Terms of Use

Terms of Use

Website Terms of Use

Before using this Website please read these terms and conditions carefully.

We require that all visitors to our Website adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this Website, or any pages therein.

This Website is not specifically directed to children; although portions of our Website may include links that may be of interest to children. We may also advertise special accounts that may be appropriate for children under 13. Parents interested in any of our services directed to children should contact the credit union directly at any of our locations.

We do not knowingly collect names or any other personally identifiable information from children online without parental consent. Children must have parental consent prior to opening an online internet banking account.

Any and all information, materials, product offerings, services, terms, and conditions are subject to change without notice.


Any dated information on this Website is “As Of” its date only. We will use every reasonable effort to include accurate and up to date information on the Website, but we make no warranties or representations as to the accuracy of the information. You may contact Liberty First Credit Union to verify the accuracy of information.

All products and services may not be available in all geographic areas. We reserve the right to determine your eligibility for any product or service

Online Privacy Notice

This Online Privacy Notice (the “Notice”) describes how information is collected by and through websites, mobile applications, and other online interfaces or platforms that are owned, operated, or controlled by Liberty First Credit Union or its affiliated companies (collectively, the “Sites”), including this Site, and how that information may be used and shared. By accessing or using any Site, you confirm your consent and agreement to the terms of this Notice as may be in effect at that time.

For purposes of this Notice, the terms “we”, “us”, and “our” refer to Liberty First Credit Union that owns, operates, or controls the Site that you use, and such terms may also refer to contractors and service providers engaged by the Credit Union to support their business activities, as the context may require.  The terms “you”, “your” and “yours” refer to any person who accesses or uses a Site.

This Notice supplements, but does not replace, the general Website Terms of Use for the use of this Site. In the event of a conflict between the terms of this Notice and the terms of the general Website Terms of Use, the terms of this Notice will govern and control with respect to the matters addressed in this Notice. Certain sites may have separate privacy notices or terms and conditions that are specific to those Sites, and when you use or access those sites those separate privacy notices or terms and conditions will apply and will control with respect to the matters addressed therein in the event of a conflict with the terms of this Notice.

With regard to persons who use or obtain our products and services for their own personal, family, or household purposes, this Notice also supplements, but does not replace, and should be read in conjunction with the ABC Federal Credit Union Privacy Notice. To the extent that any information at issue is “nonpublic personal information” as defined by Title V of the Gramm-Leach-Bliley Act (Public Law No. 106-102) and applicable related regulations, the ABC Federal Credit Union Privacy Notice will apply and control in the event of a conflict with the terms of this Notice, subject to the requirements and provisions of applicable law.

Website Content and Links to Other Websites

Liberty First Credit Union maintains this Website to provide you with information about our products and services. We also provide links to our related companies, various merchants, and other financial service providers that may be of interest to you. The links to other merchants and financial service providers in this Website are provided for your convenience and may assist you in locating other useful information on the Internet. These external, third party Websites are not under the control of Liberty First Credit Union.

Liberty First Credit Union does not endorse, approve, certify, or control external third party Websites, nor do we guarantee the accuracy, completeness, or timeliness of the information contained on third party Websites. The products and services offered by external third parties are not products Liberty First Credit Union and are not insured by any governmental agency such as the NCUA.

Investment Products

Securities (including mutual funds and annuities) offered through this Website or external third parties:

  • Are not financial institution deposits.
  • Are not FDIC insured.
  • Are not obligations of or guaranteed by Liberty First Credit Union

Securities involve investment risks, including the possible loss of some or the entire principal amount invested.

Information We Collect Through Our Sites

Personal information collected through our Sites includes information you provide directly when completing forms or transacting with us, such as your name, your home address, your email address, your telephone number, your social security number, your account number, or transaction information. We also collect information that you do not provide directly, such as information about your device (including, but not limited to, behavioral biometrics relating to your use of your device for identity verification, fraud avoidance, and security purposes) or internet browser, information obtained from cookies that have been placed on your device or internet browser at our Sites or at other websites you have visited, demographic information, aggregated information, blind information about how you use our products and services and about the transactions you perform using our products and services, and other information obtained through your access to or use of a Site. We may supplement the information we collect from you with information we receive about you from other sources.

Any communication or material you transmit to us via the Website or electronic mail will be considered confidential and may be used only by Liberty First Credit Union for the purposes described in our privacy statement. All information submitted to our Website shall be considered and remain the property of Liberty First Credit Union; this information will only be used internally or as allowed by law. If you need to send us an email with personal or confidential information, you should use the secure mail feature within our Online Banking Service.

Merchants and other third parties on our Website may collect personal information when you visit their Websites or when you purchase their products. You should review the privacy policies of these third parties prior to the use of their Websites and the purchase of their products and services. Their privacy and security policies may differ from those of Liberty First Credit Union.

How We Collect, Use, and Share Personal Information You Provide to Us Directly

We collect personal information when you use our Sites to apply for, obtain, or use our products and services, to make inquiries about our products and services, or to provide information and feedback about our products and services. In connection with your use of our Sites, products, and services, we may ask for, and you may provide, personal information in forms, surveys, applications, and online fields, or you may authorize us to collect personal information from third party sources. We may use personal information and share it with our service providers:

  • To respond to your inquiries and requests, and to send you notifications.
  • To send administrative information to you, such as information regarding the Site and changes to our terms, conditions and policies.
  • To complete and fulfill your applications for our products and services and to deliver and perform such products and services, to execute inquiries and transactions you have requested, to communicate with you regarding products and services you have obtained from us, and to provide you with related customer service.
  • To verify your identity or location for security purposes.
  • To send you marketing communications that we believe may be of interest to you and otherwise for advertising and sales purposes, whether online or through offline channels like branches, call centers, and direct marketing (for example email, mail, and phone).
  • To personalize your experience on the Site by presenting products and offers tailored to you.
  • As you agree, authorize, or consent in agreements, terms, and conditions you agree to or accept in connection with products and services you obtain from us.
  • For our business purposes, including (but not limited to) such purposes as (i) data analysis, (ii) audits, (iii) fraud monitoring and prevention, (iv) new product development, (v) enhancing, improving or modifying our products and services, (vi) identifying usage trends, (vii) determining the effectiveness of our promotional campaigns, and (viii) operating and expanding our business activities.
  • As we believe to be necessary or appropriate (i) under applicable law, (ii) to comply with legal process and otherwise to comply with applicable laws, rules, and regulations, (iii) to respond to lawful requests from public and government authorities, (iv) to enforce our terms and conditions, (v) to protect our operations or those of any of our affiliates, (vi) to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others, and (vii) to allow us to pursue available remedies or limit the damages that we may sustain.

For additional information about how we collect, use, share, and protect personal information about our consumer customers, and for information about the choices you may have, please review the Liberty First Credit Union Privacy Notice.

How We Collect, Use, and Share Personal Information You Provide to Us Directly

We may collect information you do not provide to us directly:

  • Through or from your device or browser or cookies that have been placed on your browser. Certain information is collected by most browsers, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system version and internet browser type and version. We use this information to ensure that the Sites function properly and to maintain security.
  • Using pixel tags and similar technologies. Pixel tags (also known as web beacons and clear GIFs) may be used in connection with some Site pages and HTML-formatted email messages in order to, among other functions, track the actions of users and email recipients, measure the success of our marketing campaigns and compile statistics about Site use and response rates.
  • Using your IP address. Your IP address is a number that is automatically assigned by your internet service provider to the computer or device that you are using. An IP address is identified and logged automatically in our server log files whenever a user visits a Site, along with the time of the visit and the pages that were visited. We use IP addresses for purposes such as calculating Site usage levels, helping diagnose server problems, and administering the Sites.
  • Using geolocation and other location information transmitted by your device, if you have enabled location services on the device, and using behavioral biometrics relating to your use of your device for identity verification, fraud avoidance, and security purposes

We may use, disclose, and share information you do not provide to us directly as described in this Notice (including using and sharing such information with our service providers for the purpose of sending you marketing communications that we believe may be of interest to you and otherwise for advertising and sales purposes, whether online or through offline channels like branches, call centers, and direct marketing (for example, email, mail, and phone)) or as otherwise permitted or required by applicable law.

Google Analytics

How do we use Google Analytics? We use Google Analytics to better understand how users are visiting and using our Sites. We do not use Google Analytics to track, collect or upload any data that personally identifies an individual (such as name, address, or email address) or other data which can be reasonably linked to such information by Google. We do not receive personally identifiable information about users on our Sites. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at https://policies.google.com/technologies/partner-sites.

Cookies

We use cookies to provide you with a better online experience. A cookie is a small text file that can be placed on your system when you visit a website. Cookies allow us to collect information such as browser type, time spent on a website, pages visited, language preferences, and information about your relationships with us. Cookies also allow us to facilitate image changes, collect anonymous aggregate website traffic, provide certain discount, promotional and reward programs to you, and personalize our services to your needs. Our Sites do not require users to accept cookies, and you can set your browser to notify you when you receive a cookie, giving you the opportunity to decide whether or not to accept it. If you choose not to accept cookies, you may experience some reduction in functionality depending on which Site you are using. You also may need to accept cookies in order to maintain certain online advertising opt-out elections (see “Use of Information for Advertising; Online Behavioral Advertising” section below).

Social Media

We may from time to time use social media websites and applications (e.g., Facebook®, Twitter®, YouTube®, Instagram, TiKTok, and LinkedIn®) to interact with you and to communicate information about us and about our products and services. We may collect information from our interactions with you at such social media websites and applications, and we may use the information for the purposes and uses described in this Notice. If we disclose any terms of use at specific social media pages that we manage, you also will be subject to those terms when you interact with those pages. The owners and operators of social media websites and applications may impose their own terms of use and privacy policies with respect to the use of their websites and applications. This Notice does not govern the use, handling, and treatment of content you may post at social media websites and applications by the owners and operators of those websites and applications. You should review the terms of use and privacy policies of any social media website or application that you use to make sure you understand your rights and obligations with regard to content that you post.

Copyright Notices

Liberty First Credit Union owns copyright in the pages, screens, text, sound recordings, and images appearing at this Website unless otherwise indicated.

Limitation of Liability

Because of the possibility of human, mechanical, and computer related errors as well as other factors, Liberty First Credit Union is not responsible for any errors in or omissions from the information contained in or accessed through this Website. All such information is provided “AS IS” to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property or fitness for any particular purpose.

Liberty First Credit Union is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their computers and diskettes using a reliable virus detection product to detect and remove any viruses. Liberty First Credit Union will not be liable for any delay, difficulty in use, inaccuracy of information, malicious code, or other defect in this Website, or for the incompatibility between this Website and files in your browser or other Website accessing program. Nor will Liberty First Credit Union be liable for any other problems you experience due to causes beyond our control.

Hyperlinks to other Internet resources are at your own risk. The content, accuracy, opinions expressed, and other links provided by these resources are not investigated, monitored, or endorsed by Liberty First Credit Union or Q2.

No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and Liberty First Credit Union. Liberty First Credit Union will under no circumstances be liable to you and/or any third party for any lost profits or lost opportunity, or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this Website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if financial institution has been advised of the possibility of such damages.

Liberty First Credit Union uses commercially reasonable administrative, technical, and physical security measures to protect personal information collected through the Sites. These measures include computer safeguards and secured files and buildings. In the event we share information with third party service providers or joint marketers, we restrict the ability of such parties to use or disclose the information we furnish. We also require such parties to apply appropriate security measures to protect information. We retain your information for as long as needed: (i) to conduct business with you; (ii) as needed for the purposes outlined in this Notice or at the time of collection; or (iii) as necessary to comply with our legal obligations, resolve disputes, and enforce any agreements.  For more information, please review the Liberty First Credit Union Privacy Notice. Unfortunately, no data transmission or storage system can be guaranteed to be absolutely secure, and we disclaim any representation or warranty that our information security systems or those of our service providers and joint marketers are invulnerable to breach or compromise.

Governing Law

This agreement shall be governed by and construed in accordance with federal statutes and the laws of the state of Nebraska in which Liberty First Credit Union has its headquarters.

Changes to this Notice

We may change our privacy practices and amend this Notice in our discretion. Any changes or amendments we make will be effective when we post them at the applicable Site, unless we expressly provide a different effective date. You agree that the posting of such changes or amendments at the applicable Site shall constitute effective notice thereof to you. You agree to review the Notice periodically to ensure that you are familiar with the current terms of this Notice. You acknowledge and agree that any changes we make are binding on you as of the effective date we dictate, but in any event your use of the applicable Site on or after the effective date constitutes your affirmative acceptance of such changes. The effective date set forth at the beginning of this Notice indicates when this Notice was last changed. If our changes or amendments to this Notice are material, we will notify you in accordance with applicable law.

Questions About This Notice

If you have questions about this Notice, please call us at 1-402-465-1000 or visit our Contact Us page for more information.

Effective September 28, 2022

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