Utah Community Credit Union

Utah Community Credit Union (UCCU) Interactive Media Guidelines and Comment Policy

Policy Overview

  1. Policy Purpose: This policy governs interactions by users on Utah Community Credit Union-controlled interactive media including, but not limited to, websites, blogs, pages, feeds, channels, and other means of interactive communication (collectively, “UCCU Media”). UCCU Media can be viewed by members of the public and should NOT be used to get help about your specific Utah Community Credit Union account. If you wish to speak to someone about your Utah Community Credit Union account (also referred to herein as “UCCU” and/or “the Company”) or transaction, please call our member service representatives, who will be happy to help you. You can reach them by calling 1-800-453-8188.
  2. Policy Application: This policy applies to all eligible users of UCCU Media, including employees and third parties. Users of UCCU Media must be at least thirteen (13) years of age. If UCCU has actual knowledge that a user is under the age of thirteen (13), UCCU may take any or all action permitted to it or within its control, including but not limited to the following: (a) banning/blocking the user from accessing UCCU's social media pages; (b) terminating that user's account immediately, without giving notice to the user; and/or (c) reporting the user's activity to a relevant third party for future action (e.g., reporting violations to Facebook or Twitter).
  3. Related Policies: In addition to this policy, all users of UCCU Media are subject to the Utah Community Investment Services website use (located at http://www.ucfinancial.net/new/ucfinancial/ ) and the UCCU Privacy Policy (located at http://www.uccu.com/home/privacy ).
  4. In this Policy: In this policy, you will find the following sections:
    • Third Party Links
    • Agreement to and Acceptance of Terms
    • Posting of Personal, Private and/or Confidential Information
    • Discussion Guidelines
    • Your Representations by Posting
    • Postings by Employees
    • Validation of Assertions Made in Comments
    • Exclusion of Warranties
    • Limitation of Liability
    • DMCA Copyright Information

Third Party Links

UCCU Media may reference links in its content to websites (including blogs, articles, products, services, news sites and other web sites) controlled by third parties who are not affiliated with UCCU (Third-Party Sites). These Third-Party Sites may not follow the same privacy, security or accessibility standards as those of UCCU Media.

Some of those reference links may be or include trademarked or copyrighted properties. Those said properties are all the property of their respective owners, and their affiliated or non-affiliated owners, and UCCU disclaims any liability and ownership rights to the aforementioned marks.

UCCU is not associated with the Third-Party Sites referenced and is not responsible for and does not endorse or guarantee the content, websites, products, services or operations of the Third-Party Sites or their affiliates.

The Third-Party Sites have not necessarily recommended or endorsed UCCU or its products or services. All problems, questions or concerns regarding the Third-Party Sites or their web site(s) or the use thereof should be directed to the business owners' customer service department.


Agreement to and Acceptance of Terms

By using any UCCU Media, you agree to these terms:

  1. UCCU reserves the right to change these terms of use at any time at its sole discretion. The most current terms of use will be available to you online so please check back regularly for updates.

  2. You will abide by all policies of UCCU, and its affiliated entities, as may be referenced or discussed in these terms of use.

  3. You will abide by any terms of use that apply specifically to any UCCU Media, in addition to these general terms of use. Any additional terms of use will be noted on the specific UCCU Media.

In order to use any UCCU Media, you must first agree to these terms of use (and anything incorporated herein by reference). You may not use UCCU Media if you do not accept the terms. You can accept the terms by:

  1. Clicking to accept or agree to the terms, where this option is made available to you by UCCU in the user interface for any UCCU Media; or

  2. By actually using UCCU Media. In this case, you understand and agree that UCCU will treat your use of the UCCU Media as acceptance of these terms of use from that point onwards.


Posting of Personal, Private and/or Confidential Information

UCCU Media is generally available to the public. NEVER POST PERSONAL, PRIVATE AND/OR CONFIDENTIAL INFORMATION, SUCH AS YOUR ADDRESS, TELEPHONE NUMBER, ACCOUNT INFORMATION, PASSWORD, BALANCE, ETC. ON ANY UCCU MEDIA. UCCU is not responsible for anything that may occur if you post your personal, private and/or confidential information to UCCU Media. If you have any doubt about the confidentiality of certain information, DON'T POST IT.


Discussion Guidelines

We're glad you're here and encourage you to participate in the conversation with your own experiences, ideas, suggestions and opinions. To keep the discussion on track and appropriate for everyone, we request that you follow these guidelines. Your posting must not contain the following:

  • Confidential Content. Content which discloses any confidential or non-public third party information which you do not have permission and/or authority to disclose;
  • Disparaging Content. Content that disparages any person, UCCU, any entity affiliated with UCCU, and/or any of their respective products or services;
  • Infringing Content. Content that violates or infringes the rights of any person or entity including, but not limited to, privacy, publicity and/or intellectual property rights, including the copyrights and brand rights of UCCU and/or of third parties;
  • Hateful Content. Content that is hateful, tortious, defamatory, slanderous, libelous, or obscene;
  • Discriminatory Content. Content that promotes bigotry, racism, sexism, hatred or harm against any group or individual or promotes discrimination based on race, sex, religion, nationality, disability or age;
  • Unlawful Content. Content that is unlawful, in violation of or contrary to the laws or regulations applicable to UCCU and/or UCCU Media; and
  • Spam. You know it when you see it, and so do we. We observe and enforce a zero-tolerance policy for pitching products or services or posting comments that drive traffic to a website (including for personal, political or monetary gain).

All decisions regarding whether a posting violates these guidelines will be made by UCCU, in its sole and absolute discretion. UCCU reserves the right to remove any posting, whether created by UCCU, an employee, or a third party, at any time, for any or no reason, without notice or explanation, regardless of whether that posting violates the discussion guidelines.


Your Representations by Posting

By posting, you are representing that you have the right to post the content contained in your message and have obtained any necessary permission and clearances.


Postings by Employees

UCCU does not endorse any comments made by its employees, unless they are authorized spokespersons for the UCCU. If any authorized spokesperson is speaking on social media sites in his/her individual capacity, that person will identify himself/herself as an employee of UCCU, and will give his/her name and title. If an employee who is an authorized spokesperson for UCCU makes a post on its behalf, then because it is UCCU which is speaking, this employee may not be specifically identified. That does not guarantee, however, that employees who post content are authorized spokespersons who are engaging in authorized speech about the Company.


Validation of Assertions Made in Comments

UCCU does not validate assertions or forward-looking statements in the comments. All statements and viewpoints expressed in the comments are strictly those of the commenter alone and do not necessarily represent the viewpoints, positions, strategies or opinions of UCCU, its management or its affiliates.


Exclusion of Warranties

Nothing in these terms shall exclude or limit UCCU's warranty or liability for losses which may not be lawfully excluded or limited by applicable law. Some jurisdictions do not allow the exclusion of certain warranties or conditions or the limitation or exclusion of liability for loss or damage caused by negligence, breach of contract or breach of implied terms, or incidental or consequential damages. Accordingly, only the limitations which are lawful in your jurisdiction will apply to you and our liability will be limited to the maximum extent permitted by law.

You expressly understand and agree that your use of the UCCU Media services is at your sole risk and that those services are provided "as is" and “as available.” In particular, UCCU , its subsidiaries and affiliates, and its licensors do not represent or warrant to you that:

  1. Your use of the UCCU Media will meet your requirements;

  2. Your use of the UCCU Media will be uninterrupted, timely, secure or free from error;

  3. Any information obtained by you as a result of your use of the UCCU Media will be accurate or reliable; and

  4. That defects in the operation or functionality of any UCCU Media will be corrected.

Any material downloaded or otherwise obtained through the use of the UCCU Media is done at your own discretion and risk and you will be solely responsible for any damage to your computer system or other device and/or any loss of data that results from the download of any such material.

No advice or information, whether oral or written, obtained by you from UCCU or through or from the UCCU Media, shall create any warranty not expressly stated in the applicable terms including, but not limited to, these terms of use

UCCU further expressly disclaims all warranties and conditions of any kind, whether express or implied, including, but not limited to the implied warranties and conditions of merchantability, fitness for a particular purpose and non-infringement.


Limitation of Liability

Subject to overall provision in the Disclaimer of Warranties provision, you expressly understand and agree that UCCU, its subsidiaries and affiliates, and its licensors shall not be liable to you for:

  1. Any direct, indirect, incidental, special consequential, exemplary, or other damages which may be incurred by you, however caused and under any theory of liability. This shall include, but not be limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation, any loss of data suffered, cost of procurement of substitute goods or services, or other intangible loss;

  2. Any loss or damage which may be incurred by you including, but not limited to, loss or damage as a result of:

    1. Any reliance placed by you on the completeness, accuracy or existence of any advertising, or as a result of any relationship or transaction between you and any other party who uses the UCCU Media;
    2. Any changes which UCCU may make to the UCCU Media, or for any permanent or temporary cessation in the provision of the UCCU Media (or any features within the UCCU Media);
    3. Any statement or promise by a representative of UCCU that UCCU will edit or remove, or cause to be edited or removed, any posting on any UCCU Media, regardless of the nature of that posting;
    4. The deletion of, corruption of, or failure to store, any content and other communications data maintained or transmitted by or through your use of the UCCU Media; and
    5. Any violation of the Discussion Guidelines, regardless of who may have violated those guidelines.

The limitations on UCCU's liability to you in the section above shall apply whether or not UCCU has been advised of or should have been aware of the possibility of any such losses arising.


DMCA Copyright Information

Disclaimer of Liability. UCCU expressly disclaims any and all liability in connection with any posting to UCCU Media. UCCU does not permit infringement of intellectual property rights, including infringement of any copyrights, on UCCU Media, and UCCU will remove any posting if properly notified that such posting infringes on another's intellectual property rights. UCCU reserves the right to remove postings without prior notice. UCCU may also terminate a user's access to UCCU Media if the user is determined to be, in the sole discretion of UCCU, a repeat infringer.

Infringement Notification Procedure. If you are a copyright owner or an agent thereof and believe that any posting or other content infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing UCCU's Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material;
  • Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and email address;
  • A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  • A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

UCCU's designated Copyright Agent to receive notifications of claimed infringement is: Travis Clegg. For clarity, only DMCA notices should go to the Copyright Agent. All other feedback, comments, or questions should be directed to UCCU's member service representatives. You can reach them by calling 1-800-453-8188.

You acknowledge that if you fail to comply with all of the requirements of this Section 5(D), your DMCA notice may not be valid.

Counter-Notice. If you have had a posting removed under the above take-down procedure, and you believe that the posting is not infringing, you may send a counter-notice containing the following information to the Copyright Agent:

  • Your physical or electronic signature;
  • Identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled;
  • A statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and
  • Your name, address, telephone number, and email address, a statement that you consent to the jurisdiction of the federal court in the District of Utah or the appropriate Utah state court located in Utah County, Utah, and a statement that you will accept service of process from the person who provided notification of the alleged infringement.

If a counter-notice is received by the Copyright Agent, UCCU may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at UCCU's sole discretion.

NCUA Equal Housing Lender
Utah Community Credit Union, PO Box 1900, Provo, Utah 84603-1900, 1 (800) 453-8188. All Rights Reserved. Utah Community Federal Credit Union does business as (DBA) Utah Community Credit Union. Unauthorized account access or use is not permitted and may constitute a crime punishable by law.