Use of this Site constitutes agreement with the following terms and conditions.

OTS Employees Federal Credit Union maintains this web site as a courtesy to those who may choose to access this web site. The information presented herein is for informative purposes only. OTS Employees Federal Credit Union is pleased to allow users to visit the site and download and copy the information, documents and materials from this web site for use subject to the terms and conditions outlined below, and also subject to more specific restrictions that may apply to specific information within this site.

Unless expressly stated otherwise, the findings interpretations and conclusions expressed this web site are those of the various authors of the work and are not necessarily those of OTS Employees Federal Credit Union.

Condition of Use
Information is obtained from sources believed to be reliable. OTS Employees Federal Credit Union does not warrant its completeness or accuracy of the information contained on our web site. The information may be subject to change at anytime without notice.

Any person wishing to obtain further clarification should do so only with a formal consultation with relevant authorities. Under no circumstances shall OTS Employees Federal Credit Union be liable for any loss, damage, liability or expense incurred or suffered which is claimed to resulted from use of this web site, including without limitation, any fault, error, omission, interruption or delay with respect thereto. Under no circumstances, including, but not limited to, negligence, shall OTS Employees Federal Credit Union be liable for any direct, indirect, incidental, special or consequential damages, even if OTS Employees Federal Credit Union has been advised of the possibility of such damages.

The users of this web site specifically acknowledge and agree that OTS Employees Federal Credit Union is not liable for any conduct of any users.

This web site may contain advice, opinions, and statements of various information providers and content providers. OTS Employees Federal Credit Union does not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information provided by any information provider or content provider, or any user of this site or other person or entity. Reliance upon any such opinion, advice, statement, or other information shall also be at your own risk. Neither OTS Employees Federal Credit Union nor employees shall be liable to any user or anyone else for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any content herein, regardless of cause, for any damages resulting there from.

As a condition of use of this web site, user agrees to indemnify OTS Employees Federal Credit Union from and against any and all actions, claims, losses, damages, liabilities and expenses (including reasonable attorneys' fees) arising out user's use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by user of these terms and conditions. If user is dissatisfied with any material on this web site or with any of terms and conditions of use of this web site, user's sole and exclusive remedy is to discontinue using this web site.

Nothing in this web site or any information shall be construed, implicitly or explicitly, as containing any investment recommendations.

Links and Privacy
This web site may contain links to third-party web sites. The linked sites are not under the control of OTS Employees Federal Credit Union and OTS Employees Federal Credit Union is not responsible for the contents of any linked site or any link contained in a linked site. OTS Employees Federal Credit Union provides these links only as a convenience, and the inclusion of a link does not imply endorsement of the linked site by OTS Employees Federal Credit Union. For an explanation of OTS Employees Federal Credit Union practices related to the collection, use and storage of the user's information, please read our Privacy Statement.

Jurisdiction
Any dispute arising from these terms shall be resolved exclusively in the state and federal courts of the State of Hawaii. If you access this web site from outside the United States, be advised that this web site may contain reference to products and services that are not available or are prohibited in your country.