regardless of the form of action or claim, whether contract, tort, strict liability, or otherwise, even if we have been informed of the possibility thereof.

Amendments: Unless otherwise required by law, the Credit Union may amend this Agreement at any time and from time to time, without notice to you, by posting the amended Agreement on our website. If notice is given, we may send it to you at your latest address on file with us via US mail, statement message, or electronic message. We may ask you to agree to an amended or updated version of this Agreement by means specified in the notice. If you decline to agree, we may limit, suspend, or terminate your use of the Mobile Deposit service.

Electronic Consent Notices: Using the Mobile Deposit service requires you to consent to receive information and notices via electronic means. If you do not wish to consent to electronic notices about the Mobile Deposit service, do not use the service. Nevertheless, the Credit Union reserves the right at our sole discretion to provide you any notices regarding this Agreement or the Mobile Deposit Service by non-electronic means such as statement notices or via U.S. mail.

Short Message Service (SMS) and Short Code (Text)

Service Terms: By providing your mobile phone number to us, you have provided consent to send you account-related text messages and the following service terms will apply. The Credit Union may contact you via the SMS Short code channel regarding:

• Account Security related activities such as email address changes, password changes, user ID changes, adding Payees, etc.
• Higher risk transactions such as; person-to-person payments, transfers to external accounts, etc.
• Multi-factor authentication challenges, secure access codes, and\or verification of transaction authorizations. The Credit Union will send marketing and promotional communications via a separate and unique SMS text channel, which you can opt out of at any time. As used in these services terms, “account text” means any SMS communication or text message from us to you pertaining to your account including, but not limited to, payment information or account information.
• By entering a mobile phone number, you certify that you are the individual identified on the request, or you have the permission of the individual identified on the account texts we send. You also understand that anyone with access to your phone may see these messages, and you should safeguard your phone’s confidentiality.

How to Opt-Out: You may withdraw your consent to receive account text messages by replying STOP at any time to any account text you receive from us. Any withdrawal of your consent to receive account texts will be effective only after we have a reasonable period to process your withdrawal. Please note that you cannot opt-out of fraud alerts. For one-time transactions, such as a person-to-person payment, you will agree to receive these account text messages each time you request a transfer.

How to Update Your Records: It is your responsibility to provide us with a true, accurate, and complete mobile phone number and to maintain and update promptly any changes to this number. Please notify us immediately if you change mobile numbers or plan to provide your phone to another person. You can update your mobile number via Digital Banking or by calling us at 800-388-3000.

Hardware and Software Requirements: In order to access, view, and retain account texts that we make available to you, you must have an SMS-capable mobile phone, an active mobile phone account with a communication service provider, and sufficient storage capacity on your mobile phone. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your mobile service carrier. Our SMS text message services are provided on an AS IS basis.

Communications in Writing: The Credit Union considers all text messages delivered in electronic format from us to you as “in writing.”

Charges: There is no service fee to receive account texts from us, but you are responsible for all charges including, but not limited to, fees associated with text messaging imposed by your wireless service provider. Your wireless service provider’s message and date rates may apply to our confirmation text and all subsequent texts. Please consult your wireless service provider’s pricing plan to determine the charges for sending and receiving texts. These charges will appear on your phone bill from your wireless service provider. Message frequency depends on account status and settings.

Other Important Terms: You agree that we may send any account texts through your wireless service provider in order to deliver them to you and that your wireless services provider is acting as your agent in this capacity. Additionally, you agree to indemnify, defend, and hold us harmless from and against any and all claims, losses, liability, cost, and expenses, including reasonable attorneys’ fees, arising from your provision of a mobile phone number that is not your own or your violation of any applicable federal, state, or local law, regulation, or ordinance. Your obligations under this paragraph shall survive termination of this Agreement. We provide account texts for your convenience only. Factor(s) pertaining to your wireless service provider(s) may delay or impact receipt of each account text. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the account texts sent by us.

Changes in Terms and Conditions: We may modify or terminate account text services from time to time, with or without notice, without liability to you, any other user, or a third party. We reserve the right to modify these SMS service terms from time to time.

Help or Support: For help or support regarding our text messaging services, email us at ONCUsupport@onenevada.org or call toll free 800-388-3000. You can also request help, obtain contact information, or additional information regarding One Nevada’s texting service anytime from your mobile device by replying with the word “HELP” to a message you receive from us.

Voice Banking

Voice Banking allows you to use your voice-enabled devices, such as Amazon Alexa or Echo and Google Home devices, to communicate with the Credit Union by voice regarding your account(s). To use Voice Banking, you must speak commands and questions aloud to your voice-enabled device, and you will receive responses aloud. Any communication to the Credit Union via your voice-enabled device will be treated by us as a communication authorized by you, and any communication from the Credit Union via your voice-enabled device in response to a request received from your voice-enabled device will be treated by us as a communication to you.

In other words, you are responsible for all of the interactions with us via Voice Banking. For example, it is possible that someone other than you could interact with the Credit Union via Voice Banking, or that someone could overhear you interacting with us via Voice Banking and learn information about your account(s). It is also possible that your voice-enabled device, associated device software, and/or your voice-enabled device provider, e.g., Amazon or Google, will record your Voice Banking interactions. Consult your Amazon or Google agreements to learn more about how your voice-enabled device treats those interactions.

Once you set up your voice-enabled device for Voice Banking services, you are authorizing the Credit Union to provide information to that device based on the device’s security settings. For example, the device settings may allow the device to retrieve information about your account(s) based on only verbal requests from anyone who uses your device, or to save information about your account(s) for easier access. By enabling Voice Banking on your voice-enabled device, you are responsible for how you use Voice Banking, including any communication to or from the Credit Union from your device.

The Credit Union did not design nor manufacture your voice-enabled device. The device also runs other software (e.g., Alexa, Google Assistant, and other third-party applications) that we did not write or design and do not have control over. It is possible that your voice-enabled device will not hear you correctly, will incorrectly translate what you said, or even say something to you different from what we asked it to say. By accepting this Agreement, you understand and agree that we are not responsible for inaccuracies in your Voice Banking interactions. If you have any issues or doubts about the accuracy of your Voice Banking interactions, you can get your account details in all the same ways you have previously used, including Digital Banking and Phone Banking.

Third-Party Services

The Credit Union provides the services to Credit Union members through third-party service providers. Upon enrollment in third-party electronic services, you will be provided with the Terms and Conditions for those services. Please read the disclosures carefully. You will be required to “accept” the Terms and Conditions in order to use the services.