Calculator Terms & Conditions

Firefighters Community Credit Union (“FFCCU,” “we” or “us”) provides this website (in these terms we call this site and any successor websites, and any software provided by FFCCU for use with the site, the “Site”) to you subject to these terms and conditions of use (“Terms” or “Agreement”). Please read these Terms carefully before using the Site. By accessing, using, or by merely browsing the Site you agree to be legally bound by these Terms and all terms, policies and guidelines incorporated by reference in these Terms. If you do not agree with these Terms in their entirety, you may not use the Site. In these Terms, our members and any person to whom members give access to their FFCCU account are called “Subscribers.” FFCCU members offering services via the Site are called “Providers” and individuals who participate in services via the Site are called “Entrants.” In these Terms users of the Site, whether they are Subscribers, Providers, Entrants, members of the FFCCU forum, people who post comments on the FFCCU blog, or casual browsers of the Site, are called “Users.” This Site is not intended to be used by children. Users must be at least thirteen (13) years of age to use this Site. Subscribers and Users must be at least eighteen (18) years of age to create an FFCCU account. FFCCU reserves the right to change or modify any of the terms and conditions contained in these Terms, or any policy or guideline of the Site, at any time and in its sole discretion.

1. Terms of Use
PLEASE READ THESE TERMS OF USE (“Terms of Use” or “Terms”) CAREFULLY. BY MAKING USE OF ANY FFCCU CONTENT (DEFINED BELOW), YOU AGREE TO BE BOUND BY THESE TERMS. THESE TERMS ARE SUBJECT TO CHANGE. IF YOU IF YOU DO NOT AGREE WITH THESE TERMS, PLEASE DO NOT USE OR ACCESS FFCCU CONTENT.

2. General
FFCCU, Inc. (“FFCCU”) provides through its website (www.ffcommunity.com) and through the websites, applications, and other channels belonging to licensees of our product (“Licensee”), certain content which may include but is not limited to: calculators, product information, functionality, text, and information relating to personal finance (collectively, “FFCCU Content”).

THE ACCURACY OF THIS FFCCU CONTENT AND ITS APPLICABILITY TO YOUR CIRCUMSTANCES IS NOT GUARANTEED. Use of FFCCU Content is entirely at your own risk and it is your sole responsibility to evaluate the accuracy, completeness, and usefulness of all FFCCU Content.

This content is intended to provide general information and shouldn’t be considered legal, tax or financial advice. Consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.

3. Warranty Disclaimer
THE SITE, THE CONTENT AND THE SERVICES PROVIDED BY THE SITE ARE PROVIDED TO YOU ON AN “AS IS” BASIS WITHOUT WARRANTIES FROM FFCCU OF ANY KIND, EITHER EXPRESS OR IMPLIED. FFCCU EXPRESSLY DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. FFCCU DOES NOT REPRESENT OR WARRANT THAT CONTENT IS ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE, AND EXPRESSLY DISCLAIMS ANY WARRANTY OR REPRESENTATION AS TO THE ACCURACY OR PROPRIETARY CHARACTER OF THE SITE, THE CONTENT OR ANY PORTION THEREOF. While FFCCU attempts to make your access to and use of the Site safe, FFCCU does not represent or warrant that the Site or any Content are free of viruses or other harmful components.

4. Limitation of Liability; Indemnity
YOU WAIVE AND SHALL NOT ASSERT ANY CLAIMS OR ALLEGATIONS OF ANY NATURE WHATSOEVER AGAINST FFCCU, ITS AFFILIATES OR SUBSIDIARIES, THEIR SPONSORS, CONTRACTORS, ADVERTISERS, VENDORS OR OTHER PARTNERS, ANY OF THEIR SUCCESSORS OR ASSIGNS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS OR EMPLOYEES (COLLECTIVELY, THE “RELEASED PARTIES”) ARISING OUT OF OR IN ANY WAY RELATING TO YOUR USE OF THE SITE OR THE CONTENT, INCLUDING, WITHOUT LIMITATION, ANY CLAIMS OR ALLEGATIONS RELATING TO THE ALLEGED INFRINGEMENT OF PROPRIETARY RIGHTS, ALLEGED INACCURACY OF CONTENT, OR ALLEGATIONS THAT ANY RELEASED PARTY HAS OR SHOULD INDEMNIFY, DEFEND OR HOLD HARMLESS YOU OR ANY THIRD-PARTY FROM ANY CLAIM OR ALLEGATION ARISING FROM YOUR USE OR OTHER EXPLOITATION OF THE SITE. YOU USE THE SITE AT YOUR OWN RISK. Without limitation of the foregoing, neither FFCCU nor any other Released Party shall be liable for any direct, special, indirect or consequential damages, or any other damages of any kind, including but not limited to loss of use, loss of profits or loss of data, whether in an action in contract, tort (including but not limited to negligence) or otherwise, arising out of or in any way connected with the use of the Site or the Content, including without limitation any damages caused by or resulting from your reliance on the Site or other information obtained from FFCCU or any other Released Party or accessible via the Site, or that result from mistakes, errors, omissions, interruptions, deletion of files or email, defects, viruses, delays in operation or transmission or any failure of performance, whether or not resulting from acts of god, communications failure, theft, destruction or unauthorized access to FFCCU or any other Released Party’s records, programs or Services. In no event shall the aggregate liability of FFCCU, whether in contract, warranty, tort (including negligence, whether active, passive or imputed), product liability, strict liability or other theory, arising out of or relating to the use of the Site exceed any compensation paid by you for access to or use of the Site during the three months prior to the date of any claim.

5. Governing Law
This agreement shall for all purposes be governed, interpreted, construed and enforced in accordance with the laws of the State of Ohio, USA. You hereby agree that the courts located in Cleveland, Ohio, USA shall constitute the sole and exclusive forum for the resolution of any and all disputes arising out of the use of FFCCU Content and you hereby consent to the jurisdiction of such courts and irrevocably waive any objections thereto. Regardless of where you access FFCCU Content, you agree to comply with all applicable laws of the United States of America, including those regarding the export of data. You are also responsible for complying with all other laws, rules and regulations that may be applicable to your use of the FFCCU Content.

6. Electronic Communication and E-sign Consent

We can only give you the benefits of our Services by conducting business through the Internet, and therefore we need you to consent to our giving you Communications electronically. We may also need to provide you with certain communications and disclosures in writing. Your agreement to this Electronic Communications and E-Sign Consent confirms your ability and consent to receive all terms and conditions, agreements, notices, documents, disclosures, and other communications (“Communications”) electronically from us.

You hereby: (i) consent to receive Communications from us in electronic form, including by making them available on the Site or via email including a link provided in an email; and (ii) agree that Communications that we provide to you electronically satisfy any legal requirement that such Communications would satisfy if they were in writing and (iii) you understand that you are responsible for any costs associated with accessing electronic documents, such as internet service fees, phone charges, and printing costs.

To access and retain the Communications, you will need the following:

You have the right to receive Communications in paper form. To request a paper copy of any Communication at no charge, please write to:

Firefighters Community Credit Union
Attn: Compliance
4664 E. 71st Street
Cuyahoga Heights, OH 44125

specifying in detail the Communication you would like to receive. Requesting a paper copy of any Communication will not be treated as withdrawal of consent to receive electronic Communications.

Your consent to receive Communications and do business electronically, and our agreement to do so, applies to all of your interactions and transactions with us. The foregoing does not affect your non-waivable rights. You may also receive a copy of the Agreement by accessing this Site or the App. You may withdraw your consent to receive Communications electronically by contacting us in the manner described below. If you withdraw your consent, from that time forward, you must stop using the Site, Apps, and Services. The withdrawal of your consent will not affect the legal validity and enforceability of any obligations or any electronic Communications provided or business transacted between us prior to the time you withdraw your consent. Please keep us informed of any changes in your email or mailing address so that you continue to receive all Communications without interruption.

7. Miscellaneous
FFCCU may deny you access to all or part of this service without notice if you engage in any conduct or activities that FFCCU believes in its sole and absolute discretion violates applicable law or any of these Terms of Use.

If any portion of these Terms of Use are held to be unenforceable, the unenforceable portion shall be construed in accordance with applicable laws as nearly as possible to reflect the original intentions of FFCCU and the remainder of the provisions shall remain in full force and effect.

FFCCU’s failure to insist upon or enforce strict performance of any provision of the Terms of Use shall not be construed as a waiver of any provision or right. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Terms of Use.