Region Credit Union Bank - Digital Banking Terms and Conditions

Welcome to Region Credit Union Bank's digital banking platform. We're thrilled to have you join us on this journey towards seamless, secure, and sustainable banking experiences. Before you dive into our world of innovative financial solutions, let's go over the terms and conditions that govern your use of our services.

1. Acceptance of Terms: By accessing or using Region Credit Union Bank's digital banking services, you agree to comply with and be bound by these terms and conditions. If you do not agree with any part of these terms, please refrain from using our services.

2. Eligibility:
To use our digital banking platform, you must be at least 18 years old and possess the legal capacity to enter into a binding agreement. By using our services, you represent and warrant that you meet these eligibility requirements.

3. Account Registration:
When registering for an account with Region Credit Union Bank, you agree to provide accurate, current, and complete information about yourself. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Use of Services: Our digital banking services are intended for personal, non-commercial use only. You agree not to use our platform for any unlawful or unauthorized purposes, including but not limited to fraud, hacking, or spamming.

5. Fees and Charges:
Certain services offered through our digital banking platform may be subject to fees and charges. We will provide you with clear and transparent information regarding any applicable fees before you use the relevant service.

6. Security and Privacy: We take the security and privacy of your information seriously. We employ industry-standard security measures to protect your data, but we cannot guarantee complete security. By using our services, you acknowledge and agree to the terms of our Privacy Policy. 7. Intellectual Property: All content and materials provided through our digital banking platform are the property of Region Credit Union Bank and are protected by copyright and other intellectual property laws. You may not reproduce, distribute, or modify any content without our prior written consent.

8. Limitation of Liability: Region Credit Union Bank will not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with your use of our services. We disclaim all warranties, express or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose.

9. Termination: We reserve the right to terminate or suspend your access to our digital banking platform at any time, without prior notice, for any reason. Upon termination, your right to use our services will immediately cease.

10. Governing Law: These terms and conditions are governed by the laws of [Jurisdiction]. Any disputes arising from or relating to these terms shall be subject to the exclusive jurisdiction of the courts.

User Responsibilities:

1. Security Measures:
Users are responsible for maintaining the security of their login credentials and ensuring that unauthorized access to their account does not occur. This includes selecting strong and unique passwords, safeguarding personal information, and promptly reporting any suspicious activity. 2. Accurate Information:
Users are required to provide accurate and up-to-date information during the registration process and when using our digital banking services. Any changes to personal or contact information should be promptly updated within the user's account settings. 3. Compliance with Policies:
Users must comply with all applicable laws, regulations, and Region Credit Union Bank's policies while using our digital banking platform. This includes refraining from engaging in any unlawful or prohibited activities and adhering to the terms and conditions outlined by the bank. 4. Monitoring Transactions:
Users are responsible for regularly monitoring their account activity and reporting any discrepancies or unauthorized transactions to Region Credit Union Bank's customer support team. Timely reporting ensures prompt investigation and resolution of any issues.

Dispute Resolution Procedures:

1. Informal Resolution: In the event of a dispute or complaint, users are encouraged to first attempt to resolve the issue informally by contacting Region Credit Union Bank's customer support team. Our dedicated representatives are available to address concerns and provide assistance in a timely manner.

2. Formal Complaint Process: If an informal resolution is unsuccessful, users may escalate their complaint through Region Credit Union Bank's formal complaint process. This typically involves submitting a written complaint detailing the nature of the dispute, relevant account information, and any supporting documentation.

3. Investigation and Resolution: Upon receipt of a formal complaint, Region Credit Union Bank will promptly investigate the matter and work towards reaching a fair and equitable resolution. Our goal is to address user concerns effectively and provide appropriate compensation or remedies where warranted.

4. External Dispute Resolution: If a satisfactory resolution cannot be reached through Region Credit Union Bank's internal dispute resolution process, users may have the option to escalate the matter to an external dispute resolution scheme or regulatory authority, as permitted by applicable laws and regulations.

Updates to Terms and Conditions:

1. Notification of Changes: Region Credit Union Bank reserves the right to update or modify these terms and conditions at any time without prior notice. Users will be notified of any changes to the terms and conditions through email or by a prominent notice on our digital banking platform.

2. Acceptance of Changes: Continued use of Region Credit Union Bank's digital banking services following the posting of updated terms and conditions constitutes acceptance of the revised terms. Users are encouraged to review the terms and conditions periodically to stay informed of any changes.

3. Effective Date: Updated terms and conditions will take effect immediately upon posting unless otherwise specified. It is the user's responsibility to familiarize themselves with the latest version of the terms and conditions and to abide by them accordingly.

4. Feedback and Suggestions: Region Credit Union Bank values user feedback and welcomes suggestions for improving our terms and conditions and digital banking services. Users are encouraged to provide feedback through our customer support channels or feedback forms available on our website.

Thank you for taking the time to review our terms and conditions. We're excited to embark on this banking journey with you and look forward to providing you with exceptional digital banking experiences. If you have any questions or concerns about these terms, please don't hesitate to contact us. Welcome to Region Credit Union Bank!.