Terms & Conditions

The following terms of use apply to your access to and use of the MEFCU's Web site. These terms and conditions are important - please take a moment and read them carefully. By accessing any page of our Web site, you agree to be bound by these terms, whether or not you are our customer. If you do not agree to the following terms and conditions, do not access this site or any page thereof.
General Information:
All of the information and contents of our Web site are subject to change without notice. Not all products and services are available in all geographic areas. Your eligibility for specific products and services is subject to determination and approval by us.
Disclaimer of Warranties and Liabilities
All information provided on this Web site is believed by us to be accurate and reliable as of the date posted on the site. However, due to the possibility of human and mechanical error, as well as other factors, we are not responsible for errors in or omissions from the information contained in this Web site. All of the information, materials, and functions contained in our Web site are provided on an "AS IS" basis without warranties of any kind, either express or implied, including, but not limited to, warranties or merchantability, fitness for a particular purpose, or freedom from computer virus. We do not warrant the adequacy, accuracy, timeliness, or completeness of the information and materials included in our Web site or in other sites linked to or from our Web site, or that the functions provided will be uninterrupted or error-free, and expressly disclaims any liability for any errors in or omissions from information, materials and functions included in our Web site or any other sites linked to or from our Web site.
In no event will we be liable for any direct or indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with your use of this Web site, or any interruption in the availability of our Web site, delay in operation or transmission, computer virus, loss of data, or otherwise, even if we have been advised of the possibility of such damages or losses.
User Indemnification
You agree to indemnify, defend and hold us harmless from any liability, loss, claim and expense, including attorneys' fees, related to your violation of these terms and conditions or the use of the services and information provided at this Web site.
Privacy and Use of Information
We understand that you are concerned about privacy. To get more on how we treat general information provided to us, please refer to our Privacy Notice and for information about how we treat information provided to us on our website, please refer to our Internet Privacy Statement.
Links to Other Web Sites
Our Web site may contain links to other Web sites. Such links are not endorsements of any products or services in those sites, and no information in such sites has been endorsed or approved by us. We are not responsible for the content, accuracy, or opinions expressed in other Web sites, and such Web sites are not investigated, monitored, or checked for accuracy or completeness by us. Links to non-MEFCU Web sites are provided solely for the purpose of providing easy navigation to information that may be useful to users of our Web site.
The calculators linked to our Web site can help you with your financial planning. The results are based on the information and assumptions you enter. Try various "what-if" scenarios as often as you like. The calculators are for informational purposes only and do not constitute an offer to make a loan or to open a share savings or certificate account.
The content, organization, gathering, graphics, design, software, compilation, magnetic translation, digital conversions, and other matters related to this Web site are protected under applicable copyright, trademark, and other proprietary rights, including but not limited to, intellectual property rights. Furthermore, the copying, redistribution, alteration, use, or publication by you of any content or part of this Web site is prohibited without our prior written consent. You do not acquire ownership rights to any content or document obtained by or through this Web site.
Location of Operations, Governing Law, and Consent to Jurisdiction
This Web site (excluding linked sites) is controlled by MEFCU from its offices in the State of Maryland, United States of America. While you may choose to access our Web site from other locations, we make no representation that any information, materials, or functions included in our Web site are appropriate or authorized for use in other jurisdictions. Your access from other locations is made on your own initiative; you, and not us, are responsible for compliance with any applicable local laws and regulations.
Your access to and use of our Web site and these terms are governed by and will be construed in accordance with the laws of the State of Maryland without regard to principles of conflicts of laws, to the extent not pre-empted by federal law. In the event that any provision of these terms is held unenforceable, it will not affect the validity or enforceability of the remaining provisions.
In the event of a dispute concerning or relating in any way to this Web site, you and MEFCU agree and hereby submit to the exclusive personal jurisdiction and venue of the State and Federal Courts located in the State of Maryland with respect to such matters.