WEBSITE DISCLOSURE

The following terms of use apply to your access to and use of B.O.N.D. Community Federal Credit Union's Web site. These terms and conditions are important - please take a moment and read them carefully. By accessing any page of our Web site, you agree to be bound by these terms, whether or not you are a B.O.N.D. Community Federal Credit Union member. If you do not agree to the following terms and conditions, do not access this site or any page thereof.

As used in these terms and conditions, the words “we”, “our”, “the credit union” and “us” mean B.O.N.D. Community Federal Credit Union. And, the word “you” and “your” mean the website user.

Disclosure of Warranties and Liabilities:

All of the information and content of our Web site are subject to change without notice.

All information provided on this Web site is believed by us, B.O.N.D. Community Federal Credit Union, to be accurate and reliable as of the date posted on the site. However, due to the possibility of human and mechanical error, as well as other factors, we are not responsible for errors in or omissions from the information contained in this Web site. Please contact the Credit Union at (404) 525-0619 during regular business hours for the latest rates and terms, and to verify any information found on our website.

All of the information, materials, and functions contained in our Web site are provided on an "AS IS" basis without warranties of any kind, either expressed or implied, including, but not limited to, warranties or merchantability, adequacy, accuracy or error-free, timeliness, or completeness of the information and materials, fitness for a particular purpose, interruption, or freedom from computer virus.

In no event will B.O.N.D. Community Federal Credit Union be liable for any direct or indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with your use of this Web site or other sites linked to or from our Web site, for any errors in or omissions from information, materials and functions included in our Web site or any other sites linked to or from our Web site, or any interruption in the availability of our Web site, delay in operation or transmission, computer virus, loss of data, or otherwise, even if we have been advised of the possibility of such damages or losses.

B.O.N.D. Community Federal Credit Union offers links to you on an "as is" basis. Such links are not endorsements of any products or services in those sites, and no information in such sites has been endorsed or approved by us. B.O.N.D. Community Federal Credit Union is not responsible for the content, accuracy, or opinions expressed in other Web sites, and such Web sites are not investigated, monitored, or checked for accuracy or completeness by us. Third-party links are offered solely for the purpose of providing easy navigation to information that may be useful to users of our Web site, and you must use them at your own discretion.

When you visit a third party website by using a link on a B.O.N.D. Community Federal Credit Union site, you will no longer be protected by B.O.N.D. Community Federal Credit Union’s privacy policy or security practices.

When you access third-party websites linked on our website, you are leaving the B.O.N.D. Community Federal Credit Union’s website.

B.O.N.D. Community Federal Credit Union's privacy policies do not apply to linked websites. You should consult the privacy disclosures on each third-party site for further information.

Here are some tips to help you tell if you have left B.O.N.D. Community Federal Credit Union’s website:

  • Instead of a B.O.N.D. Community Federal Credit Union address (www.bondcu.com), the URL of the linked website appears in the location box (or address field) of your web browser.
  • The linked website is shown in a new browser window. And/or, the appearance of the linked site, including its colors and graphic design, is significantly different from the B.O.N.D. Community Federal Credit Union’s site.

Products and Services Eligibility:

Your eligibility for specific products and services is subject to determination and approval by B.O.N.D. Community Federal Credit Union.

Privacy and Use of Information:

We understand that you are concerned about privacy. For additional details about how we treat your nonpublic personal information, please refer to our Privacy Statement on the bottom of this page.

Visitors to B.O.N.D. Community Federal Credit Union’s website remain anonymous. We do not collect personal identifying information about visitors to our website. Our servers collect standard nonidentifying information about visits to the site, such as date and time visited. This information is used to compile standard statistics on site usage.

Web site Applications:

B.O.N.D. Community Federal Credit Union’s Member Pre-Qualification Application Page is secured and all information entered by the user is encrypted and e-mailed to a secure server. Only an authorized Credit Union employee can access and print the applications from the secured server to ensure confidentiality.

Virtual Branch / Online Banking Website:

Personal identifying information is collected when a member accesses our Virtual Branch / Online Banking website. This information enables the credit union to regulate entry to the secured portions of the website and to measure member usage. Any personal identifying information gathered during an online session is held confidential at B.O.N.D. Community Federal Credit Union. The Credit Union does not sell member data to third parties, whether it is gained online or already exists on the host system. Please, refer to our Privacy Statement for further information. Please, see the Virtual Branch/Online Banking & Bill Payment Services Terms and Conditions below.

E-mail and Online forms:

Personal information gathered from e-mail and online forms sent by members and non-members may be used by the credit union's staff to answer questions, follow-up on suggestions or complaints, or to provide or improve the requested service. Please be advised that e-mail is not secure against interception by unauthorized individuals. Never send confidential information such as account numbers, Personal Identification Numbers (PINs), credit card numbers or requests for financial transactions through e-mail to the credit union. Users are highly encouraged to seek alternatives to e-mail when it is necessary to provide sensitive or personal information that can compromise or violate a user's privacy when communicating via e-mail. If you wish to communicate sensitive or personal information, contact us by phone or mail at:

B.O.N.D. Community Federal Credit Union
P.O. Box 5286
Atlanta, GA 31107
Ph. 404-525-0619

Please, use the address and phone number above to request a copy of our Privacy Statement.

Location of Operations, Governing Law, and Consent to Jurisdiction:

This Web site (excluding linked sites) is controlled by B.O.N.D. Community Federal Credit Union’s from its offices in the State of Georgia, United States of America. While you may choose to access our website from other locations, we make no representation that any information, materials, or functions included in our website are appropriate or authorized for use in other jurisdictions. Your access from other locations is made on your own initiative; you, and not B.O.N.D. Community Federal Credit Union, are responsible for compliance with any applicable local laws and regulations.

Your access to and use of our Web site and these terms are governed by and will be construed in accordance with the laws of the State of Georgia without regard to principles of conflicts of laws, to the extent not pre-empted by federal law. In the event that any provision of these terms is held unenforceable, it will not affect the validity or enforceability of the remaining provisions.

In the event of a dispute concerning or relating in any way to this website, you and B.O.N.D. Community Federal Credit Union hereby submit to the exclusive personal jurisdiction and venue of the State and Federal Courts located in the State of Georgia with respect to such matters.

Children's Online Privacy Policy:

We recognize that protecting children's identities and online privacy is important. We encourage you to get involved with your child's online usage and to be aware of the activities in which they are participating.

Currently, B.O.N.D. Community Federal Credit Union does not collect personal information from children under 13 years old through its web site. We ask you to check back here regularly to see what our latest policies are, particularly those relating to children.

If you have questions concerning the privacy of your child's personal information, please contact us at the address and phone number shown above.

User Indemnification:

You agree to indemnify, defend and hold B.O.N.D. Community Federal Credit Union harmless from any liability, loss, claim and expense, including attorneys' fees, related to your violation of these terms and conditions or the use of the services and information provided at this Web site.

Virtual Branch/Online Banking & Bill Payment Services Terms and Conditions:

The following terms and conditions govern the manner in which B.O.N.D. Community FCU (Us, We, Our) will provide Virtual Branch/Online Banking and Bill Payment Services (Services) to You:

Our Member Service Information
Member Service is available at 404-525-0619 from 11:00 am to 6:00 pm EST Mondays trough Friday.
After hours calls are directed to a voicemail system.

Mail may be addressed to:
B.O.N.D. Community FCU
PO Box 5286
Atlanta, GA 31107

Services: You authorize Us to utilize Integrasys to provide the Services to You on Our behalf.
Payment of taxes or court directed payments via the Services is prohibited.
We reserve the right to refuse to make any payment and/or transfer.
Funds will arrive at Your targeted Merchant and/or Account as close as reasonably possible to the date designated by You in Your payment and/or transfer instruction (Payment Date). Subject to the terms and conditions of this Agreement, You authorize Us, and any third party acting on Our behalf, to choose the most effective method to process Your payment and/or transfer, including, without limitation, electronic, paper or some other draft means. For each properly instructed payment to an eligible Merchant and/or transfer to a targeted Account, You will receive a transaction confirmation number (Confirmation Number).

The Payment Date indicated by You must always be a Business Day (as defined below). If it is not, the Payment Date will be deemed to be the first Business Day after the date indicated.

UNLESS YOU RECEIVE A CONFIRMATION NUMBER, WE SHALL NOT BE LIABLE FOR ANY FAILURE TO MAKE A PAYMENT AND/OR TRANSFER, INCLUDING ANY FINANCECHARGES OR LATE FEES INCURRED AS A RESULT. IT IS ALSO IMPORTANT THAT THE PAYMENT DATE BE ON OR BEFORE THE MERCHANT DUE DATE, NOT THE LATE DATE, AND, SINCE THE TIME FOR US TO PROCESS YOUR PAYMENT VARIES ACCORDING TO THE PARTICULAR MERCHANT, YOU MUST BECOME FAMILIAR WITH THE PAYMENT PROCESSING TIME FOR EACH MERCHANT YOU DESIRE TO PAY, AND ALLOW THE APPROPRIATE NUMBER OF BUSINESS DAYS BETWEEN THE DAY YOU INPUT YOUR PAYMENT INSTRUCTION AND THE PAYMENT DATE. SUBJECT TO THE LIMITATION DISCUSSED BELOW, IF YOU FOLLOW THE PROCEDURES DESCRIBED IN THIS AGREEMENT FOR PAYMENTS, AND YOU ARE ASSESSED A PENALTY OR LATE CHARGE, WE WILL REIMBURSE YOU FOR THAT LATE CHARGE UP TO A MAXIMUM OF FIFTY DOLLARS ($50.00). IN THE EVENT THAT YOU DO NOT ADHERE TO THE OBLIGATIONS SET FORTH IN THIS AGREEMENT, OR YOU SCHEDULE A PAYMENT LESS THAN THE NUMBER OF BUSINESS DAYS BEFORE THE DUE DATE REQUIRED FOR A PARTICULAR MERCHANT, YOU WILL BEAR FULL RESPONSIBILITY FOR ALL PENALTIES AND LATE FEES AND WE WILL NOT BE LIABLE FOR ANY SUCH CHARGES OR FEES. THE SERVICE ASSUMES NO LIABILITY FOR THE LATE POSTING OR MISAPPLICATION OF PAYMENT ONCE FUNDS ARE RECEIVED BY MERCHANTS. THIS ABSENCE OF LIABILITY, HOWEVER, DOES NOT PRECLUDE SERVICE FROM WORKING TO RESOLVE THESE TYPES OF ISSUES WHEN THEY ARISE. IF REQUIRED WE WILL BE RESPONSIBLE FOR PROVIDING PROVISIONAL CREDIT IF PAYMENT DISPUTES THIS ACTION.

Limitation: Under no circumstances will We be liable if We are unable to complete any payments and/or transfers initiated in a timely manner via the Services because of the existence of any one or more of the following circumstances:

  1. You do not obtain Confirmation at the time You initiate a payment and/or transfer.
  2. The designated Account does not contain sufficient funds to complete the payment and/or transfer.
  3. You have closed the designated Account.
  4. We have identified You as a credit risk and have chosen to (i) make all payments and/or transfers initiated by You via the Services utilizing a paper, as opposed to electronic, method, or (ii) to terminate Your subscription to the Services.
  5. The Services, Your equipment, the software, or any communications link is not working properly and You know or have been advised by Us about the malfunction before You execute the transaction.
  6. You have not provided Us with the correct information for those Merchants to whom You wish to direct payment or Accounts to which You wish to make a transfer.
  7. The Merchant mishandles or delays handling payments sent by Us.
  8. Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside source) prevent the proper execution of the transaction and We have taken reasonable precautions to avoid these circumstances.

WE ARE NOT RESPONSIBLE FOR ANY OTHER LOSS, DAMAGE OR INJURY, WHETHER CAUSED BY YOUR EQUIPMENT OR SOFTWARE, THE SERVICES, OR ANY TECHNICAL OR EDITORIAL ERRORS CONTAINED IN OR OMISSIONS FROM ANY USER GUIDE/BROCHURE RELATED TO THE SERVICES. WE SHALL NOT BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGE ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT, SOFTWARE OR THE SERVICES, EXCEPT WHERE THE LAW REQUIRES A DIFFERENT STANDARD.

Payment Cancellation/Modification: Except for those transfers which are completed immediately, You may cancel or modify a payment and/or transfer up to 2:00 p.m. Eastern Time (ET) the same Business Day You schedule for payment and/or transfer.

Statements: All payments and/or transfers made via the Services will be listed on Your monthly Account statements (Statement) that you receive from Us.

New Services: We may, from time to time, introduce new services or enhance the existing Services. We shall notify You of the existence of these new or enhanced services. By using these services when they become available, You agree to be bound by the obligations concerning these services, which will be sent to You.

Care of Your Security Code and Security: You agree that You will not give your Services security code (Security Code) or make it available to any other person. If You believe that Your Security Code has been lost or stolen, or that someone has made payments and/or transfers using Your Security Code without Your permission, notify Us IMMEDIATELY by phone any time during Member Services hours or send an electronic message through the Service.

Your Liability for Unauthorized Payments: If you believe that your Security Code has been lost or stolen, notify Us IMMEDIATELY as provided above in order to keep your possible losses down. If you notify Us within two (2) Business Days after You learn of the loss or theft, your maximum liability is $50.00.
If you do NOT notify Us within two (2) Business Days after You learn of the loss or theft of your Security Code, and We can prove that We could have prevented someone from using Your Security Code if You had told Us in time, Your maximum liability is $ 500.00.

If your Statement contains payments and/or transfers that You did not make, notify Us IMMEDIATELY. If You do not notify Us within sixty (60) days after the Statement was mailed to You, You may not get back any of the money You lost if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a hospital stay or a long trip) prevented You from telling Us, We may at Our discretion, extend the time.

Errors and Questions: Contact Us as soon as possible at either the address or telephone number described above if You think that a payment and/or transfer listed on Your statement is in error or if You need more information about a payment and/or transfer listed on the Statement. We must hear from You no later than sixty (60) days after You received the first Statement on which the problem or error appeared.

When You call or write Us, You must:

  1. Tell Your name and User ID.
  2. Describe the payment and/or transfer You are unsure about (Merchant name, Account information, Transaction Date, Transaction Amount) and explain as clearly as You can why You believe it is an error or need more information. If possible, please provide Us with the Confirmation Number for such transaction.
  3. Tell Us the dollar amount of the suspected error. If You tell Us orally, or by using the Services’ electronic mail, We may require that You send Your complaint in writing within ten(10) Business Days. We will tell You the result of Our investigation within ten (10) Business Days after We receive Your complaint and will correct any Services error promptly. If We need more time, We may take up to forty-five (45) days to investigate the complaint or question. If We decide to do this, We will credit Your Account within ten (10) Business Days after we hear from you, for the amount You think is in error in order that You may have the use of the money during the time it takes to complete Our investigation. If We ask You to put Your question or complaint in writing and We do not receive it within ten (10) Business Days, We may not credit Your Account.

If We decide that there was no error, We will mail or transmit to You a written explanation within three (3) Business Days after We have completed the investigation. Within ten (10) Business days of the date of such explanation, We will debit Your account of the amount previously credited to You for use during the time We took to complete Our investigation. You may ask for copies of documents used during Our investigation.

Disclosure of Account Information to Third Parties: We will only disclose information to third parties about Your Accounts :
1. When it is necessary for completing payments and/or transfers;
2. In order to comply with a government agency or court order; or
3. If You give us Your permission.

Charges: You may be charged a monthly fee for the Services plus any applicable sales and use taxes. You authorize Us to effect automatic payment for this fee from one of Your Accounts by electronic, paper or other draft means.

In the event We are unable to process a Services transaction, (if, for example, there are insufficient funds in Your designated Accounts) the transaction will result in a “Failed Payment and/or Transfer”. In such event, We will charge the total cost of the transaction, including any service charges, to You. In the event of repetitive Failed Payment and/or Transfer, We reserve the right to suspend Your subscription to the Services. This suspension may be without prior notice to You. If Your subscription is suspended, transactions which were previously initiated may still continue to be processed unless canceled and confirmation of such cancellation is provided as specified below. Suspension will be handled by Member Services and all inquiries and correspondence relating thereto including requests for reinstatement should be directed to Member Services. In the event Your subscription is suspended, We will notify You by mail to Your listed address. With respect to any Failed Payment and/or Transfer, You agree to reimburse Us within fourteen (14) days after notice is sent to You, for any funds We have already paid to one or more of Your designated Merchants which We were unable to recover by debit to the Merchant or charge to You.

If You do not pay any amount owed to Us when due, You agree to pay interest on the unpaid balance at the rate of 18% per annum, or 1.5% per month (or the maximum rate allowed by applicable law, if less). In the event that Your claim or debt has to be referred to a third party for collection, You agree, to the extent permitted by law, to pay all costs and fees incurred in collecting the outstanding balances, including reasonable attorneys’ fees and court costs.

Fee Schedule: You agree to pay Us the fees to be published by Us from time to time.

Additional Terms and Conditions:

  1. In addition to the foregoing, You agree to be bound by and comply with the requirements of the Services User Guide and applicable state and federal laws and regulations. We agree to be bound by them too.
  2. We reserve the right to terminate Your use of the Services, in whole or in part, at any time without prior notice.
  3. You may cancel Your subscription to the Services, upon thirty (30) days prior notice to Member Services. You will be responsible for all payments and/or transfers You have requested prior to termination and for all other charges, fees, and taxes incurred.
    BE SURE TO CANCEL ALL OUTSTANDING PAYMENT AND/OR TRANSFER ORDERS WITHIN THE 30 DAY NOTIFICATION PERIOD. WE WILL NOT BE LIABLE FOR PAYMENTS AND/OR TRANSFERS NOT CANCELLED OR MADE DUE TO YOUR ACTIONS RELATED TO SERVICE TERMINATION.
  4. These Terms and Conditions, the Services User Guide and applicable Services fees and charges may only be altered or amended by Us. In such event, We shall send notice to You at your listed address or transmit notice of the alteration or amendment over the Services. Your use of the Services following receipt of such notice constitutes acceptance of such alterations or amendments.
  5. In the event of a dispute regarding the Services, You and We agree to resolve this dispute by looking to these Terms and Conditions. These Terms and Conditions shall supersede any and all other representations made by You or Our employees.
  6. These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Georgia.
  7. Business Days are Monday through Friday excluding normal banking holidays.

B.O.N.D. Community Federal Credit Union
P.O. Box 5286
Atlanta, GA 31107

Ph. 404-525-0619
Fax 404-577-8529

www.bondcu.com

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