1. User’s Acknowledgment and Acceptance of Terms

PSCU Credit Union Cooperative Society Limited (“Us” or “We”) provides the PSCU Credit Union site and various related services (collectively, the “site”) to you, the user, subject to your compliance with all the terms, conditions, and notices contained or referenced herein (the “Terms of Use”), as well as any other written agreement between us and you. In addition, when using particular services or materials on this site, users shall be subject to any posted rules applicable to such services or materials that may contain terms and conditions in addition to those in these Terms of Use. All such guidelines or rules are hereby incorporated by reference into these Terms of Use.

BY USING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, PLEASE EXIT THE SITE IMMEDIATELY. YOUR AGREEMENT WITH US REGARDING COMPLIANCE WITH THESE TERMS OF USE BECOMES EFFECTIVE IMMEDIATELY UPON COMMENCEMENT OF YOUR USE OF THIS SITE.

These Terms of Use are effective as of July 1st , 2019. We expressly reserve the right to change these Terms of Use from time to time without notice to you. It is your responsibility to review these Terms of Use from time to time and to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute an acknowledgement of the modified Terms of Use and your agreement to abide and be bound by the modified Terms of Use.

As used in these Terms of Use, references to our “Affiliates” include our owners, subsidiaries, affiliated companies, officers, directors, suppliers, partners, sponsors, and advertisers, and includes (without limitation) all parties involved in creating, producing, and/or delivering this site and/or its contents.

2. Description of Services

We make various services available on this site including, but not limited to, information about PSCU Credit Union products and services, newsletter subscription service, online banking, forms and other like services. We reserve the sole right to either modify or discontinue the services of this site, including any of the site’s features, at any time with or without notice to you. We will not be liable to you or any third party should we exercise such right. Any new features that augment or enhance the then-current services on this site shall also be subject to these Terms of Use.

3. Privacy

We are committed to respecting your privacy. We have structured our website so that, in general, you can visit PSCU Credit Union on the Web without identifying yourself or revealing any personal information. Once you choose to provide us with personally identifiable information (any information by which you can be identified), you can be assured that it will only be used to support your customer relationship with PSCU Credit Union. This statement regarding the privacy of the personally identifiable information you provide online covers three main areas:

Awareness, Choice, Accuracy & Access

i) Awareness
PSCU Credit Union provides this Online Privacy Statement to make you aware of our privacy policy and practices and of the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and it the bottom of every PSCU Credit Union web page. On the PSCU Credit Union web site, you can request products or services, and register to receive materials. In order to tailor our subsequent communications to you and continuously improve our products and services, we may also ask you to voluntarily provide us with information regarding your personal or professional interests, demographics, experience with our products, and contact preferences.

a. How we use your Information
PSCU Credit Union uses your information to understand your needs and provide you with better service. Specifically, we use your information to help you complete a transaction, to communicate with you, to update you on service and benefits, and to personalize our online services for you. From time to time, we may also use your information to contact you for market research or to provide you with marketing information which we think would be of particular interest. We will always give you the opportunity to opt out of receiving such direct marketing or market research contact. We will also follow local requirements, such as allowing you to give consent before receiving unsolicited contact, where applicable.

b. Who we share it with

PSCU Credit Union will not sell, rent, or lease your personal identifiable information to others, unless we have your permission or obliged to do so by law. We will only share the personal data you provide online with other PSCU Credit Union entities and/or business partners who are acting on our behalf for the uses described above. Such PSCU Credit Union entities and/or business partners are governed by our Privacy Policy with respect to the use of this data and are bound by the appropriate confidentiality agreements.

ii) Choice
PSCU Credit Union will not use or share the personal identifiable information provided to us online in ways unrelated to the ones described above without first letting you know and offering you a choice. As previously stated, we will also provide you the opportunity to let us know if you do not wish to receive unsolicited direct marketing materials from us and we will do everything we can to honor such requests.

iii) Accuracy & Access
PSCU Credit Union strives to keep your personal identifiable information accurate. We will also take reasonable steps to verify your identity before updating your personal data. To access your individual identifiable information, return to the web page where you originally entered it and follow the instructions on that web page.

Links to third party web sites on the site are provided solely as a convenience to you. Please note that when you use these links, you will exit PSCU site. PSCU Credit Union has not reviewed all of these third party sites and does not control and is not responsible for any of these sites, their content or their Privacy Policy. Thus, PSCU Credit Union does not endorse or make any representations about them, or any information, software or other products or materials found there, or any results that may be obtained from using them.

If you decide to access any of the third party sites linked to this site, you do this entirely at your own risk.

4. User Conduct on Site

Your use of the site is subject to all applicable laws and regulations, and you are solely responsible for the substance of your communications through the site. By posting information in or otherwise using any communications service or other interactive service that may be available to you on or through this site, you agree that you will not upload, share, post, or otherwise distribute or facilitate distribution of any content — including text, communications, software, images, sounds, data, or other information — that:

i) is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another’s privacy, tortious, contains explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), or otherwise violates our rules or policies;

ii) victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;

iii) infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party;

iv) constitutes unauthorized or unsolicited advertising, junk or bulk email (also known as “spamming”), chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;

v) contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; or

vi) impersonates any person or entity, including any of our employees or representatives.

5. Third Party Sites and Information

This site may link you to other sites on the Internet or otherwise include references to information, documents, software, materials and/or services provided by other parties. These sites may contain information or material that some people may find inappropriate or offensive. These other sites and parties are not under our control, and you acknowledge that we are not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites, nor are we responsible for errors or omissions in any references to other parties or their products and services. The inclusion of such a link or reference is provided merely as a convenience and does not imply endorsement of, or association with, the site or party by us, or any warranty of any kind, either expressed or implied.

6. Confidentiality

You agree not to disclose information you obtain from us. All information submitted to you is proprietary information of PSCU Credit Union Cooperative Society Limited. Such information is confidential and may not be disclosed. You agree not to reproduce, disseminate, sell, distribute or commercially exploit any such proprietary information in any manner.

7. Limitation of Liability

IN NO EVENT SHALL WE OR OUR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, PUNITIVE, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE OR OF ANY WEB SITE REFERENCED OR LINKED TO FROM THIS SITE.

FURTHER, WE SHALL NOT BE LIABLE IN ANY WAY FOR THIRD PARTY GOODS AND SERVICES OFFERED THROUGH THIS SITE OR FOR ASSISTANCE IN CONDUCTING COMMERCIAL TRANSACTIONS THROUGH THIS SITE, INCLUDING WITHOUT LIMITATION THE PROCESSING OF SERVICES.

8. Indemnification

You agree to defend, indemnify, and hold us and our Affiliates harmless from all liabilities, claims, and expenses, including attorney’s fees that arise from your use or misuse of this site. We reserve the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defences.

9. Participation in Promotions

From time to time, this site may include advertisements offered by third parties. You may enter into correspondence with or participate in promotions of the advertisers showing their products on this site. Any such correspondence or promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such correspondence or promotions, are solely between you and the advertiser. We assume no liability, obligation or responsibility for any part of any such correspondence or promotion.

10. International Use

Although this site may be accessible worldwide, we make no representation that materials on this site are appropriate or available for use in locations outside Trinidad and Tobago, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws. Any offer for any product, service, and/or information made in connection with this site is void where prohibited.

11. Termination of Use

You agree that we may, in our sole discretion, terminate or suspend your access to all or part of the site with or without notice and for any reason, including, without limitation, breach of these Terms of Use. Any suspected fraudulent, abusive or illegal activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities.
Upon termination or suspension, regardless of the reasons therefore, your right to use the services available on this site immediately ceases, and you acknowledge and agree that we may immediately bar any further access to this site. We shall not be liable to you or any third party for any claims or damages arising out of any termination or suspension or any other actions taken by us in connection with such termination or suspension.

12. Governing Law

This site (excluding any linked sites) is controlled by us from our offices within Trinidad and Tobago. It can be accessed from Trinidad and Tobago, as well as from other countries around the world. As each of these places has laws that may differ from those of Trinidad and Tobago, by accessing this site both of us agree that the statutes and laws of Trinidad and Tobago, without regard to the conflicts of laws and principles thereof, will apply to all matters relating to the use of this site and the purchase of products and services available through this site. Each of us agrees and hereby submits to the exclusive personal jurisdiction and venue of any court of competent jurisdiction within Trinidad and Tobago with respect to such matters.

13. Cause of Action

In any action to enforce these Terms of Use, the prevailing party will be entitled to costs and attorneys fees. Any cause of action brought by you against us or our Affiliates must be instituted within one year after the cause of action arises or be deemed forever waived and statute barred.

14. Notices

All notices to a party shall be in writing and shall be made either via email or conventional mail. Notices to us must be sent to the attention of Customer Service at https://pscutt.com/, if by email, or at PSCU Credit Union Cooperative Society Limited head office, # 24 Sackville Street Port of Spain Trinidad, West Indies. If by conventional mail notices to you will be sent to the address supplied by you. In addition, we may broadcast notices or messages through the site to inform you of changes to the site or other matters of importance, and such broadcasts shall constitute notice to you at the date and time of transmission/dispatch.

15. Severability of Terms

In the event that any provision of these Terms and Conditions is found invalid or unenforceable pursuant to any judicial decree or decision, such provision shall be deemed to apply only to the maximum extent permitted by law, and the remainder of these Terms and Conditions shall remain valid and enforceable according to its terms.

16. Entire Agreement

These terms and conditions constitute the entire agreement and understanding between us concerning the subject matter of this agreement and supersede all prior agreements and understandings of the parties with respect to that subject matter. These Terms of Use may not be altered, supplemented, or amended by the use of any other document(s). Any attempt to alter, supplement or amend this document or to enter an order for products or services which are subject to additional or altered terms and conditions shall be null and void, unless otherwise agreed to in a written agreement signed by you and PSCU credit Union. To the extent that anything in or associated with this site is in conflict or inconsistent with these Terms of Use, these Terms of Use shall take precedence.

20. Miscellaneous

You may not assign your rights and obligations under these Terms of Use to any party, and any purported attempt to do so will be null and void. We may freely assign our rights and obligations under these Terms of Use. You agree not to sell, resell, reproduce duplicate, copy or use for any commercial purposes any portion of this site, or use of or access to this site.

In addition to any excuse provided by applicable law, we shall be excused from liability for non-delivery or delay in delivery of products and services available through our site arising from any event beyond our reasonable control, whether or not foreseeable by either party, including but not limited to, labor disturbance, war, fire, accident, adverse weather, inability to secure transportation, governmental act or regulation, and other causes or events beyond our reasonable control, whether or not similar to those which are enumerated above.

Any failure by us to enforce or exercise any provision of these Terms of Use or related rights shall not constitute a waiver of that right or provision.

21. Contact Information

Except as explicitly noted on this site, the services available through this site are offered by PSCU Credit Union Cooperative Society Limited located at # 24 Sackville Street, Port of Spain , Trinidad, W.I. Our telephone number is (868) 623 -7570. If you notice any violation of these Terms of Use, please contact us.