Online Service Disclosure and Consent

In this document, Indiana Members Credit Union will be referred to as (“we”, “us”, “our”), and the member of Indiana Members Credit Union will be referred to as (“you”, “your”). 

Please review this document carefully and print a copy for your reference. You can access an online copy at any time by navigating to the "E-Communication Preferences" section by clicking on the "Manage My Settings" link on your Account Homepage. This Online Service Disclosure and Consent ("Disclosure"), applies to all communications for those products and services offered through our online application.


Scope of Communications to Be Provided in Electronic Form  

When you use a product or service to which this Disclosure applies, you agree that we may provide you with any communications in electronic format, and that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:
- All legal and regulatory disclosures and communications associated with the product or service available through the Online Service for your Account.
- Notices or disclosures about a change in the terms of your Account.
- Privacy policies and notices.


Method of Providing Communications to You in Electronic Form


All communications that we provide to you in electronic form will be provided either (1) via e-mail, (2) by access to a Web site that we will designate in an e-mail notice to you at the time the information is available.
 

How to Withdraw Consent

You may withdraw your consent to receive communications in electronic form by selecting that option under your "E-Communication Preferences" section, which is accessible from your Account Homepage by clicking on the "Manage My Settings" link. No fees will be imposed to process the withdrawal of your consent to receive electronic communications, however your access and use of the Online Service will be terminated. Any withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal.
 

How to Update Your Records

It is your responsibility to provide and maintain a current e-mail address. You can update information (such as your e-mail address) under your "Update E-Mail Address" section, which is accessible from your Account Homepage by clicking on the "Manage My Settings" link.
 

Hardware and Software Requirements

In order to access, view, and retain electronic communications that we make available to you, you must have:
- Personal computer
- Internet browser that supports 128 bit encryption
- Sufficient electronic storage capacity on your hard drive or other data storage unit
-  E-mail account with an Internet service provider, and e-mail software
- Operating system and Internet connection capable of receiving, accessing, displaying, and either printing or storing electronic communications received via a plain text-formatted e-mail or by access to our Web site
 

Requesting Paper Copies

We will not send you a paper copy of any communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic communication to you. To request a paper copy, please submit your request to members@imcu.com.
 

Communications in Writing


All communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other communications that are important to you.
 

Termination/Changes


We reserve the right, in our sole discretion, to discontinue the provision of your electronic communications, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such termination or change as required by law.
 

Federal and State Law

You acknowledge and agree that your consent to electronic communications is governed by federal law in connection with a transaction affecting interstate commerce. To the extent that federal law does not apply, the laws of the State of Indiana shall.
 

Consent


By selecting, "Yes, I consent to E-Communication," you consent to electronically receive all communications regarding products and services that are offered through our Online Service. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send electronic communications to you.