Terms of Use

1 About This Website

This Website provides general information about the Credit Union, our products and services, and may include online forms for inquiries, membership applications, or service requests.

This Website does not provide financial, investment, legal, or professional advice, and any information provided is for general informational purposes only unless expressly stated otherwise.

2 Acceptance of Terms

By accessing or using this Website, you confirm that you:

• Have read and understood these Terms;
• Agree to comply with them; and
• Are using the Website solely for lawful and legitimate purposes.

If you use this Website on behalf of another person or entity, you represent that you are authorized to do so and that the other party accepts these Terms.

3 Changes to These Terms

We may update or modify these Terms from time to time. Updates will be posted on this page with a new “Last Updated” date. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

4 Jurisdiction and Governing Law

These Terms are governed by and interpreted in accordance with the laws of the Republic of Trinidad and Tobago. Any disputes arising out of or relating to these Terms or the Website shall be subject to the exclusive jurisdiction of the courts of Trinidad and Tobago.

5 Privacy and Data Protection

Your privacy is important to us. Any personal information you submit through this Website is handled in accordance with:

• Our Privacy Policy; and
• The Data Protection Act, Chap. 22:04 of Trinidad & Tobago.

6 Security

We take reasonable technical and organizational measures to safeguard information, however, you acknowledge that Internet transmissions may not be completely secure.

Users are responsible for:

• Ensuring devices are protected from malware
• Avoiding public Wi-Fi for personal data submissions
• Verifying they are on our authentic Website

8 Prohibited Uses

You may not use this Website for any unlawful or improper purpose, including:

• Attempting unauthorized access to systems or data
• Engaging in fraudulent activity or misrepresentation
• Uploading viruses or malicious software
• Using automated tools (bots/scrapers) without permission

11 Intellectual Property

All Website content—including text, graphics, logos, images, layout, and design—is the property of the Credit Union or its licensors and is protected by intellectual property laws.

16 Contact Information

For questions, concerns, or notices under these Terms: