TERMSEnabling Your Vision
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CITY OF BRIDGETOWN CO-OPERATIVE CREDIT UNION LIMITED (hereinafter interchangeably referred to either as “we” or ”us” or “ the Credit Union” ) is committed to protecting your privacy through the use of the best technology that can give a safe online experience. This Statement of Privacy applies to the Credit Union’s Web site and governs data collection and usage. By using the Credit Union’s website, you consent to the data practices described in this statement.
COLLECTION OF YOUR PERSONAL INFORMATION
The Credit Union collects information which is personal to you, such as your e-mail address, name, home or work address or telephone number.
In addition, we also collect anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.
There is also information about your computer hardware and software that is automatically collected by the Union. This information can include:
- browser type
- domain names
- access times and
- referring Web site addresses
- your IP address
USE OF YOUR PERSONAL INFORMATION
Your personal information is used by us for registering for electronic newsletters or other membership services, delivering the services you have requested. The Credit Union also uses your personally identifiable information to inform you of other products or services available from the Credit Union and its affiliates, in contacting you via surveys to conduct research about your opinion of current services or of potential new services that may be offered, the operation of the service, the maintaining of quality of the service, and to provide general statistics regarding use of the Credit Union’s Web site. Also, we collect the e-mail addresses of users who post messages to our message boards and chat areas.
NOTE WELL: The Credit Union’s Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary.
RESTRICTED USE OF INFORMATION
The Credit Union does not sell, rent or lease its customer lists to third parties. The Credit Union may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, we may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to the Credit Union, and they are required to maintain the confidentiality of your The Credit Union does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.
Please keep in mind that if you directly disclose personal identity information or personally sensitive data through the Credit Union’s public message boards, this information may be collected and used by others.
USE OF COOKIES
The Credit Union also uses “cookies” to collect information. A cookie is a small data file that most major Web sites write to your hard drive for record keeping purposes when you visit them. Cookies allow the credit Union to measure activity on the Site and to improve your user experience, for example by remembering your passwords and viewing preferences, thus allowing you to visit various member-only parts of the Site without re-registering.
Cookies are used by the Credit Union to measure activity on the Site and make improvements and updates based on which areas are popular and which are not. The Credit Union does not use cookies to retrieve information from your computer that was not originally sent in a cookie. Except for personal information voluntarily provided by you (i.e., during membership registration or a contest), the Credit Union does not use information transferred through cookies for any promotional or marketing purposes, nor is that information shared with any third parties whatsoever.
You may occasionally get cookies from our advertisers, which is standard in the Internet industry. The credit Union does not control these cookies, and these cookies are not subject to our privacy policies.
DETAILED REVIEW OF THIRD PARTY PRIVACY STATEMENTS
The Credit Union encourages you to review the privacy statements of Web sites you choose to link to from the Credit Union’s website so that you can understand how those Web sites collect, use and share your information. The Credit Union is not responsible for the privacy statements or other content on Web sites outside of the Credit Union and its family of Web sites.
If you object to the use of personal information provided by you for any reason, you may stop that use by modifying your registration information online.
DISCLAIMERS
No transmission of data over the Internet is guaranteed to be completely secure. It may be possible for third parties not under the control of the Credit Union to intercept or access transmissions or private communications unlawfully. While we strive to protect your personal information, the Credit Union cannot ensure or warrant the security of any information you transmit to us. Any such transmission is done at your own risk.
Under no circumstances, including but not limited to negligence, shall the Credit Union be liable for any special, incidental or consequential damages that result from the use of information or materials on our sites, even if the Credit Union or an authorized representative of the Credit Union, has been advised of the possibility of such damages.
This section also should be read in conjunction with the full Terms of Service.
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WEB SITE
The use of this web site constitutes agreement with the following terms and conditions:
CITY OF BRIDGETOWN CO-OPERATIVE CREDIT UNION LIMITED (hereinafter called “C.O.B”) maintains this web site (the Site) as a courtesy to those who may choose to access the Site (Users). The information presented herein is for information purposes only. The Credit Union grants permission to Users to visit the Site and to download and copy the information, documents and materials (collectively, Materials) from the Site for the Users personal, non-commercial use, without any right to resell or redistribute them or to compile or create derivative works therefrom, subject to the terms and conditions outlined below, and also subject to more specific Unless expressly stated otherwise, the findings, interpretations and conclusions expressed in the Materials on this Site are those of the various Eastern Credit Union staff members, consultants and advisers to C.O.B who prepared the work and do not necessarily represent the views of C.O.B.
TERMS AND CONDITIONS OF USE
The following terms and conditions (the “Terms and Conditions”) govern your use of this web site, and any content made available from or through this web site, including any subdomains thereof (the “Web Site”). The Web Site is made available by CITY OF BRIDGETOWN CO-OPERATIVE CREDIT UNION LIMITED. (“C.O.B.” or “we” or “us”). We may change the Terms and Conditions from time to time, at any time without notice to you, by posting such changes on the Web Site. BY USING THE WEB SITE, YOU ACCEPT AND AGREE TO THESE TERMS AND CONDITIONS AS APPLIED TO YOUR USE OF THE WEB SITE. If you do not agree to these Terms and Conditions, you may not access or otherwise use the Web Site.
1. PROPRIETARY RIGHTS.
As between you and C.O.B, C.O.B. owns, solely and exclusively, all rights, title and interest in and to the Web Site, all the content (including, for example, audio, photographs, illustrations, graphics, other visuals, video, copy, text, software, titles, etc.), code, data and materials thereon, the look and feel, design and organization of the Web Site, and the compilation of the content, code, data and materials on the Web Site, including but not limited to any copyrights, trademark rights, patent rights, database rights, moral rights, sui generis rights and other intellectual property and proprietary rights therein. Your use of the Web Site does not grant to you ownership of any content, code, data or materials you may access on or through the Web Site.
2. LIMITED LICENSE.
You may access and view the content on the Web Site on your computer or other device and, unless otherwise indicated in these Terms and Conditions or on the Web Site, make single copies or prints of the content on the Web Site for your personal, internal use only. Use of the Web Site and the services offered on or through the Web Site, are only for your personal, non-commercial use.
3. PROHIBITED USE.
Any commercial or promotional distribution, publishing or exploitation of the Web Site, or any content, code, data or materials on the Web Site, is strictly prohibited unless you have received the express prior written permission from authorized personnel of C.O.B or the otherwise applicable rights holder. Other than as expressly allowed herein, you may not download, post, display, publish, copy, reproduce, distribute, transmit, modify, perform, broadcast, transfer, create derivative works from, sell or otherwise exploit any content, code, data or materials on or available through the Web Site. You further agree that you may not alter, edit, delete, remove, otherwise change the meaning or appearance of, or repurpose, any of the content, code, data, or other materials on or available through the Web Site, including, without limitation, the alteration or removal of any trademarks, trade names, logos, service marks, or any other proprietary content or proprietary rights notices. You acknowledge that you do not acquire any ownership rights by downloading any copyrighted material from or through the Web Site. If you make other use of the Web Site, or the content, code, data or materials thereon or available through the Web Site, except as otherwise provided above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use.
4. TRADEMARKS.
The trademarks, logos, service marks and trade names (collectively the “Trademarks”) displayed on the Web Site or on content available through the Web Site are registered and unregistered Trademarks of C.O.B and others and may not be used in connection with products and/or services that are not related to, associated with, or sponsored by their rights holders that are likely to cause customer confusion, or in any manner that disparages or discredits their rights holders. All Trademarks not owned by C.O.B that appear on the Web Site or on or through the Web Site’s services, if any, are the property of their respective owners. Nothing contained on the Web Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Web Site without the written permission of C.O.B or the third party that may own the applicable Trademark. Your misuse of the Trademarks displayed on the Web Site or on or through any of the Web Site’s services is strictly prohibited.
5. USER INFORMATION.
In the course of your use of the Web Site and/or the services made available on or through the Web Site, you may be asked to provide certain personalized information to us (such information referred to hereinafter as “User Information”). C.O.B information collection and use policies with respect to the privacy of such User Information are set forth in the Web Site’s privacy policy which is incorporated herein by reference for all purposes. You acknowledge and agree that you are solely responsible for the accuracy and content of User Information.
6. SUBMITTED MATERIALS.
Unless specifically requested, we do not solicit nor do we wish to receive any confidential, secret or proprietary information or other material from you through the Web Site, by e-mail or in any other way. Any information, creative works, demos, ideas, suggestions, concepts, methods, systems, designs, plans, techniques or other materials submitted or sent to us (including, for example and without limitation, that which you submit or post to our chat rooms, message boards, and/or our blogs, or send to us via e-mail) (“Submitted Materials”) will be deemed not to be confidential or secret, and may be used by us in any manner consistent with the Web Site’s Privacy Policy By submitting or sending Submitted Materials to us, you: (i) represent and warrant that the Submitted Materials are original to you, that no other party has any rights thereto, and that any “moral rights” in Submitted Materials have been waived, and (ii) you grant us and our affiliates a royalty free, unrestricted, worldwide, perpetual, irrevocable, non-exclusive and fully transferable, assignable and sub licensable right and license to use, copy, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, display and incorporate in other works any Submitted Materials (in whole or part) in any form, media, or technology now known or later developed, including for promotional and/or commercial purposes. We cannot be responsible for maintaining any Submitted Material that you provide to us, and we may delete or destroy any such Submitted Material at any time.
7. PROHIBITED USER CONDUCT.
You warrant and agree that, while using the Web Site and the various services and features offered on or through the Web Site, you shall not:
(a) impersonate any person or entity or misrepresent your affiliation with any other person or entity;
(b) insert your own or a third party’s advertising, branding or other promotional content into any of the Web Site’s content, materials or services (for example, without limitation, in an RSS feed or a podcast received from C.O.B. or otherwise through the Web Site), or use, redistribute, republish or exploit such content or service for any further commercial or promotional purposes; or
(c) attempt to gain unauthorized access to other computer systems through the Web Site. You shall not:
(i) engage in spidering, “screen scraping,” “database scraping,” harvesting of e-mail addresses, wireless addresses or other contact or personal information, or any other automatic means of obtaining lists of users or other information from or through the Web Site or the services offered on or through the Web Site, including without limitation any information residing on any server or database connected to the Web Site or the services offered on or through the Web Site;
(ii) obtain or attempt to obtain unauthorized access to computer systems, materials or information through any means;
(iii) use the Web Site or the services made available on or through the Web Site in any manner with the intent to interrupt, damage, disable, overburden, or impair the Web Site or such services, including, without limitation, sending mass unsolicited messages or “flooding” servers with requests;
(iv) use the Web Site or the Web Site’s services or features in violation of C.O.B’S or any third party’s intellectual property or other proprietary or legal rights; or
(v) use the Web Site or the Web Site’s services in violation of any applicable law.
You further agree that you shall not attempt (or encourage or support anyone else’s attempt) to circumvent, reverse engineer, decrypt, or otherwise alter or interfere with the Web Site or the Web Site’s services, or any content thereof, or make any unauthorized use thereof. You agree that you shall not use the Web Site in any manner that could damage, disable, overburden, or impair the Web Site or interfere with any other party’s use and enjoyment of the Web Site or any of its services. You shall not obtain or attempt to obtain any materials or information through any means not intentionally made publicly available or provided for through the Web Site.
8. PUBLIC FORUMS.
C.O.B may, from time to time, make messaging services, chat services, bulletin boards, message boards and other forums and other such services available on or through the Web Site. In addition to any other rules or regulations that we may post in connection with a particular service, you agree that you shall not upload, post, transmit, distribute or otherwise publish through the Web Site or any service or feature made available on or through the Web Site, any materials which:
(i) restrict or inhibit any other user from using and enjoying the Web Site or the Web Site’s services,
(ii) are fraudulent, unlawful, threatening, abusive, harassing, libelous, defamatory, obscene, vulgar, offensive, pornographic, profane, sexually explicit or indecent,
(iii) constitute or encourage conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law, (iv) violate, plagiarize or infringe the rights of third parties including, without limitation, copyright, trademark, trade secret, confidentiality, contract, patent, rights of privacy or publicity or any other proprietary right, (v) contain a virus, spyware, or other harmful component, (vi) contain embedded links, advertising, chain letters or pyramid schemes of any kind, or (vii) constitute or contain false or misleading indications of origin, endorsement or statements of fact. You further agree not to impersonate any other person or entity, whether actual or fictitious, including anyone from C.O.B. You also may not offer to buy or sell any product or service on or through your comments submitted to our forums. You alone are responsible for the content and consequences of any of your activities.
9. RIGHT TO MONITOR AND EDITORIAL CONTROL.
C.O.B reserves the right, but does not have an obligation, to monitor and/or review all materials posted to the Web Site or through the Web Site’s services or features by users, and C.O.B is not responsible for any such materials posted by users. However, C.O.B reserves the right at all times to disclose any information as necessary to satisfy any law, regulation or government request, or to edit, refuse to post or to remove any information or materials, in whole or in part, that in C.O.B’s sole discretion are objectionable or in violation of this Terms of Use, C.O.B’s policies or applicable law. We may also impose limits on certain features of the forums or restrict your access to part or all of the forums without notice or penalty if we believe you are in breach of the guidelines set forth in this paragraph, our terms and conditions or applicable law, or for any other reason without notice or liability. revoke your right to link to the Web Site from any other web site at any time upon written notice to you.
10. INDEMNIFICATION.
You agree to defend, indemnify and hold C.O.B’s and its affiliates’ directors, officers, employees and agents harmless from any and all claims, liabilities, costs and expenses, including attorneys’ fees, arising in any way from your use of the Web Site, your placement or transmission of any message, content, information, software or other materials through the Web Site, or your breach or violation of the law or of these Terms and Conditions. C.O.B. reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with C.O.B’s defense of such claim.
11. THIRD PARTY WEB SITES.
You may be able to link from the Web Site to third party web sites and third party web sites may link to the Web Site (“Linked Sites”). You acknowledge and agree that we have no responsibility for the information, content, products, services, advertising, code or other materials which may or may not be provided by or through Linked Sites, even if they are owned or run by affiliates of ours. Links to Linked Sites do not constitute an endorsement or sponsorship by us of such web sites or the information, content, products, services, advertising, code or other materials presented on or through such web sites. The inclusion of any link to such sites on our Site does not imply C.O.B’s endorsement, sponsorship, or recommendation of that site. C.O.B. disclaims any liability for links (1) from another web site to this Web Site and (2) to another web site from this Web Site. C.O.B cannot guarantee the standards of any web site to which links are provided on this Web Site nor shall C.O.B. be held responsible for the contents of such sites, or any subsequent links. C.O.B does not represent or warrant that the contents of any third party web site is accurate, compliant with state or federal law, or compliant with copyright or other intellectual property laws. Also, C.O.B is not responsible for or any form of transmission received from any linked web site. Any reliance on the contents of a third party web site is done at your own risk and you assume all responsibilities and consequences resulting from such reliance.
12. DISCLAIMER OF WARRANTIES.
THE WEB SITE, INCLUDING, WITHOUT LIMITATION, ALL SERVICES, CONTENT, FUNCTIONS AND MATERIALS PROVIDED THROUGH THE WEB SITE, ARE PROVIDED “AS IS,” “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES, UPTIME OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, PLAYABILITY, DISPLAYABILITY, ACCURACY, PRECISION, CORRECTNESS, THOROUGHNESS, COMPLETENESS, USEFULNESS, OR CONTENT OF INFORMATION, AND ANY WARRANTIES OF TITLE, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND WE HEREBY DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT THAT THE WEB SITE OR THE SERVICES, CONTENT, FUNCTIONS OR MATERIALS PROVIDED THROUGH THE WEB SITE WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE WEB SITE OR THE PROVIDED SERVICES WILL MEET USERS’ REQUIREMENTS. NO ADVICE, RESULTS OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE WEB SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. C.O.B. ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR EQUIPMENT ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE WEB SITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES,VIDEO CONTENT, OR AUDIO CONTENT FROM THE WEB SITE. IF YOU ARE DISSATISFIED WITH THE WEB SITE, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE WEB SITE. WE TRY TO ENSURE THAT THE INFORMATION POSTED ON THE WEB SITE IS CORRECT AND UP-TO-DATE. WE RESERVE THE RIGHT TO CHANGE OR MAKE CORRECTIONS TO ANY OF THE INFORMATION PROVIDED ON THE WEB SITE AT ANY TIME AND WITHOUT ANY PRIOR WARNING. TIME INC. NEITHER ENDORSES NOR IS RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT ON THE WEB SITE, NOR FOR ANY OFFENSIVE, DEFAMATORY, OBSCENE, INDECENT, UNLAWFUL OR INFRINGING POSTING MADE THEREON BY ANYONE OTHER THAN AUTHORIZED C.O.B. EMPLOYEE SPOKESPERSONS WHILE ACTING IN THEIR OFFICIAL CAPACITIES (INCLUDING, WITHOUT LIMITATION, OTHER USERS OF THE WEB SITE). IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE WEB SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT, INCLUDING BUT NOT LIMITED TO FINANCIAL, HEALTH, OR LIFESTYLE INFORMATION, OPINION, ADVICE OR OTHER CONTENT. PRIOR TO THE EXECUTION OF A PURCHASE OR SALE OF ANY SECURITY OR INVESTMENT, YOU ARE ADVISED TO CONSULT WITH YOUR BROKER OR OTHER FINANCIAL ADVISOR TO VERIFY PRICING AND OTHER INFORMATION. WE SHALL HAVE NO LIABILITY FOR INVESTMENT DECISIONS BASED UPON, OR THE RESULTS OBTAINED FROM, THE CONTENT PROVIDED HEREIN. NOTHING CONTAINED IN THE WEB SITE SHALL BE CONSTRUED AS INVESTMENT ADVICE. C.O.B. IS NOT A REGISTERED BROKER-DEALER OR INVESTMENT ADVISOR AND DOES NOT GIVE INVESTMENT ADVICE OR RECOMMEND ONE PRODUCT OVER ANOTHER. WITHOUT LIMITATION OF THE ABOVE IN THIS SECTION, C.O.B. AND ITS AFFILIATES, SUPPLIERS AND LICENSORS MAKE NO WARRANTIES OR REPRESENTATIONS REGARDING ANY PRODUCTS OR SERVICES ORDERED OR PROVIDED VIA THE WEB SITE, AND HEREBY DISCLAIM, AND YOU HEREBY WAIVE, ANY AND ALL WARRANTIES AND REPRESENTATIONS MADE IN PRODUCT OR SERVICES LITERATURE, FREQUENTLY ASKED QUESTIONS DOCUMENTS AND OTHERWISE ON THE WEB SITE OR IN CORRESPONDENCE WITH C.O.B. OR ITS AGENTS. ANY PRODUCTS AND SERVICES ORDERED OR PROVIDED VIA THE WEB SITE ARE PROVIDED BY C.O.B “AS IS,” EXCEPT TO THE EXTENT, IF AT ALL, OTHERWISE SET FORTH IN A LICENSE OR SALE AGREEMENT SEPARATELY ENTERED INTO IN WRITING BETWEEN YOU AND C.O.B OR ITS LICENSOR OR SUPPLIER.
13. LIMITATION OF LIABILITY.
IN NO EVENT, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL C.O.B, OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE WEB SITE OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO, YOUR PROVISION OF INFORMATION VIA THE WEB SITE, LOST BUSINESS OR LOST SALES, EVEN IF SUCH PROTECTED ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO CERTAIN USERS. IN NO EVENT SHALL THE PROTECTED ENTITIES BE LIABLE FOR OR IN CONNECTION WITH ANY CONTENT POSTED, TRANSMITTED, EXCHANGED OR RECEIVED BY OR ON BEHALF OF ANY USER OR OTHER PERSON ON OR THROUGH THE WEB SITE. IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE PROTECTED ENTITIES TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE) ARISING FROM THE TERMS AND CONDITIONS OR YOUR USE OF THE WEB SITE EXCEED, IN THE AGGREGATE, THE AMOUNT, IF ANY, PAID BY YOU TO C.O.B. FOR YOUR USE OF THE WEB SITE OR PURCHASE OF PRODUCTS VIA THE WEB SITE.
14. APPLICABLE LAWS.
We control and operate the Web Site from our offices in the island of Barbados in the West Indies. We do not represent that materials on the Web Site are appropriate or available for use in other locations. Persons who choose to access the Web Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable. All parties to these terms and conditions waive their respective rights to a trial by jury.
15. TERMINATION.
C.O.B may terminate, change, suspend or discontinue any aspect of the Web Site or the Web Site’s services at any time. C.O.B may restrict, suspend or terminate your access to the Web Site and/or its services if we believe you are in breach of our terms and conditions or applicable law, or for any other reason without notice or liability. C.O.B. maintains a policy that provides for the termination in appropriate circumstances of the Web Site use privileges of users who are repeat infringers of intellectual property rights.
16. CHANGES TO TERMS OF USE.
C.O.B reserves the right, at its sole discretion, to change, modify, add or remove any portion of the Terms and Conditions, in whole or in part, at any time. Changes in the Terms and Conditions will be effective when posted. Your continued use of the Web Site and/or the services made available on or through the Web Site after any changes to the Terms and Conditions are posted will be considered acceptance of those changes.
17. MISCELLANEOUS.
The Terms and Conditions, and the relationship between you and us, shall be governed by the laws of Barbados, without regard to conflict of law provisions. You agree that any cause of action that may arise under the Terms and Conditions shall be commenced and be heard in the appropriate court in the island of Barbados. You agree to submit to the personal and exclusive jurisdiction of the courts located within Barbados. Our failure to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. If any provision of the Terms and Conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms and Conditions remain in full force and effect.
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COB VISION CARD REGULATIONS
1. TERMS OF THIS AGREEMENT
In this Agreement “the Account” refers to an account maintained by the Account Holder with the City of Bridgetown Co-operative Credit Union Limited (“hereinafter referred to as the Credit Union”).
“The Account Holder” refers to the person in whose name the Account is established or, in the case of a Joint Account, any such person and the liability of such persons shall be joint and several.
“The Agreement” means the agreement between the Credit Union and the Account Holder the terms of which are included therein and which may be varied by the Credit Union from time to time.
“Card” means a City of Bridgetown Co-operative Credit Union debit card issued to a Card Holder.
“Card Holder” means an Account Holder for whose use a Card is issued by the Credit Union.
“Card Transaction” means any cash obtained by the use of the Card, and any payment made or transaction done through the use of this Card, the Card number or authorized in any manner by the Cardholder (whether or not by signing a voucher).
“PIN” means the Personal Identification Number issued to a Cardholder.
“Validity Period” refers to the period assigned to a specific Card for validity by the Credit Union.
2. USE OF COB VISION CARD
The Card must be signed by the Card Holder in the space provided for signature immediately on receipt of the same and may be used:
i. By the Cardholder SUBJECT to the terms of this Agreement in place at the time of use;
Within the credit balance allotted and any undrawn facility on the
ii. Account, the balance allotted being that on the Account at the end of the previous day;
To obtain the facilities and benefits from time to time made available to
iii. the Credit Union in respect of the validity of the Card during the validity period assigned by the Credit Union;
SUBJECT to the absolute discretion of the Credit Union to, without
iv. prior notice, withdraw the right of the Cardholder to use the Card, or to refuse any request for authorization of any particular Card Transaction and to publish any such withdrawal or refusal to the Card Holder and in deciding whether to authorize any particular Card Transaction, the Credit Union may take into account in calculating the funds to the Card Holder
v. any outstanding card transactions and any funds which the Credit Union may in its discretion deem to have been credited or debited to the Account within the available balance of the account.
vii. SUBJECT to the maximum Credit Transaction limits set by the Credit Union.
3. LIABILITY OF THE CARD HOLDER
1) The Card Holder shall be liable to the Credit Union for all amounts arising from indebtedness or losses incurred or suffered by the Credit Union in connection with the use of the Card by the Card Holder or additional Card Holders whether or not such use was authorized by the Card Holder or by use of the Card otherwise in breach of the terms of this Agreement. The Credit Union is also under no obligation to inquire about or to prevent any unauthorized use of the Card in breach of this Agreement and FURTHER:-
i. Where there is more than one Card Holder in respect of the COB
Vision Card, the liability of the Card Holders shall be joint and several.
ii. The Card Holder agrees to pay all fees and expenses incurred by the Credit Union in recovering any indebtedness owed and arising from the use of the Card.
4. CESSATION OF USE OF THE CARD
1. The Credit Union may at any time and without notice to the Card Holder cancel or suspend the right to use the Card entirely or in respect of specific facilities attached to the Card or refuse to reissue, renew or replace any Card without in any case affecting the Account Holder’s obligations under this Agreement, which shall continue in force.
2. The Card will at all times remain the property of the Credit Union and on the Credit Union’s request all cards issued for use under this Agreement must be immediately returned to the Credit Union or any authorized person acting on behalf of the Credit Union.
5. TERMINATION OF THIS AGREEMENT
i. The Card Holder may terminate this Agreement by written notice to the Credit Union PROVIDED that such termination shall only be effective on the return to the Credit Union of all Cards issued and the payment of all liabilities incurred by the Card Holder under this Agreement.
The Credit Union is also empowered by means of this Agreement to carry out the following functions should it deem the same to be necessary: –
i. Refuse to authorize a transaction carried out by the Card Holder with the COB Vision Card;
ii. Cancel or suspend the right to use the Card entirely or in respect of specific functions;
iii. Refuse to replace any Card without affecting the Card Holder’s obligation under this Agreement, which shall remain in force;
iv. With or without prior notice terminate this Agreement at any time without being liable to the Card Holder.
6. CARD AND PERSONAL IDENTIFICATION NUMBER
i. The Card Holder shall exercise all reasonable measures to ensure the safety and protection of the Card and will prevent the PIN from coming to the knowledge of any other person other than the Card Holder. Any record of the PIN made by the Card Holder should be retained separately
from the Card.
ii. The Card Holder shall be liable to the Credit Union for any debts and expenses arising from the use of the Card. The Card Holder shall
not disclose the Card number to any unauthorized third party and then only in connection with attachment usage, Card Transactions or the reporting of
iii. the loss or theft of a Card.
In the event that a Card is lost, stolen or misused or the PIN becomes known to any other person, the Card Holder must immediately notify the issuing or nearest branch of the City of Bridgetown Co-operative Credit Union Limited. In the event that the notification is given orally, it shall not take effect unless the Credit Union is again informed in writing of the loss or theft of the Card within seven (7) days. Until the Credit Union receives notification, the Card Holder will be liable in respect of any use of the Card.
v. FURTHER, in circumstances where the Card has been utilized in conjunction with the PIN or by a person who acquired possession of the Card with the Card Holder’s consent, the Credit Union shall not bear liability for any losses sustained by the Card Holder. Following the official notification of the Credit Union by the Card Holder, the Card
vi. Holder’s liability in respect of any further use of the Card shall The Card Holder, on providing the Credit Union with information regarding the loss, theft or misuse of the Card shall communicate all details relating to the disclosure of the PIN and will take all steps deemed necessary by the Credit Union to assist in the recovery of the Card.
In the event of any such loss, theft or disclosure being suspected, the Credit Union may provide the police with any information considered to be relevant. FURTHER in the event that a Card previously reported as being lost, stolen or misused is recovered the Card Holder may not reuse the Card but shall cut it in half and return it to the Credit Union.
vii. If the Credit Union issues a Card to replace a lost, stolen or misused card, then a fee of $20.00 will apply. The Credit union reserves the right to adjust this fee at its discretion. The Credit Union does not undertake that the facilities available to the Account Holder as a result of arrangements between the Credit Union and third parties not affiliated with the Credit Union will continue indefinitely and will not be held liable for the cessation of any such arrangements.
7. REFUNDS AND CLAIMS
i. The Account Holder will only be credited with a refund in respect of a Card Transaction if the Credit Union is in receipt of a refund voucher or other refund verification deemed acceptable to the Credit Union. No claim or suit by the Account Holder against a third party may be the subject of a defense or counter claim against the Credit Union and The rights of an Account Holder against the Credit Union are not assignable and may not otherwise be disposed
ii. The Credit Union shall not be held liable in the event that a third party does not honor the Card presented by the Card Holder.
8. VARIATION OF THIS AGREEMENT
i. The Credit Union may impose a charge for the Card provided for the use of the Card Holder or any services provided under or in connection with this Agreement from time to time. The Credit Union does not undertake that the facilities available to the Account Holder as a result of arrangements between the Credit Union and third parties not affiliated with the Credit Union will continue indefinitely and will not be held liable for the cessation of any such arrangements.
ii. Notwithstanding the above, notification of any such variation shall be given to the Account Holder by the Credit Union either in writing, or by publication thereof, by such means as the Credit Union may select, and the said variation shall be binding on the Account Holder.
iii. The Credit Union shall not be liable if it is unable to perform its obligations under this Agreement, nor shall the Card Holder’s liability to make payment under condition 3 be discharged if the Credit Union is unable to debit the Account due (directly or indirectly) to the closure of the Account, or the failure of any machine, data processing system or transmission link or due to industrial dispute or anything not within the control of the Credit Union, its branches or its servants and/or agents.
iv. The Card Holder shall immediately notify the branch of the Credit Union where the Account is held, of any change in name or address.
v. Any other facilities or benefits made available to the Account Holder and not forming part of the conditions of this Agreement may be withdrawn at any time without notice.
9. DISCLOSURE
The Cardholder hereby authorizes and consents to the Credit Union investigating, verifying and disclosing information to any recognized financial institution or credit bureau which may have been supplied to the Credit Union or which the Credit Union may possess in connection with this Agreement.
I confirm that I have received and read the Vision Regulations governing the use of the COB VISION Card, and I agree to be bound by the terms and conditions set out therein and to be personally liable and to indemnify the Credit Union as a principal debtor for any claims, losses or costs due to the Credit Union from the use of this card.
Table of Contents
COB Merchant Services Agreement
1. TERMS OF THIS AGREEMENT
In this Agreement “the Account” refers to an account maintained by the Account Holder with the City of Bridgetown Co-operative Credit Union Limited (“hereinafter referred to as the Credit Union”).
“The Account Holder” refers to the person in whose name the Account is established or, in the case of a Joint Account, any such person and the liability of such persons shall be joint and several.
“The Agreement” means the agreement between the Credit Union and the Account Holder the terms of which are included therein and which may be varied by the Credit Union from time to time.
“Card” means a City of Bridgetown Co-operative Credit Union debit card issued to a Card Holder.
“Card Holder” means an Account Holder for whose use a Card is issued by the Credit Union.
“Card Transaction” means any cash obtained by the use of the Card, and any payment made or transaction done through the use of this Card, the Card number or authorized in any manner by the Cardholder (whether or not by signing a voucher).
“PIN” means the Personal Identification Number issued to a Cardholder.
“Validity Period” refers to the period assigned to a specific Card for validity by the Credit Union.
2. USE OF COB VISION CARD
The Card must be signed by the Card Holder in the space provided for signature immediately on receipt of the same and may be used:
i. By the Cardholder SUBJECT to the terms of this Agreement in place at the time of use;
Within the credit balance allotted and any undrawn facility on the
ii. Account, the balance allotted being that on the Account at the end of the previous day;
To obtain the facilities and benefits from time to time made available to
iii. the Credit Union in respect of the validity of the Card during the validity period assigned by the Credit Union;
SUBJECT to the absolute discretion of the Credit Union to, without
iv. prior notice, withdraw the right of the Cardholder to use the Card, or to refuse any request for authorization of any particular Card Transaction and to publish any such withdrawal or refusal to the Card Holder and in deciding whether to authorize any particular Card Transaction, the Credit Union may take into account in calculating the funds to the Card Holder
v. any outstanding card transactions and any funds which the Credit Union may in its discretion deem to have been credited or debited to the Account within the available balance of the account.
vii. SUBJECT to the maximum Credit Transaction limits set by the Credit Union.
3. LIABILITY OF THE CARD HOLDER
1) The Card Holder shall be liable to the Credit Union for all amounts arising from indebtedness or losses incurred or suffered by the Credit Union in connection with the use of the Card by the Card Holder or additional Card Holders whether or not such use was authorized by the Card Holder or by use of the Card otherwise in breach of the terms of this Agreement. The Credit Union is also under no obligation to inquire about or to prevent any unauthorized use of the Card in breach of this Agreement and FURTHER:-
i. Where there is more than one Card Holder in respect of the COB
Vision Card, the liability of the Card Holders shall be joint and several.
ii. The Card Holder agrees to pay all fees and expenses incurred by the Credit Union in recovering any indebtedness owed and arising from the use of the Card.
4. CESSATION OF USE OF THE CARD
1. The Credit Union may at any time and without notice to the Card Holder cancel or suspend the right to use the Card entirely or in respect of specific facilities attached to the Card or refuse to reissue, renew or replace any Card without in any case affecting the Account Holder’s obligations under this Agreement, which shall continue in force.
2. The Card will at all times remain the property of the Credit Union and on the Credit Union’s request all cards issued for use under this Agreement must be immediately returned to the Credit Union or any authorized person acting on behalf of the Credit Union.
5. TERMINATION OF THIS AGREEMENT
i. The Card Holder may terminate this Agreement by written notice to the Credit Union PROVIDED that such termination shall only be effective on the return to the Credit Union of all Cards issued and the payment of all liabilities incurred by the Card Holder under this Agreement.
The Credit Union is also empowered by means of this Agreement to carry out the following functions should it deem the same to be necessary: –
i. Refuse to authorize a transaction carried out by the Card Holder with the COB Vision Card;
ii. Cancel or suspend the right to use the Card entirely or in respect of specific functions;
iii. Refuse to replace any Card without affecting the Card Holder’s obligation under this Agreement, which shall remain in force;
iv. With or without prior notice terminate this Agreement at any time without being liable to the Card Holder.
6. CARD AND PERSONAL IDENTIFICATION NUMBER
i. The Card Holder shall exercise all reasonable measures to ensure the safety and protection of the Card and will prevent the PIN from coming to the knowledge of any other person other than the Card Holder. Any record of the PIN made by the Card Holder should be retained separately
from the Card.
ii. The Card Holder shall be liable to the Credit Union for any debts and expenses arising from the use of the Card. The Card Holder shall
not disclose the Card number to any unauthorized third party and then only in connection with attachment usage, Card Transactions or the reporting of
iii. the loss or theft of a Card.
In the event that a Card is lost, stolen or misused or the PIN becomes known to any other person, the Card Holder must immediately notify the issuing or nearest branch of the City of Bridgetown Co-operative Credit Union Limited. In the event that the notification is given orally, it shall not take effect unless the Credit Union is again informed in writing of the loss or theft of the Card within seven (7) days. Until the Credit Union receives notification, the Card Holder will be liable in respect of any use of the Card.
v. FURTHER, in circumstances where the Card has been utilized in conjunction with the PIN or by a person who acquired possession of the Card with the Card Holder’s consent, the Credit Union shall not bear liability for any losses sustained by the Card Holder. Following the official notification of the Credit Union by the Card Holder, the Card
vi. Holder’s liability in respect of any further use of the Card shall The Card Holder, on providing the Credit Union with information regarding the loss, theft or misuse of the Card shall communicate all details relating to the disclosure of the PIN and will take all steps deemed necessary by the Credit Union to assist in the recovery of the Card.
In the event of any such loss, theft or disclosure being suspected, the Credit Union may provide the police with any information considered to be relevant. FURTHER in the event that a Card previously reported as being lost, stolen or misused is recovered the Card Holder may not reuse the Card but shall cut it in half and return it to the Credit Union.
vii. If the Credit Union issues a Card to replace a lost, stolen or misused card, then a fee of $20.00 will apply. The Credit union reserves the right to adjust this fee at its discretion. The Credit Union does not undertake that the facilities available to the Account Holder as a result of arrangements between the Credit Union and third parties not affiliated with the Credit Union will continue indefinitely and will not be held liable for the cessation of any such arrangements.
7. REFUNDS AND CLAIMS
i. The Account Holder will only be credited with a refund in respect of a Card Transaction if the Credit Union is in receipt of a refund voucher or other refund verification deemed acceptable to the Credit Union. No claim or suit by the Account Holder against a third party may be the subject of a defense or counter claim against the Credit Union and The rights of an Account Holder against the Credit Union are not assignable and may not otherwise be disposed
ii. The Credit Union shall not be held liable in the event that a third party does not honor the Card presented by the Card Holder.
8. VARIATION OF THIS AGREEMENT
i. The Credit Union may impose a charge for the Card provided for the use of the Card Holder or any services provided under or in connection with this Agreement from time to time. The Credit Union does not undertake that the facilities available to the Account Holder as a result of arrangements between the Credit Union and third parties not affiliated with the Credit Union will continue indefinitely and will not be held liable for the cessation of any such arrangements.
ii. Notwithstanding the above, notification of any such variation shall be given to the Account Holder by the Credit Union either in writing, or by publication thereof, by such means as the Credit Union may select, and the said variation shall be binding on the Account Holder.
iii. The Credit Union shall not be liable if it is unable to perform its obligations under this Agreement, nor shall the Card Holder’s liability to make payment under condition 3 be discharged if the Credit Union is unable to debit the Account due (directly or indirectly) to the closure of the Account, or the failure of any machine, data processing system or transmission link or due to industrial dispute or anything not within the control of the Credit Union, its branches or its servants and/or agents.
iv. The Card Holder shall immediately notify the branch of the Credit Union where the Account is held, of any change in name or address.
v. Any other facilities or benefits made available to the Account Holder and not forming part of the conditions of this Agreement may be withdrawn at any time without notice.
9. DISCLOSURE
The Cardholder hereby authorizes and consents to the Credit Union investigating, verifying and disclosing information to any recognized financial institution or credit bureau which may have been supplied to the Credit Union or which the Credit Union may possess in connection with this Agreement.
I confirm that I have received and read the Vision Regulations governing the use of the COB VISION Card, and I agree to be bound by the terms and conditions set out therein and to be personally liable and to indemnify the Credit Union as a principal debtor for any claims, losses or costs due to the Credit Union from the use of this card.