including but not limited to our Online Privacy Statement. If you do not agree, please exit the Site at this time.

License Grant and Use Restrictions; Your Indemnification

Our Site is intended to provide members of the Credit Union ("you") with easy access to information about our Credit Union Mortgage ("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 and 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 you agree to indemnify and hold our credit union and its affiliates harmless from and against any loss, damage, or expense (including attorneys fees) incurred by them because of any such use.

Privacy

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 Online Privacy Statement, which is incorporated into these Terms and Conditions.

Information Accuracy - NO WARRANTIES

All information is either generated by us 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, and 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 the credit union 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 we make no representations and disclaim 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. We do not provide any warranty against infringement or of quiet enjoyment, and make no express warranties.

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. We cannot assure you that the Site and any software or other information downloaded from it will be virus or problem free and disclaim any liability (if any) for viruses and similar problems. We attempt to keep the Site virus free, but cannot assure you that our 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 be 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 that you are in fact dealing with your credit union site, 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. Codes 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 and U.S. mail or visiting any of our Financial Centers (as long as the service is available through those methods).

Damages and Remedies are Limited and Exclusive

NO INCIDENTAL OR CONSEQUENTIAL CHANGES

To the full extent allowed by applicable law, you agree that neither the credit union 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 the credit union 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 the credit unions 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.

TELECHECK

One of our methods for collecting pre-settlement fees allows you to have the fee drafted from a checking account. This service is provided through TeleCheck. This agency charges a fee for 'returned checks.' You may obtain the specific fees for your state by clicking here.

 

Get Pre-Approved

Get Pre-approved!While it really doesn't matter why you need a new house, it does matter how you go about purchasing it. The first step is getting Pre-Approved. Take the worry out of financing and click here for all the details.

What is a Reverse Mortgage?

Reverse MortgagesA Reverse Mortgage is a unique loan that allows homeowners age 62 years and older to convert part of the equity in their home into monthly income or cash without having to sell the home, give up title, or take on additional monthly mortgage payments. Click to learn more.

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Use CUMA's HOMEAdvantage and receive a rebate at closing