Terms of Use

Welcome to the website of COLORADO FEDERAL SAVINGS BANK. Your access to and use of the Website is subject to the following terms and conditions and all applicable laws.

Acceptance of the Terms of Use

The following terms and conditions (these “Terms of Use”), govern your access to and use of the COLORADO FEDERAL SAVINGS BANK website, including any content, functionality and services offered on or through the COLORADO FEDERAL SAVINGS BANK website (the “Website”) whether as a guest or a registered user.

Please read the Terms of Use carefully before you start to use the Website. By using the Website, you accept, without limitation or qualification, and agree to be bound and abide by these Terms of Use and our Privacy Policy (as set forth in the U.S. Consumer Privacy Notice which is found at https://www.coloradofederalbank.com/Privacy.aspx and incorporated herein by this reference). If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website. By accessing and browsing this site, you accept the Terms of Use and acknowledge that the terms of any other agreements between you and COLORADO FEDERAL SAVINGS BANK that are contrary to these Terms of Use are superseded and of no force or effect.

Accessing the Website and Account Security

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

You are responsible for making all arrangements necessary for you to have access to the Website and ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them. To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current and complete. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Privacy Policy ( https://www.coloradofederalbank.com/Privacy.aspx ), and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

Reliance on Information Posted

The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

Your use of and browsing in the Website are at your risk. Neither COLORADO FEDERAL SAVINGS BANK or any of its agencies, nor any other party involved in creating, producing, or delivering the Website is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of the Website. WITHOUT LIMITING THE FOREGOING, EVERYTHING ON THE Website IS PROVIDED TO YOU "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. COLORADO FEDERAL SAVINGS BANK also assumes no responsibility, and shall not be liable for, any damages to, or viruses, or other harmful components that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Website or your downloading of any materials, data, text, images, video, or audio from the Website. Please note that some jurisdictions may not allow the exclusion of implied warranties or the limitation of liability, so some of the above exclusions or limitations may not apply to you.

Any communication or material you transmit to the Website by electronic mail or otherwise, including any data, questions, comments, suggestions or the like is, and will be treated as, non-confidential and nonproprietary, unless otherwise specifically indicated on our Privacy Policy. Anything you transmit becomes the property of COLORADO FEDERAL SAVINGS BANK, and may be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, COLORADO FEDERAL SAVINGS BANK is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Website for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products using such information. 

[COLORADO FEDERAL SAVINGS BANK assumes no liability for any action or inaction regarding transmissions, communications or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section. – AVS TO EVALUATE CLAUSE]

No Warranties or Representations

While COLORADO FEDERAL SAVINGS BANK uses reasonable efforts to include accurate and up-to-date information in the Website, COLORADO FEDERAL SAVINGS BANK makes no warranties or representations as to its accuracy. COLORADO FEDERAL SAVINGS BANK assumes no liability or responsibility for any errors or omissions in the content of the site. Calculations may not match actual mortgage figures due to rounding procedures, mortgage insurance, and other finance charges.

Intellectual Property Rights

The Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by COLORADO FEDERAL SAVINGS BANK, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.   These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website. If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by COLORADO FEDERAL SAVINGS BANK. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.

Trademarks

Images of people or places displayed on the Website are either the property of, or used with permission by COLORADO FEDERAL SAVINGS BANK. The use of these images by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

  The trademarks, logos, and service marks (collectively the "trademarks") displayed on the Website are registered and unregistered trademarks of COLORADO FEDERAL SAVINGS BANK. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Website without the written permission of COLORADO FEDERAL SAVINGS BANK or such third party that may own the trademarks displayed on the Website. Your use of the trademarks displayed on the Website, or any other content on the Website, except as provided in these terms and conditions, is strictly prohibited. You are also advised that COLORADO FEDERAL SAVINGS BANK will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

Prohibited Uses 

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website in any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries). You also agree not to use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website or otherwise attempt to interfere with the proper working of the Website.

Monitoring and Enforcement; Termination

COLORADO FEDERAL SAVINGS BANK has the right to take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website or terminate or suspend your access to all or part of the Website for (any or no reason, including without limitation,) any violation of these Terms of Use.

Governing Law

These Terms of Use and your use of this Website shall be governed by the laws of the State of Colorado exclusive of conflicts of laws principles. Venue for any action relating to this Website or these Terms of Use shall be located in Denver, Colorado. These Terms of Use are the entire agreement between you and COLORADO FEDERAL SAVINGS BANK concerning your use of this Website. If any provision of these Terms of Use is held invalid or unenforceable, the remaining provisions will remain in effect.