ADA Compliance Notice & Policies and Terms & Conditions

While visiting cuna.org you will be governed by the following policies and practices.    Please review these terms carefully.  If you do not agree to these terms, you should not use this site, or Credit Union National Association (CUNA) products or services.

Americans with Disabilities Compliance

If you need accommodations to use this website and/or are using a screen reader and are having problems using this website, please call 1 800 356-9655 for assistance.

Privacy Policy

CUNA is committed to responsible use of your personal and business information (“Information”). This Privacy Policy is an expectation you can have in all your dealings with CUNA. This Privacy Policy is effective June 1, 2020.

What Information We Collect and How We Use It

We collect certain personal, business, education, geographic and demographic Information such as name, address, phone, email addresses, identification numbers, call report, survey data. We also collect additional information, most often provided directly by you. We also collect certain information relating to your visits to our websites. When you visit a website, you disclose certain information, such as your Internet Protocol (IP) address, the type of browser and operating system used to access our website, the time of your visit and the pages you visit and the information you request. CUNA’s website, like many other sites, records this basic information about visits to our website. We use Information to promote, provide and confirm purchase of products and services, both from CUNA and its partners/vendors, and to improve on the quality of products and services provided. We use the information to educate ourselves on our members to best address member needs and desires, to track and measure web usage, to improve our websites and web-based services, and to efficiently communicate with you. Information we collect is not sold to third parties but may be disclosed when it facilitates the offering, provision or administration of products and services, or when it is required by legal process. We may share Information with CUNA affiliates, such as credit union leagues, vendors, exhibitors or sponsors.

How We Collect Information

Information we collect is most often voluntarily provided by you, for example by your creation of an account, registration for events or purchase of products/services, but is sometimes obtained from public or third-party sources, or in some instances through the use of "cookies." A cookie is a small text file that allows the storage of such information. Most browsers are set up to accept cookies, but you can change your settings to have your browser notify you when you receive a new cookie or to refuse to accept cookies. Cookies are important and necessary part of providing personalized services to our users.  Our service uses the following tracking methods: Local log files from our server and Google Analytics.  You can opt out of Google Analytics without affecting how you visit our website. For more information on opting out of Google Analytics tracking, visit this Google page.  We do not currently support the capability to respond to web browser “do not track” signals. 

How We Protect Information

We maintain physical, electronic and procedural safeguards to protect your nonpublic Information. Because there are inherent risks to confidentiality associated with the Internet, CUNA has made substantial investment in technology to protect the Information it collects. Your access to some services and content is password protected. We advise that you do not disclose your password to anyone.  You are solely responsible for keeping your password confidential and secure.  You understand that you are responsible for all use (including any unauthorized use) of your username and password. If your username or password is lost or stolen, or if you believe there has been unauthorized access to your account by a third party, you must notify us immediately and change your password as soon as possible. In addition, we recommend you sign out of password-protected services at the end of your session. When necessary, such as for credit card information, we use encryption, and only authorized individuals have access to your Information. This policy will be kept current on this site and we invite you to refer to it regularly.  If we make material changes, we will post a notice on the home page of our website with a link to the revised Privacy Policy.  Any such changes will be effective immediately upon posting, unless otherwise stated in the change. Should this site link to another non-CUNA site, we urge you to also visit their privacy pages.

How You Can Access Your Information

If at any time you have questions regarding, or are in any way uncomfortable with the collection or use of your Information, we urge you to contact us directly by sending an email to Hello@cuna.coop by calling 1 800 356-9655 so that we may answer your questions or otherwise address your concern.  Additionally, you may request information about our disclosures of certain categories of personal data to third parties for direct marketing purposes.  Such requests must be submitted to us at one of the following addresses: hello@cuna.coop.  

How Long We Keep Personal Information

We will maintain personal information about you for as long as necessary in connection with both our and your legal rights and obligations for the purposes for which it was collected, to defend or advance legal claims, or otherwise required by applicable legal requirements.

What are Your Privacy Rights

You may be entitled to request that we disclose to you personal information we have collected about you, the categories of sources from which we collected the information, the purposes of collecting the information, the categories of third parties with whom we have shared the information, and the categories of personal information that we have shared with third parties for a business purpose.  In some instances, you may have the right to receive the information about you in a portable and readily usable format.  Subject to certain conditions, you may be entitled to request that we delete personal information about you.  Before providing any information or deleting information, we must be able to verify your identity.  We will not delete personal information about you when the information is required to fulfill a legal obligation, is necessary to exercise or defend legal claims, or where we are required or permitted to retain the information by law. We currently do not sell personal information to third parties. We may share personal information about you with our vendors and  partners and as permitted by law.   You may unsubscribe at any time by clicking the unsubscribe link or by unsubscribing in your account settings.  If you would like to appoint an authorized agent to make a request on your behalf, and that agent is not already authorized to access your account, we require you to verify your identity with us directly before we provide any requested information to your approved agent. We do not discriminate against you if you choose to exercise these rights.


Code of Conduct for Meetings and Events

CUNA holds live and virtual professional conferences and meetings to enable its members to receive continuing education, build professional networks and discover new products and services for professional use. This Meetings & Events Code of Conduct applies during all CUNA meeting-related events, including those sponsored by organizations other than CUNA but held in conjunction with CUNA events, in public or private facilities. CUNA is committed to providing a productive and welcoming environment for all attendees. CUNA seeks to provide a conference environment in which diverse participants may learn, network and enjoy the company of colleagues in an environment of mutual human respect. 

All CUNA related individuals, including, but not limited to, attendees, speakers, volunteers, exhibitors/vendors, CUNA staff, service providers and others involved in the events, are expected to abide by this code, specifically, to uphold the principles of Integrity, Respect and Responsibility:

  • Integrity: acting in an honest and ethical manner;
  • Respect: honoring differences in people, ideas, and opinions; and
  • Responsibility: accepting ownership for one’s own conduct.

CUNA is also dedicated to providing a harassment-free experience for everyone based on race, religion, citizenship, gender (including pregnancy), national origin, age, disability, veteran status, genetic information or any other protected characteristics.

  • Harassment may include offensive verbal comments, deliberate intimidation, stalking, following, harassing photography or recording, sustained disruption of talks or other events, inappropriate physical contact and unwelcome attention. 
  • Sexual language or imagery is not appropriate for any venue, including booths, presentations, roundtable discussions, workshops, parties, social media and other online media.
  • Participants asked to stop any harassing or inappropriate behavior are expected to comply immediately.
  • If a participant engages in harassing or inappropriate behavior, CUNA may take any action it deems appropriate, including warning the offender or expulsion from the conference with no refund.

If you or others are experiencing inappropriate behavior or are being harassed at a CUNA event, please contact a member of the CUNA event team immediately. Our team will be happy to help participants contact hotel/venue security or local law enforcement, or otherwise assist those experiencing the behavior or harassment to feel safe for the duration of the conference. CUNA staff can be identified by their STAFF badges. If you are participating in a CUNA virtual event and need to report any inappropriate behavior, please contact the CUNA Administrator monitoring the session immediately. 


Photo/Video/Recording Release 

CUNA, itself or by its contractors, may be photographing, videotaping, audio-taping or webcasting sessions and events at its events. By attending, participants acknowledge these activities and agree to allow their image and/or voice to be used by CUNA, such as in association publications, on CUNA's website and in marketing and promotional materials, without compensation.


Credit Card Policy

To help keep your information safe, CUNA does not accept credit card numbers via electronic message (e-mail, instant messaging, etc.). Emails received with credit card information will be deleted. You may make credit card purchases via our website, or please contact member service at 1 800 356-9655 to make a purchase or for general assistance.


Intellectual Property

CUNA materials are copyright protected. CUNA trademarks are proprietary. No part of any information, product or service may be shared, reproduced, transmitted, or stored by any means, without the prior written permission of the copyright/trademark owner.


Warranty and Limitation of Liability

NEITHER CUNA NOR ANY OF ITS AFFILIATES OR THEIR RESPECTIVE EMPLOYEES MAKE ANY EXPRESS OR IMPLIED WARRANTY, OR ASSUME ANY LEGAL LIABILITY OR RESPONSIBILITY FOR ACCURACY, ADEQUACY, COMPLETENESS, OR USEFULNESS OF ANY PRODUCT, SERVICE OR INFORMATION. THEY ARE PROVIDED “AS IS” WITH THE UNDERSTANDING THAT CUNA IS NOT ENGAGED IN RENDERING LEGAL, ACCOUNTING, OR OTHER PROFESSIONAL SERVICES. IF PROFESSIONAL ADVICE IS REQUIRED, THE SERVICES OF A COMPETENT PROFESSIONAL SHOULD BE SOUGHT. BY PURCHASING PRODUCTS OR SERVICES OR PARTICIPATING IN INTERACTIVE PORTIONS OF THE SITE, YOU HEREBY DISCLAIM, WAIVE AND FULLY RELEASE ANY AND ALL CLAIMS WHETHER IN WARRANTY (EXPRESS OR IMPLIED) TORT, STRICT LIABILITY OR OTHERWISE, YOU HAVE OR MAY HAVE AGAINST CUNA OR ITS AFFILIATES, FOR ANY AND ALL DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR OTHERWISE, RELATED THERETO.


Third Party Endorsements 

The site may contain links to information created and maintained by third parties. These links are provided solely for your convenience. CUNA does not guarantee the accuracy, relevance, timeliness, or completeness of any third-party information. Further, the inclusion of links to third party sites is not intended to assign importance to those sites and the information contained therein, nor is it intended to endorse, recommend, or favor any views expressed, or commercial products or services offered on these third-party sites, or the vendors sponsoring the sites. The views and opinions of authors or participants do not necessarily state or reflect those of CUNA or its affiliates.

 
Monitoring

CUNA does not actively monitor its site for inappropriate participation and does not undertake editorial control of postings. However, in the event that any inappropriate participation or posting is brought to the attention of CUNA, we will take appropriate action.

 
Termination

CUNA reserves the right to terminate access to any user of its Product, Service or websites.

 
Terms for Products and Services Purchases and Use

Product Shipping. Most orders are shipped UPS ground and you can expect to receive your order in approximately 5-7 working days. If you need a package sooner, please indicate the shipping method. CUNA accepts no liability for orders that do not meet shipping estimates.

Invoicing. Invoices will be sent once the product has been shipped or service has been orders. Payment is due upon receipt of the invoice. Payment can be sent in the form of check, credit card (VISA, American Express or MasterCard), or ACH.

Pricing. The prices displayed on this site are quoted in U.S. dollars and do not include shipping and handling or sales taxes, if applicable, which will be added to your total invoice price. You are responsible for the payment of any shipping and handling charges and state and local sales or use taxes that may apply to your order.

Returns. Product returns are accepted for physical products only, within 30 days of receipt of your order, and must be in the condition they were sent to you in. Reimbursement will be for cost of the returned item only. Freight will be paid by you. No C.O.D. returns will be accepted. Please  call or email prior to returning to obtain authorized shipping information. No credit will be issued for unauthorized returns. Please ship your returned package via a tracking ship method to:

CUNA/BrightKey
1780A Crossroads Drive
Odenton, MD 21113

Please enclose a copy of the original packing slip with the return, indicating on the reverse of the packing slip the reason for the return. If you do not have the original packing slip, please include something with your order number noted. If the merchandise was shipped to you in error or arrived damaged or defective, we will issue a call tag for the item to be picked up at no cost to you.

Custom Products. A proof will be provided to you within 48-72 hours of receiving the request. After you have approved the proof in writing, your order will then be shipped within 10-12 business days. Custom orders cannot be returned unless damaged or defective. Custom orders can have an over run or an under run of 5-10%. You agree to pay for actual quantities.

Interactive Products and Services. Certain products and services are interactive. By participating, you agree that you will comply with the rules and etiquette we have established which are noted below.

 
Rules & Etiquette for Interactive Products and Services and CUNA Digital and Web Properties, including, Communities
  • CUNA is not responsible for the opinions and information posted on its sites by others.
  • Don't challenge or attack others. The discussions and comments are meant to stimulate conversation not to create contention.
  • Don't post commercial messages on any discussion list, resource library entry, or other area.
  • Use caution when discussing products. Information posted on the lists and in the libraries is available for all to see, and your comments are subject to libel, slander, and antitrust laws.
  • All defamatory, abusive, profane, threatening, offensive, or illegal materials are strictly prohibited.
  • Remember that other participants may have the right to reproduce postings to this site.
  • Post your message or documents only to the most appropriate lists or libraries. Do not spam several lists or libraries with the same message.
  • All messages must add to the body of knowledge. We reserve the right to reject or remove any message for any reason.
  • You may not post, forward, transmit or make available any content that infringes any patent, trademark, trade secret, copyright or any other proprietary right of any party without the permission of the owner. By posting material, the posting party warrants and represents that he or she owns the intellectual property rights with respect to such material or has received permission from the owner. In addition, the posting party grants CUNA and users of this site the perpetual, royalty-free, nonexclusive right and license to display, copy, publish, distribute, transmit, print, and use such information.
  • You may not post, forward, transmit or make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.
  • Messages may not be posted if they encourage or facilitate members to arrive at any agreement that either expressly or impliedly leads to price fixing, a boycott of another's business, or other conduct intended to illegally restrict free trade. Messages that encourage or facilitate an agreement about the following subjects are prohibited: prices, discounts, or terms or conditions of sale; salaries; profits, profit margins, or cost data; market shares, sales territories, or markets; allocation of customers or territories; or selection, rejection, or termination of customers or suppliers. See CUNA’s Antitrust Policy for further information.
Antitrust Policy & Guidelines

It is the policy of CUNA to comply strictly with all Antitrust Laws that relate to the conduct of its activities. CUNA, League and credit union representatives involved in CUNA activities should familiarize themselves with the CUNA Antitrust Compliance Program, and, when participating in CUNA sponsored meetings and activities, act in accordance with the Program. Counsel should be consulted in all cases involving specific situations for interpretations or advice if any participant has questions as to antitrust obligations and a CUNA staff member or counsel should attend all meetings in which issues with antitrust implications are expected to be discussed.

These Guidelines are intended to promote compliance with the Antitrust Laws, not to create duties or obligations beyond what the Antitrust Laws actually require. CUNA, League and credit union representatives involved in CUNA activities, should be aware that these Guidelines cannot address every potential area of antitrust concern. In the event of inconsistency between these Guidelines and the Antitrust Laws, the Antitrust Laws shall control.

The activities of CUNA shall not be conducted in a manner so as to restrain competition or to harm its members or consumers.

Neither CUNA nor any of its meetings, committees or activities shall be used for the purpose of bringing about or attempting to bring about any understanding or agreement with regard to credit union prices, products, services, fields of membership, members, credit terms or any other information that may be used for anticompetitive purposes. However, nothing in these guidelines shall be construed to prohibit or restrict CUNA or those participating in its activities from reaching understandings or agreements on these subjects to the extent that such agreements pertain to legislative or regulatory advocacy on behalf of credit unions or the collection and sharing of data and information about credit union operations and activities.

Under the Antitrust Laws, certain activities and practices have been found by the courts to constitute “per se” violations of the Antitrust Laws. Per se violations have traditionally included agreements among competitors that have the purpose and effect of “fixing prices,” “allocating territories,” or “boycotting third parties.” “Price fixing” includes agreements to control factors that directly or indirectly affect price, such as establishing or setting uniform discounts, credit or warranty terms, or agreeing on matters relating to costs, especially when those costs account for a substantial percentage of the final price.

No activity or communication of CUNA, League or credit union representatives, in connection with their participation in a CUNA activity, shall include any discussion or statement which could reasonably be construed as an agreement or understanding to refrain, or to encourage credit unions to refrain, from purchasing any materials, products, equipment, services or other supplies from any vendor or from dealing with any vendor.

No activity or communication of CUNA, League or credit union representatives, in connection with their participation in a CUNA activity, shall include any discussion which could reasonably be construed as an attempt to prevent any person or business entity from gaining access to any credit union market for goods and services, or to prevent any credit union from obtaining a supply of goods or services or otherwise purchasing goods or services freely in the market. This does not prohibit a credit union or League or CUNA from disclosing and asserting its intellectual property rights.

Each CUNA, League and credit union representative shall use their best reasonable efforts to comply in all respects with the Antitrust Laws when acting as a CUNA representative or attending a CUNA sponsored activity.