|
Electronic Delivery of Statements and
Notices
By submitting your request for electronic statements (also known as
e-statements), you consent and agree that GPO Federal Credit Union may
provide certain disclosures and notices to you in electronic form,
instead of paper form.
Definitions
As used in this Agreement, the words “we,” “our,” “us” and “Credit
Union” mean GPO Federal Credit Union. “You” and “your” refer to the
account owner(s) authorized to receive e-statements under this
Agreement. “Account” or “accounts” means your share and/or loan accounts
(with the exception of your credit card account) at GPO. “Business days”
mean Monday through Friday. Federal holidays are not included.
Scope of Consent for Electronic Delivery of
Statements & Notices
Your consent to receive electronic statements covers the periodic
statements you are provided with in connection with your share and loan
accounts (except credit cards) with GPO. Your consent also covers all
disclosures that are required or may be provided in regard to your
account(s), including, but not limited to, the Billing Rights Statement
as required by the Truth in Lending Act and the Error Resolution notice
required by the Electronic Fund Transfer Act.
You understand that GPO will no longer mail
a printed loan and share account statement to your address of record.
All future statements will be maintained through our secure website from
which you access to obtain, review, print and copy or download your
periodic statements. Each statement period, we will send an e-mail
notice to you advising you of the availability of your e-statement and
the website where you can access your statement. You may then access
your statement via our secured website using the procedures we
authorize.
Your consent to receive electronic notices covers any notice or type of
communication regarding your account(s) provided to you pursuant to the
terms of this Agreement.
E-Statement Procedures
You will receive an e-mail shortly after the end of each statement
period (either monthly or quarterly depending upon your account
relationship) letting you know of the availability of your statement.
The notice will include a link to GPO’s e-PAT log-in page which also may
be accessed from GPO’s website (gpoconnect.com). You must log into the
e-PAT page to view your statement. Once on the e-PAT page, click on the
“statement” option to view and/or print your statement. Links will be
provided to important disclosures, as well as terms and conditions.
Duty to Review Periodic Statements
Upon receipt of your e-statement statement, you must promptly access and
review it and any accompanying items and notify us in writing within the
applicable time period specified in your Account Agreement or Loan
Agreement of any errors unauthorized transactions, or other
irregularity. If you allow someone else to access your statement, you
are still fully responsible to review the statement for any errors,
unauthorized transactions, or other irregularities. Any applicable time
periods within which you must notify us of any errors on your account
statement(s) shall begin on the e-mail date regardless of when you
receive and/or open the e-statement.
Change of E-Mail Address
You agree to notify us immediately of any change in your e-mail address.
This may be done through the secured e-PAT web page or in writing to the
credit union.
If your e-mail
address changes and we are not able to electronically deliver your
statement after two statement period cycles, GPO will automatically
revert to mailing your statement to your address of record. Should this
address change, it is your duty and responsibility to notify us as well.
Security
You understand the importance of your role in preventing misuse of your
accounts and you agree to promptly examine your e-statement for each of
your GPO accounts as soon as you access it. You agree to protect the
confidentiality of your account and account number, and your personal
identification information, as well as your driver’s license number and
Social Security Number, You understand that personal identification
information by itself or together with information related to your
account, may allow unauthorized access to your account. As is the case
with everything traveling through the Internet, security is of the
utmost importance. Even statements being mailed via the postal system
have their own set of security issues. This is why GPO has chosen to
notify you via e-mail that your statement is ready and where to retrieve
it. The e-mail serves only to notify you that your GPO e-statement is
available. The e-mail will not contain your statement. Your GPO
e-statement will only be available through our secure e-PAT online
banking system.
Password Security
For security reasons, we require that you log into GPO’s e-PAT system to
access your e-statement. If you incorrectly enter your GPO password
three times you will be prevented from access. If you are prevented
access due to an incorrect password, contact the credit union for
assistance at (315) 724-1654. If you want to change your password, you
may due so by resetting it once you have gained access to the e-PAT
system.
Your log in password is
confidential information that should be known only by you. GPO will not,
for any reason, ask for your log in password. If anyone contacts you and
requests this information, contact us immediately. You are responsible
for keeping your log in password confidential.
Here are some suggestions for maintaining password secrecy:
-
Memorize your passwords – never write
them down.
-
Try to use random numbers and letters
for your password. Avoid using passwords that could be easily
guessed by others (like your name, your phone number, your date of
birth, etc).
-
Always exit your password before leaving
your computer unattended.
-
Notify the credit union immediately if
you have any reason to believe that the confidentiality of your
password has been compromised.
-
If there are joint relationships on your
account, your password may be changed using the procedures described
above by an authorized party to your account. The credit union shall
have no obligation or liability to any of the parties to a
joint-relationship account if the password is changed using the
procedures we authorize.
Change in Terms
We may change any term of this Agreement at any time. If you do not wish
to accept the change, you may terminate this agreement by withdrawing
your consent to receive statements and notices electronically.
Your Right To Withdraw Consent
You have the right to withdraw your consent to having your statements
provided in electronic form by going to the “CU Services” page of the
e-PAT system and checking the applicable choice under e-mail
preferences. By doing so, you will disable the exclusive electronic
delivery option of your statement. We must receive your withdrawal of
consent not less than three business days before the date that
statements are processed for that statement period. You will receive
paper statements for subsequent statement periods. However, your
e-statement will continue to be available via the e-PAT system.
Disclaimer of Warranty and Limitation of
Liability
We make no warranty of any kind, express or implied, including any
implied warranty of merchantability or fitness for particular purpose,
in connection with the e-statements provided to you under this
Agreement. We do not and cannot warrant that e-Statements will operate
without error, or that e-Statements will be available at all times.
Except as specifically provided in this Agreement, or otherwise required
by law, you agree that our officers, directors, employees, agents or
contractors are not liable for any indirect, incidental, special or
consequential damages under or by reason of any services or products
provided under this Agreement or by reason of your use of e-Statements,
including loss of profits, revenue, data or use by you or any third
party, whether in an action, in contract or tort or based on a warranty
of any other legal theory.
Joint Accounts
If your share account is joint with another person, one of you may
consent to receive disclosures electronically and that person’s election
to receive e-statements shall apply to both of you. We will then send
the notice regarding the availability of your e-statements to the e-mail
address provided in lieu of providing a paper statement.
Our Right To Terminate
You agree that we can terminate our e-statement service and revert to
printed, mailed statements for any reason at any time.
Communications Between GPO and You
Unless this Agreement indicates otherwise, you may communicate with GPO
in any one of the following ways:
Via E-Mail at e-statements@gpoconnect.com
Via Telephone at (315) 724-1654 or 1-800-UCAL-GPO
Via Postal Mail at 4311 Middle Settlement Road, New Hartford, NY 13413
In Person at any GPO branch
Requesting A Paper Copy Of A Statement
Requests for paper copies of a statement may be made by e-mailing us at
gpofcu@gpoconnect.com or by calling (315) 724-1654. There may be a fee
for statement copies. Please reference GPO’s Fee Schedule.
Statement Accessibility & Retention
To open and view an e-statement or any other document sent by GPO, your
computer must be equipped with Adobe Acrobat software version 4.0 or
higher. You may download Adobe Acrobat for free at www.adobe.com.
To retain a copy of your statements, you will need a printer attached to
your computer capable of printing Web pages.
Additional Terms & Conditions Of Your
Electronic Statement Agreement
The terms and conditions of your Membership and Account Agreement for
each of your GPO accounts, as well as your other agreements with GPO
such as loans continue to apply notwithstanding anything to the contrary
in this Agreement.
This Agreement is also subject to applicable Federal laws and the laws
of the State of New York. If any provision of this Agreement is found to
be unenforceable according to its terms, all remaining provisions will
continue in full force and effect. The headings in this Agreement are
for convenience or reference only and will not govern the interpretation
of the provisions. Any waiver (express or implied) by either party of
any default or breach of this Agreement must be in writing and shall not
constitute a waiver of any other or subsequent default or breach. You
may not assign this Agreement. This Agreement is binding upon your heirs
and GPO’s successors and assigns. Certain obligations of the parties
pursuant to this Agreement that by their nature would continue beyond
the termination, cancellation or expiration of this Agreement shall
survive termination, cancellation or expiration of this Agreement.
This Agreement will be executed electronically when you click the box
indicating that you agree to its terms and is effective on that date.
Please print a copy of this Agreement and save it for your records. The
Agreement will continue to be available online.
|
