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	Legal Disclosures USA Patriot Act Federal law requires all financial institutions to obtain, verify and record information that identifies each person who establishes a new account. What this means to you. When you open a new membership, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents. Links to sites outside of niagaraschoice.org Niagara's Choice FCU makes links to other web sites, vendors and third parties available on this site. Links are provided to give you the opportunity to access the products and services of these other parties. NCFCU is not able to guarantee how these third parties collect or use personally identifiable information you submit to them. We urge you to review the privacy policies of each of the linked web sites you visit. When you visit these third party sites you will no longer be subject to, or under the protection of, the privacy and security policies of Niagara's Choice FCU and Niagara's Choice FCU is not responsible for the content of these third party web sites. NCFCU does not represent either the third party or the member if the two enter into a transaction. Terms of Agreement Niagara’s Choice Federal Credit union of Niagara Falls, NY has created and maintains www.niagaraschoice.org ("the Site") in support of its mission to be members first choice, offering secure products, with personal service, at an affordable price and its interest in providing financial assistance to the Niagara community as well as credit union members both existing and eligible access to and use of this Site is subject to the following terms and conditions ("Terms and Conditions") and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, the Terms and Conditions and other notices and acknowledge full and complete acceptance of these terms. Terms and Conditions Access to and use of Niagara’s Choice FCU image and text files and data on this Site are subject to the following Terms and Conditions: 1. The text, images, and data on the Site are protected by copyright and may be subject to other restrictions as well. Niagara’s Choice FCU and relevant third parties retain all rights, including copyright, in data, images, audio and video clips, software, documentation, text, and other information contained in these files (collectively, the "Materials"). Users may download Materials subject to the preceding and following Terms and Conditions, and subject to any additional terms or restrictions applicable to the individual file or program, provided all copyright and other proprietary notices contained on the Materials are retained. 2. Niagara’s Choice FCU expressly prohibits the use, copying, display, publication, distribution, transmission, modification, reposting or exploitation for commercial or public purposes of any protected Materials on the Site, and permits only the purposes described above. 3. While Niagara’s Choice FCU uses reasonable efforts to include accurate and up-to-date information in this Site, Niagara’s Choice FCU makes no representations or warranties as to its accuracy. Niagara’s Choice FCU assumes no liability or responsibility for any errors or omissions in the content of the Site. 4. Use of and browsing in the Site are at your risk. Neither Niagara’s Choice FCU nor any other party involved in creating, producing, delivering or maintaining the Site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of, the Site. Without limiting the foregoing, all Materials on the Site are provided "AS IS" WITHOUT A WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND/OR NON-INFRINGEMENT. Niagara’s Choice FCU assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, browsing in, or downloading of any Materials from the Site. 5. Except where specifically indicated otherwise, any communication or material you transmit to the Site by electronic mail or other means, including any data, questions, comments, suggestions or the like is, and will be treated as, non-confidential and non-proprietary. Anything you transmit or post may be used by Niagara’s Choice FCU or its affiliates or licensees for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, posting and the like. Niagara’s Choice FCU is free to use any ideas, concepts, know-how or techniques contained in any communication you send to the Site for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information. Permissions Any party wishing to use any of the Materials from the Site, for any purpose other than the limited purposes identified above, must request and receive prior written approval from Niagara’s Choice FCU. Permission for such use is granted on a case-by-case basis at the sole discretion of Niagara’s Choice FCU. For inquiries, please contact: Al Frosolone Chief Executive Officer Niagara’s Choice FCU 3619 Packard Rd Niagara Falls, NY 14303 716-284-4110 AFrosolone@niagaraschoice.org A usage fee may be charged depending on the nature and type of the proposed use. Niagara’s Choice FCU reserves the right not to grant permission to use its Materials, and does not grant permission to use Materials of third parties. Trademarks The Trademarks of third parties may also be displayed on the Site. Nothing contained in this Site should be construed as granting, by implication, estoppels, or otherwise, any right or license to use any Trademark displayed on the Site without written permission of Niagara’s Choice FCU or any third party owner of the Trademark displayed on the Site. Your misuse of the Trademarks displayed on the Site, including alteration or use out of context, is strictly prohibited. Links The Site may contain links to third party sites. Niagara’s Choice FCU has not reviewed all of the sites linked to the Site and is not responsible for any content of any linked site. Your linking to any off-site pages or to other sites is at your own risk. Niagara’s Choice FCU provides these links as a convenience only, and a link does not imply endorsement, sponsorship or any affiliation with the linked site. Content Provided by Users Although Niagara’s Choice FCU may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards and the like on the Site, Niagara’s Choice FCU is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information within such locations on the Site. Users are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. Niagara’s Choice FCU will fully cooperate with any law enforcement authorities or court order requesting or directing Niagara’s Choice FCU to disclose the identity of anyone posting any such information or materials. Applicable Law and Jurisdiction The Site (excluding links to Web Sites operated by others) is controlled and operated by Niagara’s Choice FCU from its offices in Niagara Falls, NY. Although Niagara’s Choice FCU has made no effort to publish the Site elsewhere, it is accessible in all fifty U.S. states and in other countries due to its presence on the Worldwide Web. As each of these states and countries have laws which may differ from those of New York and from each other, and as you and Niagara’s Choice FCU both benefit from establishing a predictable legal environment in which to publish, access and use Niagara’s Choice FCU Web Site, by publishing, accessing, and/or using the Site you agree that all matters arising from or relating to the use and operation of the Site will be governed by the laws of the State of New York, without regard to its conflict of laws principles. You agree that all claims you may have arising from or relating to the operation or use of the Site will be heard and resolved in the courts of Niagara Falls, New York. You consent to personal jurisdiction of such courts over you, stipulate to the fairness and convenience of proceeding in such courts, and covenant not to assert any objection to proceeding in such courts. If you choose to access the Site from locations other than Niagara County, New York, you will be responsible for compliance with all local laws of such other locations. Indemnity You agree to indemnify, defend, and hold Niagara’s Choice FCU, its officers, agents, and employees harmless from all claims, causes, allegations, costs, expenses, fees (including reasonable attorneys' fees), judgments, liabilities, losses and damages arising from or relating to your use of or operation of the Site. Waiver Any waiver of any provision of this Agreement must be in writing and signed by an authorized representative of Niagara’s Choice FCU. Niagara’s Choice FCU may at any time revise these Terms and Conditions and other notices contained herein by updating this posting. You are bound by such revisions and should periodically visit this page to review the then-current Terms and Conditions.