Terms and Conditions:
GTE Federal Credit Union d/b/a
GTE Financial
Thank you for using GTE Federal Credit Union d/b/a GTE Financial Online Banking combined with your handheld's text messaging capabilities. Message & Data rates may apply. Message frequency varies. One message per request for 2FA and text banking. In case of questions please contact customer service at 813-871-2690 or visit www.gtefinancial.org
GTE Federal Credit Union d/b/a GTE Financial Privacy Policy
https://www.gtefinancial.org/education/privacy-security/privacy-policy
Terms and Conditions
Terms & Conditions: By participating in Online Banking, you are agreeing to the terms and conditions presented here.
Our participating carriers include (but are not limited to) AT&T, Sprint PCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.
Online Banking and any software you may obtain from Online Banking (“Software”) may not be available at any time for any reason outside of the reasonable control of GTE Federal Credit Union d/b/a GTE Financial or any service provider.
Privacy and User Information. You acknowledge that in connection with your use of Online Banking, GTE Federal Credit Union d/b/a GTE Financial and its affiliates and service providers may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Online Banking or the Software (collectively “User Information”). GTE Federal Credit Union d/b/a GTE Financial and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Online Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. GTE Federal Credit Union d/b/a GTE Financial and its affiliates and service providers also reserve the right to monitor use of Online Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.
Restrictions on Use. You agree not to use Online Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Online Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party's intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by GTE Federal Credit Union d/b/a GTE Financial (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of GTE Federal Credit Union d/b/a GTE Financial or any third-party service provider involved in the provision of Online Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose GTE Federal Credit Union d/b/a GTE Financial, any third-party service provider involved in providing Online Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of GTE Federal Credit Union d/b/a GTE Financial or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party's account; or (c) interfere in any manner with the provision of Online Banking or the Software, the security of Online Banking or the Software, or other customers of Online Banking or the Software; or (d) otherwise abuse Online Banking or the Software. You are prohibited from accessing Online Banking or the Software from a mobile device that has been jailbroken, rooted, or that has otherwise had its software, firmware, or hardware modified from its original manufacturer or provider configuration to remove digital rights management or other content or usage restrictions on said mobile device, any use of such a mobile device to access Online Banking or the Software shall constitute a breach of this agreement and shall release GTE Federal Credit Union D/B/A GTE Financial from any and all liability for any losses of any kind caused by your use of Online Banking or the Software.
Use of Google Maps: You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at https://maps.google.com/help/legalnotices_maps.html, or other URLs as may be updated by Google.
Bill Pay & Zelle Terms Of Service.
If you have any questions regarding Bill Pay & Zelle, please read our terms of service:
https://rxp-pod1.checkfreeweb.com/imm/LDD/ViewTermsAndConditions/17046?showPopup=true
GTE Financial Text Banking
Program description: GTE Federal Credit Union d/b/a GTE Financial offers text banking as a service to you. You may retrieve balance information and brief transaction information by texting commands to the GTE Financial Text Banking short code.
Enrollment: You enroll in GTE Financial Text Banking by logging into the GTE Online Banking app, and navigating to the Settings menu, then the Text Banking menu item.
Cancel: You can cancel the SMS service (GTE Financial Text Banking service) at any time. Log into the GTE Online Banking app and navigate to the Settings menu, then the Text Banking menu Item, and click the unsubscribe button. Or text "STOP" to the short code. After you unsubscribe using the GTE Online Banking app or send the SMS message "STOP", we will send you an SMS message to confirm that you have been unsubscribed. After this, GTE Financial text banking will no longer send messages and will be unavailable to you. If you want to use the service, join again. Just sign up as you did the first time and we will start sending SMS messages to you again.
Help: If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at 1.888.871.2690.
Message Delivery: Carriers are not liable for delayed or undelivered messages
As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies with your use of GTE Financial Text Banking. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
Privacy Policy: If you have any questions regarding privacy, please read our privacy policy: https://www.gtefinancial.org/education/privacy-security/privacy-policy
Card Controls Additional Terms.
The following supplemental Terms of Use (“Supplement”) applies to the card controls feature (“Card Controls”) within the Online Banking application (“Online Banking App”), notwithstanding anything in the Agreement to the contrary. The Supplement only applies to Card Controls. If Card Controls are not available to you, then this Supplement does not apply. To the extent there is any conflict between the terms of the Agreement and this Supplement with respect to Card Controls, then the terms in this Supplement shall apply.
The Card Controls feature is only available for debit cards and credit cards issued by GTE Federal Credit Union d/b/a GTE Financial that you register within the Online Banking App.
Third Party Services
To the extent this Online Banking App allows you to access third party services, GTE Federal Credit Union d/b/a GTE Financial, and those third parties, as applicable, reserve the right to change, suspend, remove, or disable access to any of those services at any time without notice. In no event will we be liable for the removal of or disabling access to any such services. We may also impose limits on the use of or access to certain services, in any case and without notice or liability.
Warranties
THE ONLINE BANKING APP, THE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE ONLINE BANKING APP OR THE SERVICES MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU TO THE EXTENT THEY ARE PROHIBITED BY STATE LAW.
Limitation of Liability
YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE ONLINE BANKING APP AND THE SERVICES MAY BE DELAYED, INTERRUPTED OR DISRUPTED FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICES, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES THAT IS CAUSED BY OR ARISES OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, OR LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE ONLINE BANKING APP, OR THE SERVICES, OR THE WEBSITES THROUGH WHICH THE ONLINE BANKING APP OR THE SERVICE OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM, ARISING FROM OR RELATED TO THE ONLINE BANKING APP, THE SERVICES OR THE WEBSITE THROUGH WHICH THE APP OR THE SERVICES IS OFFERED, THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND LICENSORS AND CONTRACTORS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
Unless our account agreement with you states otherwise, this Agreement shall be governed by and construed in accordance with the laws of the State Florida, without regard to its conflicts of law's provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect.
By using the application I may access and interact with account and services offered by GTE Federal Credit Union d/b/a GTE Financial which I have previously enrolled in or in which I may enroll in with GTE Financial. My usage of those accounts and service through this application shall be governed by the terms and conditions agreed to by enrolling in or using those accounts and services to the extent that the terms and conditions I agreed to with respect to those accounts and services are contradicted by this agreement. This agreement shall govern unless prohibited by law.
GTE Financial
In this Disclosure and Agreement, the words "I," "me," "my," "us" and "our" mean the Credit Union member and any authorized agents or authorized users for such Credit Union member that applied for and/or uses any of the services described in this Agreement. The words "Credit Union," "you," "your," and "yours" mean GTE Financial.
Electronic Signature: By accepting this agreement, I consent and agree that my User Name and authorized GTE Online Banking Password, which were used to access this Agreement, constitute my signature, acceptance, and agreement to the terms and conditions provided in this Agreement, as if actually signed by me in writing. Further, I agree that no certification authority or other third party verification is necessary to the validity of my electronic signature. I agree that the lack of such certification or third party verification will not in any way affect the enforceability of my signature or any resulting contract between me and Credit Union.
In addition I agree that I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, (ii) copy or reproduce all or any part of the technology or Service; or (iii) interfere, or attempt to interfere, with the technology or Service.
Compliance with Law. I agree to use the products and Service only for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of my business (if applicable). I warrant that I will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. I promise to indemnify and hold you harmless from any damages, liabilities, costs, expenses (including attorneys' fees) or other harm arising out of any violation thereof. This indemnity will survive termination of my Account and this Agreement.
Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees due to an item being returned.
Items Returned Unpaid. Notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item and any applicable fees from the Account or any other account I have with you.
Email Address. I agree to notify you within 10 business days via phone, secure email (GTE Online Banking), or mail if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items. I understand and agree that I must maintain an up-to-date email address at all times as this will be the primary channel used for communication by GTE Financial.
Unavailability of Services. I understand and agree that Services may at times be temporarily unavailable due to the GTE Financials system maintenance or technical difficulties including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at my local Credit Union Community Financial Center or through your ATMs or by mailing the original check to you at Member Care, P.O. Box 172599, Tampa, FL 33672-0599. It is my sole responsibility to verify that items deposited have been received and accepted for deposit by you. However, you will email notification of items that are rejected to me by the business day following the date the item was rejected.
Business Day and Availability Disclosure. Your business days are Monday through Sunday, except holidays. Your business hours are 7:00 a.m. to 8:00 p.m., Eastern Standard Time, each business day.
Accountholder's Indemnification Obligation. I shall indemnify and hold you and your officers, employees and agents harmless from and against any and all losses, claims, damages, liabilities, regulatory or civil actions, costs or expenses (including any attorneys' fees or other expenses reasonably incurred by you, your officers, employees or agents in connection with investigating any claim and defending any action and any amounts paid in settlement or compromise) that arise out of, are based upon or in any relate to (a) my failure to conform to the statutes, ordinances and other regulations and requirements of any governmental authority in connection with my performance of this Agreement, (b) my negligence, gross negligence or willful action, (c) any breach by me of any term, condition, warranty, representation or any other portion of this Agreement. I understand and agree that this paragraph shall survive the termination of this Agreement.
Change in Terms. You may change the terms and charges for the Services indicated in this Disclosure and Agreement in your sole discretion at any time by notifying me of such change and may amend, modify, add to, or delete from this Disclosure and Agreement from time to time. My use of services after receipt of notification of any change by you constitutes my acceptance of the change.
Termination of the Services. I may, by written request, terminate services provided for in this Disclosure and Agreement. You may terminate my use of services at any time upon notice. In the event of termination of services, I will remain liable for all transactions performed on my Account.
Relationship to Other Disclosures. The information in these Disclosures applies only to services described herein. Provisions in other disclosure documents, as may be revised from time to time, remain effective for all other aspects of the Account.
Governing Law. I understand and agree that this Disclosure and Agreement and all questions relating to its validity, interpretation, performance, and enforcement shall be governed by and construed in accordance with the internal laws of the State of Florida, notwithstanding any conflict-of-laws doctrines of such state or other jurisdiction to the contrary. I also agree to submit to the personal jurisdiction of the courts of Hillsborough County, Florida. This Agreement shall be governed and construed in accordance with the laws of the State of Florida. If legal action is necessary to enforce this Agreement or collect any amounts owing under this Agreement, the prevailing party has the right, subject to applicable law, to payment by the other party of all attorney's fees and costs, including fees on any appeal and any post- judgment collection actions. The parties agree that such legal action shall be filed and heard in Hillsborough County, Florida, except as prohibited by applicable law.
Waiver. The failure of either party to seek a redress for violation, or to insist upon the strict performance, of any covenant, agreement, provision, or condition hereof shall not constitute the waiver of the terms or of the terms of any other covenant, agreement, provision, or condition, and each party shall have all remedies provided herein with respect to any subsequent act which would have originally constituted the violation hereunder.
Relationship. This Disclosure and Agreement does not create, and shall not be construed to create, any joint venture or partnership between the parties. No officer, employee, agent, servant, or independent contractor of either party shall at any time be deemed to be an employee, servant, agent, or contractor of the other party for any purpose whatsoever.
Severability. In the event that any paragraph of this Agreement or portion thereof is held by a court to be invalid or unenforceable for any reason, the other paragraphs and portions of the Agreement shall not be invalid or unenforceable and will continue in full force and effect.
Binding Nature and Assignment. This Agreement is binding upon and for the benefit of me, my heirs, successors and assigns, as permitted by this Agreement, and Credit Union, its successors and assigns. No other person or party shall be a beneficiary hereof or have any rights hereunder, and no rights are conferred by this Agreement upon any other person or party, whether or not identified in this Agreement. I may not assign this Agreement or any rights or obligations hereunder without Credit Union's consent, which may be withheld for any or no reason. Credit Union may assign this Agreement or any rights or obligations hereunder in Credit Union's sole discretion upon notice to me.
