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Privacy Statement

CALLAHAN & ASSOCIATES is committed to protecting the personal privacy of CreditUnions.com and CreditUnions.com+ users. We will never ask you to share personal information. If you receive an email that claims to be from CreditUnions.com and asks you to share account numbers, Social Security numbers, passwords, or other personal information, please report it to us immediately.

We do not sell or distribute nonpublic information, including private email addresses, to any third party.

CreditUnions.com site registrants and newsletter recipients are required to provide basic contact information. To unsubscribe from CreditUnions.com communications, users can send a request to unsubscribe@creditunions.com or follow the unsubscribe process contained in CreditUnions.com emails.

CreditUnions.com uses cookies and logs Internet Protocol (IP) addresses to monitor broad statistical usage trends and track shopping cart transactions. We use cookies to provide navigational conveniences such as saving passwords. We also use cookies to evaluate the usefulness and popularity of certain sections of CreditUnions.com.

Some sections of CreditUnions.com include public forums, message boards, employment listings, user generated content, and other information available to all users of the site. Any information that users disclose in these areas is disclosed to the entire user audience and thus becomes public information. CALLAHAN & ASSOCIATES is not responsible for the manner in which others use the information posted in these areas.

In an effort to provide robust credit union information, CreditUnions.com and CreditUnions.com+ provides links to other web sites. CALLAHAN & ASSOCIATES is not responsible for the privacy practices or content of these sites.

The CreditUnions.com shopping cart is secured using Level 1 PCI Compliant web hosting and shopping cart software and a 128 bit encryption SSL certificate. Credit card orders are processed only through the Authorize.Net secure network. CALLAHAN & ASSOCIATES does not record credit card numbers in its databases. 

Terms Of Use

Please carefully read the Terms of Use and Privacy Policy before accessing CreditUnions.com or CreditUnions.com+. By using either entity, you agree to be bound by the Terms of Use and Privacy Policy. If you do not agree to abide by the Terms of Use and Privacy Policy, please exit CreditUnions.com or CreditUnions.com+ and do not use its services. Your continued usage is your express consent to abide by all terms.

CALLAHAN & ASSOCIATES reserves the right to modify, add, or delete portions of these terms at our own discretion. If we choose to do so, we will notify users via email. Modifications, additions, and deletions are effective immediately upon notification. Please check the Terms of Use and Privacy Policy to stay up-to-date on the user agreement. Your continued usage of CreditUnions.com and CreditUnions.com+ after notification is your express consent to abide by the updated terms.

All rights not expressly granted in these Terms of Use are reserved to CALLAHAN & ASSOCIATES.

Through the Contact Us page, reader comment section, CreditUnions.com press center, and other CreditUnions.com vehicles, users may submit comments, messages, and story ideas or make recommendations. Such User Generated Content may be routed through CALLAHAN & ASSOCIATES servers, the servers of one or more third parties on our behalf, and the Internet. It may be viewed by CALLAHAN & ASSOCIATES staff and the general public. By using such vehicles, you acknowledge content is for public and not private communications.

CALLAHAN & ASSOCIATES reserves the right to screen, refuse to post, or remove User Generated Content at any time and at our sole discretion without prior notice, although we have no duty to do so. If we screen User Generated Content, there might be a delay in posting as we review. If we have questions regarding your User Generated Content, we have the right but not the duty to contact you.

You retain ownership of User Generated Content; however, by submitting it you grant CALLAHAN & ASSOCIATES a perpetual, royalty-free license to reproduce, distribute, republish, transmit, display, create derivative works of, cache, tag, or adapt your User Generated Content in any and all media formats or channels now and in the future. You further grant CALLAHAN & ASSOCIATIONS the right to contact you in connection with your User Generated Content and to use your name or other information you have provided in connection with your User Generated Content.

Users may submit User Generated Content only for which they have the appropriate copyright or other necessary rights and permission to distribute.

Users are solely responsible for User Generated Content submitted under the user’s account. CALLAHAN & ASSOCIATES does not review all User Generated Content and is not responsible or liable for any User Generated Content submitted by users or third parties.

Users must be 18 or older to register for and participate on CreditUnions.com and CreditUnions.com+, to submit any User Generated Content, or to submit personally identifying information.

Users may not submit User Generated Content anonymously or under a false name or email address. Users may not impersonate another user or provide false information about themselves.

Users may not submit User Generated Content or links to material that is libelous, defamatory, false, violent, abusive, threatening, harassing, discriminatory, in violation of the law, in violation of third party privacy rights, or that constitutes hate speech or a personal attack. 

Users may not submit material that contains a virus, worm, or harmful computer code, files, scripts, agents, programs, or device. Users may not use CreditUnions.com or CreditUnions.com+ to distribute mass mailings, spam, or other unsolicited messages.

Users may not interfere with or disrupt the integrity of performance of CALLAHAN & ASSOCIATES or use its services in any way that degrades its reliability, speed, operation, or its underlying hardware or software. Users may not attempt to gain unauthorized access to CALLAHAN & ASSOCIATES and its related systems or networks.

Use of CreditUnions.com and CreditUnions.com+ is entirely at the user’s own risk.

Copyrights

CreditUnions.com and CreditUnions.com+ contains original material including, but not limited to, written features as well as credit union performance data. To provide a robust perspective of the credit union industry, CreditUnions.com+ offers access to Really Simple Syndication (RSS) feeds from industry organizations and news outlets.

Original content from CreditUnions.com is the sole property of CALLAHAN & ASSOCIATES. Users may not reproduce, distribute, republish, transmit, display, prepare derivative works of, sell, transfer, assign, license, commercially repurpose, or otherwise communicate any material from CreditUnions.com without express written consent from CALLAHAN & ASSOCIATES. Send permission requests to editor@creditunions.com.

No quotes from CreditUnions.com may be used without the express consent of CALLAHAN & ASSOCIATES.

To use material other than that generated by CALLAHAN & ASSOCIATES, users must contact authorities at the appropriate organization and outlet. 

CALLAHAN & ASSOCIATES does not allow framing of CreditUnions.com or any of its media suite.

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