Effective Date: 09-01-2024

Welcome to the Sentinel Federal Credit Union (“we,” “us,” or “our”) website located at www.sentinelfcu.org (“Website”). By accessing or using our Website, you agree to be bound by these Terms and Conditions (“Terms”). Please read them carefully.

1. Acceptance of Terms

By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree to these Terms, please do not use our Website.

2. Eligibility

This Website is intended for use by individuals who are at least 18 years old and reside in the United States. By using this Website, you represent and warrant that you meet these eligibility requirements.

3. Account Security

If you create an account on our Website, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

4. Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding your personal information.

5. Electronic Communications

By using our Website or sending us emails, you consent to receive electronic communications from us. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirements that such communications be in writing.

6. Intellectual Property Rights

All content on this Website, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of Sentinel Federal Credit Union or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

7. Prohibited Activities

You agree not to:

• Use the Website for any unlawful purpose or in violation of any local, state, national, or international law.
• Attempt to gain unauthorized access to any portion of the Website or any other systems or networks connected to the Website.
• Use any device, software, or routine to interfere with the proper working of the Website.
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Use any robot, spider, or other automatic device to access the Website for any purpose without our express written permission.

8. Third-Party Links

Our Website may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the content of these sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

9. Disclaimers and Limitation of Liability

• Disclaimer of Warranties: The Website is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the Website’s operation or the information, content, or materials included on the Website.
• Limitation of Liability: In no event shall Sentinel Federal Credit Union, its directors, officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Website.

10. Indemnification

You agree to indemnify, defend, and hold harmless Sentinel Federal Credit Union and its affiliates from any claims, liabilities, damages, losses, or expenses, including reasonable attorneys’ fees, arising out of or connected with your use of the Website or violation of these Terms.

11. Modifications to Terms

We reserve the right to modify or update these Terms at any time without prior notice. All changes are effective immediately upon posting on the Website. Your continued use of the Website following the posting of revised Terms constitutes your acceptance of the changes.

12. Governing Law

These Terms and your use of the Website are governed by and construed in accordance with the laws of the State of South Dakota and applicable federal laws, without giving effect to any choice or conflict of law provision.

13. Contact Information

If you have any questions or concerns about these Terms, please contact us:

Sentinel Credit Union
PO Box 700
Box Elder SD 57719
Phone: (605) 923-1405
Email: service@sentinelfcu.org

14. Compliance with Regulations

We comply with all applicable federal and state regulations, including the Electronic Fund Transfer Act (EFTA), the Truth in Savings Act (TISA), and other relevant financial laws.

15. Accessibility

We are committed to making our Website accessible to all users in accordance with the Americans with Disabilities Act (ADA). If you experience any difficulty accessing content, please contact us for assistance.

16. Security Measures

We employ reasonable security measures designed to protect your personal information from unauthorized access. However, we cannot guarantee absolute security and are not responsible for any breach of security or actions of third parties.

17. Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Sentinel Federal Credit Union regarding the use of our Website and supersede all prior agreements.

18. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed from the remainder of the Terms, which will remain in full force and effect.

19. Waiver

No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

Effective Date: 09-01-2024

Please ensure that you review these Terms periodically for updates. Your continued use of the Website constitutes your acceptance of any revised Terms.