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Terms of Use

Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy and website privacy policy govern TEG Federal Credit Union’s relationship with you in relation to this website.

You are using an official TEG Federal Credit Union system, which may be used only for authorized purposes. TEG Federal Credit Union may monitor and audit the usage of this system, and all persons are hereby notified that the use of this system constitutes consent to such monitoring and auditing. Unauthorized attempts to upload information and/or change information on this website are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec. 1001 and 1030.

The term ‘TEG Federal Credit Union’ or ‘TEG FCU’ or ‘TEG’ or ‘us’ or ‘we’ refers to the owner of the website whose registered office is 1 Commerce Street, Poughkeepsie, NY 12603. The term ‘you’ refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

Modification of Terms of Use

  • TEG Federal Credit Union reserves the right to change the terms, conditions, and notices under which the TEG FCU website and online secured services are offered.
  • You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the TEG Federal Credit Union website and online services constitutes your agreement to all such terms, conditions, and notices.
  • In no event shall TEG Federal Credit Union be liable for any lost data, use, profits, savings, goodwill, or indirect, incidental, special, consequential, exemplary or punitive damages arising out of or relating to your use or your inability to use information contained in this website. Your sole remedy for any damages related to the use of this website or information downloaded from this website is to discontinue use of this website.

Website Content

  • The content of the pages of this website is for your general information and use only. Content is subject to change without notice and is made as timely as possible.
  • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose.
  • You acknowledge that such information and materials available through this site are provided “AS IS” and with all faults. Content may include technical inaccuracies, typographical errors, and out-of-date information.
  • You agree that this site and the information and materials available through this site are for informational purposes only and do not constitute an offer to sell or a solicitation to buy any security, even if a specific security is referenced in this site or in any website linked to this site.
  • The use of any and all materials contained in this website is at your own risk.

Intellectual Property Rights

  • Unless otherwise indicated in this site, the pages, screens, text, logos, images, graphics, sound, information and materials available through this site (“the information and materials available through this site”) are the property of TEG Federal Credit Union, its affiliates or their respective licensors and are protected by applicable copyright, patent, trademark or other intellectual property laws.
  • You may not copy, display, distribute, download, license, modify, publish, broadcast, repost, reproduce, reuse, sell, transmit, modify, use to create a derivative work, or use for any public or commercial purpose any of the information and materials available through this site without the express written permission of TEG Federal Credit Union. This includes through e-mail or other electronic means. You may, however, download the information and materials available through this site to a computer or print out a hard copy for your personal reference if you do not remove any copyright or other notices contained therein. Also, we encourage you to tell others how to access the information and materials directly through this site.
  • You should send requests for our express written permission to any exception to this rule to [email protected].

Links to Third Party Sites

  • To provide you with greater access of information, we may provide links to non-TEG Federal Credit Union companies, such as mortgage companies or insurance companies. TEG FCU is not responsible for the content of the alternate website and cannot guarantee the relevance, timeliness, or accuracy of the materials provided by other agencies or organizations.
  • TEG FCU does not represent either the third party or the member if the two enter into a transaction. Privacy and security policies of non-TEG FCU websites may differ from those practiced by TEG FCU. We do not control any of these sites and are not responsible for the privacy or security in these sites. While we hope these organizations join us in respecting your privacy, and while we do attempt to monitor these sites to maintain our high standards, we offer these links only as a convenience to our members. If you choose to link to one of these sites, we strongly suggest that you review their privacy statement, especially prior to entering any non-public personal information.
  • TEG Federal Credit Union welcomes links to its site. You are free to create a link to TEG Federal Credit Unions’ website as long as the link does not state or imply any sponsorship of your site by TEG Federal Credit Union.
  • Also, we request a courtesy notification, via e-mail to [email protected], in advance of your link to our site.

Computer Viruses

  • It is possible to contract a computer virus or other malicious code by using the Internet or materials downloaded from it. TEG Federal Credit Union does not guarantee that this site or any of the information and materials available through this site will be virus or problem free, and we disclaim liability (if any) for viruses and similar problems. We attempt to keep our site virus free, but cannot assure you that our efforts will be successful.

E-mail

  • Messages transmitted via regular electronic mail (e-mail) are not secure and any information transmitted to this site via e-mail will not be treated as confidential.
  • TEG Federal Credit Union may use e-mail or other forms of input provided by visitors to this site for any purpose without compensation to the contributor.
  • We strongly suggest that you do not provide personal or account information via regular electronic mail (e-mail) or make a request that sensitive and confidential information be e-mailed to you.

Revocation of Access Authorization

  • TEG Federal Credit Union reserves the right, at its sole discretion, to revoke any or all access and use authorizations granted to site visitors at any time, without notice.
  • TEG Federal Credit Union may also terminate or suspend your access to TEG Federal Credit Union Online Banking for inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by TEG Federal Credit Union.
  • Upon termination of TEG Federal Credit Union Online Banking, your right to use these services immediately ceases.
  • If you have questions or comments about this policy, please contact [email protected].

Loan Application and Servicing Process

  • TEG Federal Credit Union is an online financial service provider that facilitates certain credit decisions for members based on their past credit history and current financial performance. We understand that you expect privacy, confidentiality and security for your financial transactions. We collect and use information about you only when we reasonably expect it is necessary to complete and process your loan application. We ask for information such as contact information (like name, address, phone number, etc.), unique identifiers (like social security number and date of birth) and financial information (like income amount) for specific business purposes in evaluating your loan request.
  • We request and use information obtained from national consumer credit reporting companies to further evaluate your loan application. At this time, we use information obtained from Equifax, TransUnion and Experian.
  • We provide training to our employees, which stress the importance of maintaining confidentiality of accounts. We maintain certain security standards to deter unauthorized access to confidential information about you. The integrity of our information is tested on a routine basis to validate and improve the protection we offer.
  • At times, it may be necessary that we share information about you with a party outside the TEG Federal Credit Union or affiliated entities, such as a vendor that we hire for support services. These vendors agree to safeguard any confidential information obtained and must abide by applicable law.
  • We do not disclose specific information about your accounts to parties outside our credit union and affiliated entities for their independent use unless:
    • You ask that we provide information or authorize its release.
      • The information is necessary so we may complete a transaction you initiated.
      • The disclosure is required or permitted by law.
      • The information is provided to an established national credit-reporting agency.

Governing Law; Jurisdiction

You agree that:

  1. Your access to and use of this site and these Terms of Use shall be governed by and construed in accordance with the internal laws of the State of New York and applicable Federal laws.
  2. Any dispute relating to your access to and use of this site or these Terms of Use (a “dispute”) shall be brought exclusively in the Dutchess County Court of New York;
  3. You knowingly, voluntarily and irrevocably:
    • Consent, for yourself and in respect of your property, to the exclusive jurisdiction of these courts.
    • Waive any immunity or objection, including any objection to personal jurisdiction or the laying of venue or based on the grounds of forum non conveniens, which you may have from or to the bringing of the dispute in such jurisdiction.
    • Waive any personal service of any summons, complaint or other process that may be made by any other means permitted by the State of Pennsylvania.
    • Waive any right to trial by jury.
    • Agree that any such dispute shall be decided by court trial without a jury.
    • Agree that TEG Federal Credit Union or its affiliates may file a printed or electronic version of the Terms of Use with any court as written evidence of your consents, waivers and agreements set forth herein.

Miscellaneous

  • These Terms of Use represent the complete and exclusive statement of the agreement between you and TEG Federal Credit Union regarding your access to this site and your use of the information and materials available through this site, and supersede all prior and contemporaneous agreements and representations regarding the subject matter hereof.
  • Notwithstanding the foregoing, however, the Terms of Use are in addition to, and do not nullify, any other agreement between you and TEG FCU or its affiliates governing your relationship with TEG FCU or its affiliates generally. Except as herein provided, no waiver, modification or amendment of any provision of these Terms of Use shall be effective against TEG FCU unless the same is in writing and signed by an authorized officer of TEG FCU. TEG FCU may modify these Terms of Use at any time upon written notice or posting to the site.
  • You agree that if you access this site or use the information and materials available through this site after such notification of changes; you will be bound by all such changes. Thus, you should continue to review these Terms of Use whenever using this site.
  • If you do not want to be bound by any changes, you must not use this site or any of the information and materials available through this site after the changes become effective.
  • Should any term or provision of the Terms of Use be deemed or held to be invalid or unenforceable, the remaining terms and provisions shall continue in full force and effect.
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