Liberty Bay Credit Union is providing this website (the “Site”) to you subject to the following terms (“Terms”). These Terms should be read carefully, as they exclude or limit Liberty Bay Credit Union’s liability and set forth the terms and conditions that apply to your use of the Site. By using the Site, you agree to be bound by the Terms below. If, at any time, the provisions of these Terms are not acceptable to you or if you do not agree to be bound by these Terms, please discontinue your use of the Site.


Use of Information and Materials

The information and materials contained within this Site, and the terms, conditions and descriptions that appear are subject to change. Unauthorized use of this Site or unauthorized entry into Liberty Bay Credit Union’s systems, misuse of passwords or misuse of any information contained within the Site is strictly prohibited. Your eligibility for products or services described in the Site is subject to membership requirements and Liberty Bay Credit Union’s approval, in its sole discretion. Investment services are not bank deposits and are not insured by the NCUA or any other third party, and are subject to investment risks, including the loss of the principal amount invested. You are hereby authorized to view the information contained in the Site and print pages in the Site for informational, non-commercial purposes only.

Copyright © Liberty Bay Credit Union 2015

Content in the pages, in the screens displaying the pages, and in the information, materials and other content contained in the Site is owned by Liberty Bay Credit Union unless otherwise indicated and is protected by United States and international copyright laws and treaties. The information, materials and other content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, sold, or otherwise used for public or commercial purposes without the express written consent of Liberty Bay Credit Union. No solicitation is made by Liberty Bay Credit Union to any person to use any information, products, services, or materials in a jurisdiction where such information, products, services, or materials is prohibited by law.

Trademark Notice

Liberty Bay Credit Union is a registered trademark. The lighthouse icon and logo renditions are registered trademarks of Liberty Bay Credit Union. In addition, Liberty Bay Credit Union claims rights in certain other registered and unregistered trademarks and service marks contained on this Site. Unauthorized reproduction or use of any such trademarks and service marks is prohibited.


All information submitted to Liberty Bay Credit Union via this Site shall be deemed and remain the property of the credit union, and Liberty Bay Credit Union shall be free to use, for any purpose, any idea, concepts, know-how, or techniques contained in information you provide the credit union through this Site. Liberty Bay Credit Union shall not be subject to any obligations of confidentiality regarding submitted information except as specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Liberty Bay Credit Union’s responsibilities and obligations to customers in accordance with the credit union’s Privacy Policy.

Third Party Links

Liberty Bay Credit Union has provided hypertext links and pointers to websites maintained by third parties that are not part of the Site for you to access at your sole discretion and may from time to time provide third party materials on the Site (“Third Party Sites”). Neither Liberty Bay Credit Union nor its suppliers operates or controls in any respect any information, products, or services on these Third Party Sites, and Liberty Bay Credit Union makes no representations and you expressly agree that Liberty Bay Credit Union is not responsible for any losses or damages in connection with the information, security, privacy practices, availability, content or accuracy of materials of such Third Party Sites. The provision of hypertext links to these Third Party Sites is not a guarantee or an endorsement of the products, services, information, or recommendations of such Third Party Sites, and Liberty Bay Credit Union is not liable for any reliance upon or the failure of any products or services advertised on these or any other Third Party Sites. Also, you should be advised that Third Party Sites might have privacy policies different from that of Liberty Bay Credit Union and Third Party Sites may provide less security than this Site.

Disclaimer of Warranties

Access to and use of the Site are at your own risk and Liberty Bay Credit Union or its suppliers do not warrant that the use of this Site or any material downloaded from it will not cause damage to any property, or otherwise minimize or eliminate the inherent risks of the internet, including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, Liberty Bay Credit Union accepts no liability in respect of losses or damages arising out of changes made to the content of the Site by unauthorized third parties.

The information contained in this site, including texts, graphics, links, or other items are provided “as is.”. Neither liberty bay credit union nor its suppliers warrant the availability, accuracy, adequacy, completeness or timeliness of the information, materials, products, and services accessed on or through the site and expressly disclaims liability for errors or omissions in the information or materials accessed on or through the site. No warranty of any kind, whether implied or express, including but not limited to the warranties of non-infringment, title, merchantability, fitness for a particular purpose and freedom from computer virus is given in conjunction with the information, materials, products, or services.

Limitation of Liability

In no event shall liberty bay credit union or its third party suppliers be liable for any damages, losses or liabilities including, without limitation, direct or indirect, punitive, incidental, special, consequential or other damages, losses or expenses arising out of or in any way connected with the use of this site or reliance on or use or inability to use the information, materials, products or services on this site, or in connection with any failure of availability, performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if liberty bay credit union or its third party providers are advised of the possibility of such damages, losses or expenses. The foregoing limitation may not apply to the extent such limitation is prohibited by applicable law.

Governing Law and Jurisdiction

You agree that your use of the Site shall be governed by all applicable Federal laws and the laws of the State of Massachusetts without giving effect to any principles of conflicts of law. You expressly agree to submit to the sole and exclusive jurisdiction of the state and federal courts sitting in the membership areas.