Terms of Use & Privacy Statement

Thank you for visiting GSCU’s website. We maintain this site to provide you with general financial and educational information, as well as information about the products and services offered by GSCU.

GSCU requires that all visitors to this site abide by the following Terms of Use. Please read them carefully. By accessing and/or using this site, you agree to all of the following Terms of Use. You also agree to any additional terms and conditions of use applicable to specific areas of the site that are posted on the site at any time. These Terms of Use, including the Privacy Statement, OnLine Banking information and any additional terms and conditions of use applicable to specific areas of the site, as they each may be modified from time to time, are collectively referred to as the "Terms of Use."

Terms of Use

Intellectual Property Rights
Unless otherwise indicated in this site, the pages, screens, text, logos, images, graphics, sound, information and materials available through this site ("the information and materials available through this site") are the property of GSCU, its affiliates or their respective licensors and are protected by applicable copyright, patent, trademark or other intellectual property laws. You may not copy, display, distribute, download, license, modify, publish, broadcast, repost, reproduce, reuse, sell, transmit, modify, use to create a derivative work, or use for any public or commercial purpose any of the information and materials available through this site without the express written permission of GSCU. This includes through e-mail or other electronic means. You may, however, download the information and materials available through this site to a computer or print out a hard copy for your personal reference if you do not remove any copyright or other notices contained therein. Also, we encourage you to tell others how to access the information and materials directly through this site. You should send requests for our express written permission to any exception to this rule to webmaster@gscu.org.

Information and Materials Available Through This Site
Although we will use reasonable efforts to include accurate and timely information, all information and materials available through this site are provided "AS IS" and with all faults. GSCU does not warrant, and specifically disclaims any warranty as to, the accuracy, completeness, timeliness, non-infringement, merchantability, availability, suitability or fitness for a particular purpose of the information and materials available through this site. You agree that your access to and use of this site and the information and materials available through this site are at your own risk. To the maximum extent permitted by applicable law, you agree that in no event shall GSCU or its affiliates be liable for any direct, indirect, special, incidental, consequential or punitive damages or losses whatsoever (including, without limitation, lost profits, damages for loss of goodwill, work stoppage, or computer failure or malfunction) arising out of or resulting from: (1) your use of, or inability to use, data, documents or information made available on this site or other Web sites linked to this site; (2) content errors, omissions or infringing material; or (3) any harm caused by the transmission of a computer virus, or other computer code or programming device that might be used to access, modify, delete, damage, corrupt, deactivate, disable, disrupt or otherwise impede in any manner the operation of any of your software, hardware, data or property. You agree that GSCU and its affiliates shall have no such liability to you even if GSCU is advised of the possibility of such damages or losses, even if GSCU or its affiliates or information providers are negligent, and regardless of the legal or equitable theory (whether contract, tort, strict liability or otherwise) upon which the claim is based.

GSCU may make improvements and/or changes to any products or services described in this site, and may eliminate any products or services described in this site, at any time. GSCU does not guarantee that any product or service described in this site will be available at any time, or that any such product or service will be available to you (as the eligibility for particular products and services varies).

The information and materials available through this site may include information and materials about the investment process generally as well as research and commentary (not relating to specific securities) about financial planning, investments, interest rates and other economic conditions generally. GSCU is not providing investment advice through this site and does not provide any advice regarding the nature, potential value or suitability of any particular investment or any investment strategy. You agree to make your own independent evaluation of your financial planning needs, interest rates and other economic conditions, and any investments you make. You also agree that you will not use any of the information and materials available through this site as tax or legal advice and that you will consult with your own advisors as necessary with respect to investment, tax or legal advice. You agree that this site and the information and materials available through this site are for informational purposes only and do not constitute an offer to sell or a solicitation to buy any security, even if a specific security is referenced in this site or in any Web site linked to this site.

Links
Our site contains links to sources outside of GSCU that we believe are useful to visitors to our site. Once you link to another site, you are subject to the privacy policy and terms of use of the new site. Such sites are not under the control of GSCU, and GSCU is not responsible for their content. GSCU provides these links to you only as a convenience, and has not tested any software or verified any information found at such sites. Further, the inclusion of any link does not imply GSCU' endorsement of the site or its contents. You acknowledge and understand that there are inherent risks in the use of any software or information found on the Internet. GSCU welcomes links to its site. You are free to create a hypertext link to GSCU' site as long as the link does not state or imply any sponsorship of your site by GSCU. Also, we request a courtesy notification, via e-mail to webmaster@gscu.org, in advance of your link to our site.

Products or Services Obtained from Other Sites
GSCU does not warrant, and specifically disclaims any warranty as to, the merchantability, availability, suitability or fitness for a particular purpose of any products or services you may purchase or obtain from an entity other than GSCU or any other entity sponsoring a Web site linked to this site. You agree that your purchase and use of any such products or services are at your own risk. To the maximum extent permitted by applicable law, you agree that in no event shall GSCU or its affiliates be liable for any direct, indirect, special, incidental, consequential or punitive damages or losses whatsoever (including, without limitation, lost profits, damages for loss of goodwill, work stoppage, or computer failure or malfunction) arising out of or resulting from your purchase or use of any such products. You agree that GSCU and its affiliates shall have no such liability to you even if GSCU is advised of the possibility of such damages or losses and regardless of the legal or equitable theory (whether contract, tort, strict liability or otherwise) upon which the claim is based. In addition to any disclaimers or terms of use imposed by such other entity, you should note that any such investment products or services you may purchase or obtain (1) are not bank deposits and are not insured by the NCUA, (2) are not guaranteed by GSCU or any of its affiliates, and (3) are subject to substantial risk, including the possible loss of some or all of the principal invested.

Computer Viruses
It is possible to contract a computer virus or other malicious code by using the Internet or materials downloaded from it. GSCU does not guaranty that this site or any of the information and materials available through this site will be virus or problem free, and we disclaim liability (if any) for viruses and similar problems. We attempt to keep our site virus free, but cannot assure you that our efforts will be successful.

E-mail
Messages transmitted via electronic mail (e-mail) are not secure and any information transmitted to this site via e-mail will not be treated as confidential. GSCU may use e-mail or other forms of input provided by visitors to this site for any purpose without compensation to the contributor.

Information Collected from E-mails and Web Forms
When you send us personally identifying information, for example, in an electronic mail message containing a question or comment or by filling out a form that e-mails us this information, we use this information to fulfill or respond to your requests. We may store these requests to provide us with information for future improvements to our Web site. We may forward your e-mail to other GSCU staff who are better able to respond to your request. The Credit Union may also use this information to help us do our work. We do not create individual profiles with the information you provide.

Revocation of Access Authorization
GSCU reserves the right to revoke any or all access and use authorizations granted to site visitors. If you have questions or comments about this policy, please contact webmaster@gscu.org.

Loan Application and Servicing Process
www.gscu.org is an online financial service provider that facilitates certain credit decisions for members based on their past credit history and current financial performance. We understand that you expect privacy, confidentiality and security for your financial transactions. We collect and use information about you only when we reasonably expect it is necessary to complete and process your loan application. We ask for information such as contact information (name, address, phone number, etc.), unique identifiers (social security number and date of birth) and financial information (income amount) for specific business purposes in evaluating your loan request. We request and use information obtained from national consumer credit reporting companies to further evaluate your loan application. At this time, we use information obtained from Equifax, TransUnion and Experian. We provide training to our employees, which stresses the importance of maintaining confidentiality of accounts. We maintain certain security standards to deter unauthorized access to confidential information about you. The integrity of our information is tested on a routine basis to validate and improve the protection we offer. We do not disclose specific information about your accounts to parties outside our credit union and affiliated entities for their independent use unless: (1) you ask that we provide information or authorize its release; (2) the information is necessary so we may complete a transaction you initiated; (3) the disclosure is required or permitted by law; or (4) the information is provided to an established national credit-reporting agency. At times, it may be necessary that we share information about you with a party outside our credit union or affiliated entities, such as a vendor that we hire for support services. These vendors agree to safeguard any confidential information obtained and must abide by applicable law.

Governing Law; Jurisdiction
You agree that: (1) your access to and use of this site and these Terms of Use shall be governed by and construed in accordance with the internal laws of the State of New Hampshire and applicable Federal laws; (2) any dispute relating to your access to and use of this site or these Terms of Use (a "dispute") shall be brought exclusively in the Hillsborough County, New Hampshire Superior Court or in the United States District Court for the District of New Hampshire; and (3) you knowingly, voluntarily and irrevocably: (a) consent, for yourself and in respect of your property, to the exclusive jurisdiction of these courts; (b) waive any immunity or objection, including any objection to personal jurisdiction or the laying of venue or based on the grounds of forum non conveniens, which you may have from or to the bringing of the dispute in such jurisdiction; (c) waive any personal service of any summons, complaint or other process that may be made by any other means permitted by the State of New Hampshire; (d) waive any right to trial by jury; (e) agree that any such dispute shall be decided by court trial without a jury; and (f) agree that GSCU or its affiliates may file a printed or electronic version of the Terms of Use with any court as written evidence of your consents, waivers and agreements set forth herein.

Miscellaneous
These Terms of Use represent the complete and exclusive statement of the agreement between you and GSCU regarding your access to this site and your use of the information and materials available through this site, and supersede all prior and contemporaneous agreements and representations regarding the subject matter hereof. Notwithstanding the foregoing, however, the Terms of Use are in addition to, and do not nullify, any other agreement between you and GSCU or its affiliates governing your relationship with GSCU or its affiliates generally. Except as herein provided, no waiver, modification or amendment of any provision of these Terms of Use shall be effective against GSCU unless the same is in writing and signed by an authorized officer of GSCU. GSCU may modify these Terms of Use at any time upon written notice or posting to the site. You agree that if you access this site or use the information and materials available through this site after such notification of changes, you will be bound by all such changes. Thus, you should continue to review these Terms of Use whenever using this site. If you do not want to be bound by any changes, you must not use this site or any of the information and materials available through this site after the changes become effective. Should any term or provision of the Terms of Use be deemed or held to be invalid or unenforceable, the remaining terms and provisions shall continue in full force and effect.

Privacy Statement

Security
All of the electronic forms on this site, such as those for our loan applications, are on secure servers. This means that GSCU has taken reasonable steps to protect your personal information from unauthorized parties. We treat customer information given to us online with the same confidentiality that we do with customer records on paper and with information taken over the phone by GSCU customer service representatives. However, no technology is fail-proof. It is possible – even if remote – for an unauthorized person to gain access to this information despite the safeguard of a secure server. Consequently, visitors using forms on our site do so at their own risk.

A cookie is a way for web sites to recognize whether or not you have visited the site before. It is a piece of data given to a browser by a web server, so that the browser will hand it back to the server on subsequent visits. GSCU uses cookies in places where you need to register or where you are able to customize the information you see. Recording a cookie at such points makes your online experience easier and more personalized. Although there has been some debate over the privacy implications of cookies, they do not read your hard drive nor can they be used to reveal anything about you that you have not already explicitly revealed. Questions regarding our privacy statement can be sent to info@gscu.org. For all other questions, please check out the Contact Us section on this site.

What information about users does GSCU collect through our website?
The following information is collected and stored automatically from all users accessing GSCU's website:

  • The Internet domain (for example, "xcompany.com" if you use a private Internet access account, or "yourschool.edu" if you connect from a university's domain) and Internet Protocol (IP) address from which you access our site;
  • The type of hardware, browser and operating system used to access our site;
  • The date and time you access our site;
  • The number of bytes of data transmitted during your visit;
  • Transaction and routing information to and from your computer;
  • The pages you visit; and
  • If you linked to our site from another Web site, the address of that Web site (URL).

This information is used for purposes such as assessing what information is of most interest to users and system enhancements. For site management, information is collected for statistical purposes. Computer software programs are used to create summary statistics, which are used for such purposes as assessing what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas. No personal information, such as your name or address, is collected or used for this analysis. We collect no information which would identify you personally.

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