Navy Federal Online Disclosure
Terms and Conditions Acknowledgement and Acceptance
The goal of this Website is to provide a new way for us to share information and related links you may find helpful when making important financial decisions for you and your families. This website is designed to facilitate the discussion of information and ideas in a forum environment with the parameters as defined herein. This Website and all content, information and services accessible through it (not to include outside links) is made available by Navy Federal Credit Union (Navy Federal) and may be used only under the following Terms and Conditions. These Terms shall govern the use of the Website and apply to all Internet traffic visiting the Website.
BY ACCESSING AND/OR USING THE WEBSITE, YOU (referred to as “You” or “User”) AGREE TO BE LEGALLY BOUND BY THE TERMS AND CONDITIONS SET FORTH HEREIN (the “Agreement”). The Terms are meant to protect all of our members and Website visitors. IF AT ANY TIME YOU DO NOT AGREE WITH THESE TERMS, YOU MUST CEASE USING THE WEBSITE IMMEDIATELY AND DO NOT USE THIS WEBSITE.
Navy Federal grants the User a non-exclusive, non-transferable, revocable, limited license to access and use Website on any single computer for personal, non-commercial use. Navy Federal may terminate this license without notice at any time and for any, or no, reason.
Limitations on License. User may not copy, download, store, publish, transmit, transfer, sell, sublicense or otherwise use the Website, or any portion thereof, in any form or by any means, except (i) as expressly permitted by this Agreement, (ii) with Navy Federal’s prior written permission, or (iii) if not expressly prohibited by this Agreement, as allowed under the fair use provision of the Copyright Act (17 U.S.C. § 107). User may not alter or modify information or services provided through the Website in any way. User may not decipher, reverse engineer, decompile, disassemble or otherwise attempt to discern the source code or architecture of the components of the Website, or any information about usage or users. User may not use any robot, spider, other automatic device or manual process to access, monitor or copy the Website without Navy Federal’s prior written permission.
Intellectual Property Rights. Unless otherwise explicitly noted, all elements of the Website including, but not limited to, calculators, checklists, text, articles, logos, trademarks, graphics and overall “look and feel” are the property of Navy Federal. Nothing herein shall be construed to confer any license or right, by implication, estoppel or otherwise, under copyright or other intellectual property rights either now or in the future. User acknowledges that the Website is protected by copyrights, trademarks, service marks, patents and other proprietary rights and laws.
Change in Terms
Navy Federal Credit Union (Navy Federal) reserves the right, in its sole discretion, to alter or otherwise modify these Terms at any time. Such modifications shall be effective immediately upon posting or publication on the Website. User is responsible for regularly reviewing the Disclosure Terms and Conditions. Continued use of the Website by User after any such modification of this Agreement constitutes User’s assent to such modifications and agreement to be bound by such revised Terms.
While this is an open forum, we intend to maintain a family-friendly atmosphere, so please use appropriate language at all times when posting and/or commenting on Navy Federal Blog content. By submitting any content, you grant Navy Federal the right to use this content in any and all Navy Federal websites, including social media channels, print and other media, without payment or any other considerations. Please take time to review our posting guidelines below, and bear in mind we reserve the right to remove any posts or comments that do not comply with the following standards:
- Content we deem graphic, obscene, explicit, racial, or disparaging in any form or context is not permitted.
- Content we consider to be abusive, hateful, inflammatory, or intended to defame any person(s) and/or entity is not permitted.
- Content that seeks to defame or defraud any financial, commercial, or non-governmental agency is not permitted.
- Solicitations and/or advertisements are not permitted.
- Content that contains any suggestion or encouragement of illegal activity is not permitted.
- Participation on our Facebook page is done so at your own risk; therefore, you are taking personal responsibility for your posts/comments, your username and any information you provide.
- Comments that vary greatly from the overall theme of a particular discussion thread may be subject to removal.
- Note that the appearance of external links on this site does not constitute official endorsement by Navy Federal Credit Union.
You are specifically prohibited from any use of this Website, and you agree not to use or permit others to use this Website, for any of the following: (a) taking any action that imposes an unreasonable or disproportionately large load on the Website’s infrastructure, including but not limited to “spam” or other such unsolicited mass email techniques; (b) disclosing or sharing the assigned confirmation numbers and/or passwords to or with any unauthorized third parties, or using the assigned confirmation number and/or passwords for any unauthorized purpose; (c) attempting to decipher, decompile, disassemble or reverse engineer any of the software or HTML code comprising or in any way making up a part of this Website; (d) uploading, posting, emailing or otherwise transmitting any information, content, or proprietary rights that you do not have a right to transmit under any law or under contractual or fiduciary relationships; (e) violating any applicable local, state, national or international law, including, but not limited to, any regulations having the force of law, and (f) using any robot, spider, intelligent agent, other automatic device, or manual process to search, monitor or copy Navy Federal’s Web pages, or the contents.
Commercial Use Prohibited. Services on the Website that allow User to contact, communicate or interact with other users, Navy Federal or Navy Federal affiliates and customers (“Interactive Services”) are provided to User solely for personal use. User will not include any advertising, promotion, solicitation for goods, services or funds, or solicitation for anyone to become members of a commercial enterprise or organization in any posted materials delivered through Interactive Services without the express written permission of Navy Federal. User will not use or permit any person or entity to use Website for any commercial purpose gratuitously or for profit.
The Website’s financial calculators are for educational and illustrative purposes only and are provided to assist You in estimating the approximate costs associated with the financial activity as requested by You through the use of the Website. The information provided is not intended to provide You with any legal, tax or financial advice, and nothing in the Website calculators should be construed as providing You with any such advice. Navy Federal hopes you find this information useful but Navy Federal cannot guarantee that it is accurate, up to date or appropriate to your situation. You should consult a qualified attorney or financial advisor for legal or financial advice in order to understand how the law applies to Your particular circumstances or to obtain financial information specific to Your personal or business situation.
Disclaimer of Warranties and Liability
This Website is provided “as is” with no warranties of any kind, either express or implied. To the fullest extent permissible under applicable law, Navy Federal disclaims any and all warranties express or implied, including but not limited to implied warranties of performance, merchantability and fitness for a particular purpose, accuracy, omissions, completeness, currentness and delays. Neither Navy Federal nor any person involved in the creation, production and distribution of the Website warrant that the function contained in the Website will be uninterrupted, secure, complete or error-free, that defects will be corrected, or that the server that makes the content available will be free of viruses or other harmful components. The content that you access on the Website is provided solely for your convenience and information only. Navy Federal does not warrant or make any representations regarding the results that may be obtained from the use of this Website, or as to the reliability, accuracy or currency of any information content, and/or service acquired pursuant to your use of the web site. Navy Federal disclaims all responsibility for any loss, injury, claim, liability or damage of any kind resulting from, arising out of, or in any way related to (i) the access or use of the Website, including both Navy Federal and third party content and services delivered through the Website, (ii) the unavailability of the Website or any portion thereof, (iii) the access or use of third party websites and content or services therein through links in the Website, or (iv) User’s use of equipment and software in connection with access and use of the Website. Navy Federal is not responsible for the accuracy, reliability, capability or content of any third party site or content accessed in conjunction with this Website. Other sites may contain inaccuracies or typographical errors, and Navy Federal specifically disclaims any liability for such inaccuracies or errors.
Furthermore, you expressly agree that use of this Website is at your sole risk. You (and not Navy Federal) assume the entire cost of all necessary servicing, repairs or correction of your computer system, including but not limited to hardware and software. You expressly agree that neither Navy Federal, nor any of its respective employees or agents, nor any person or entity involved in the creation, production and distribution of this Website, is responsible or liable to any person or entity whatsoever for any loss, damage (whether actual, consequential, incidental, exemplary, indirect, special, punitive or otherwise), injury claim, liability or other cause of any kind or character whatsoever, whether or not the likelihood of such damages was known, based upon or resulting from the use or attempted use of the Website or any other linked site. By way of example, and without limiting the generality of the foregoing, Navy Federal and/or related persons shall not be responsible or liable for any claim or damage arising from failure of performance, error, omission, interruption, deletion, defect, delay in operation, computer virus, theft, destruction, unauthorized access to or alteration of personal records or the reliance upon or use of data information, opinions or other material appearing on the Website. You expressly acknowledge and agree that Navy Federal is not liable or responsible for any defamatory, offensive or illegal conduct of other subscribers or third parties. Some jurisdictions may not allow the exclusion or limitations of liability for consequential or incidental damages in such jurisdictions. Navy Federal’s liability is limited to the greatest extent permitted by law.
You understand and agree that your use of the Website is at your own discretion and risk, and that you will be solely responsible for any damages to your computer system (in part or in whole, including but not limited to hardware and software) or loss of data that results from your use of the Website.
Limitation of Liability. User’s exclusive remedy and Navy Federal’s, its affiliates and/or contributors’ entire liability under this agreement, if any, for any claim for damages relating to use of the Website which are made against them, individually or jointly, whether based in contract or negligence, shall be limited to the aggregate amount of charges paid by User relative to the specific Website feature which is the basis of the claim during the 12 month period preceding the event giving rise to such claim. In no event shall Navy Federal, its affiliates and/or contributors be liable to User for any claim relating in any way to (a) User’s inability or failure to use the Website properly or completely, even if assisted by Navy Federal, its affiliates or contributors, or any decision made or action taken by User in reliance upon the Website delivered information and services; or (b) any lost profits or other consequential, exemplary, incidental, indirect or special damages relating in whole or in part to User’s rights under this agreement or use of, or inability to use the Website, even if Navy Federal, its affiliates and/or contributors have been advised of the possibility of such damages. Navy Federal shall have no liability whatsoever to User for any claim relating in any way to any third party content or feature.
User agrees to indemnify, defend and hold harmless Navy Federal, its officers, directors, employees, affiliates, agents, licensors, contractors and suppliers from and against any and all claims, losses, expenses, damages liabilities, suits, fines or judgments and costs, including but not limited to reasonable attorney’s fees and actual expenses incidental thereto, which may be suffered by, accrued against, charged to, or recoverable from Navy Federal resulting from any violation by you of these Terms or arising from any content User posts, submits, transmits or otherwise makes available through the Website, User’s violation of the terms and conditions of this Agreement, or the violation of the intellectual property rights of any third party.
Authorized and Unauthorized Access/Use and Fraud Investigations
If you have designated an authorized user(s) on Account Access, your authorized user(s) will also have online access to this Website. You and your authorized user(s) are equally responsible for adhering to all items disclosed in this agreement.
You must promptly notify Navy Federal at 1-888-842-6328 of any unauthorized use of this Website with your information or credentials or any other breach of security you become aware of involving or relating to this Website. By using this Website you agree any action taken by you on the Website shall be deemed an action taken on your own behalf.
Governing Law and General Provisions
You may not assign this Agreement and you are not permitted to sublicense or otherwise transfer any rights to this Agreement without Navy Federal’s prior written consent. This agreement is governed by the laws of the Commonwealth of Virginia and the United States. The parties agree that the state and federal courts sitting in Virginia will have exclusive jurisdiction over any claim arising out of this Agreement and each party consents to the exclusive jurisdiction of such courts. A determination that any provision of this Agreement is unenforceable or invalid shall not render any other provision of this Agreement unenforceable or invalid, and the remaining provisions of this Agreement shall continue and remain in effect. Failure of any party to enforce any provision of this Agreement will not constitute or be construed as a waiver of such provision or of the right to enforce such provision. The headings and captions contained in this Agreement are inserted for convenience only and do not constitute a part of this Agreement. Navy Federal’s performance under these Terms and Conditions of use are subject to interruption and delay due to causes beyond its reasonable control, such as acts of God, acts of any government, war or other hostility, civil disorder, the elements, fire, explosion, power failure, equipment failure, industrial or labor dispute, inability to obtain necessary supplies and the like.
Website Collection, Use and Disclosure of Personal Information
Navy Federal believes your privacy and the confidentiality of your business with us to be paramount in the trust you place in us. As you interact with our Website, we may collect certain information from you, including but not limited to name, passwords, postal address, email address, and telephone numbers. Navy Federal and its wholly owned subsidiaries or affiliates may use this information in various ways, including but not limited to sending emails informing you about products and services and improving our mission.