Terms of Use

1. Acceptance of Terms

Welcome to the Rally Credit Union (“Rally,” “we,” “us,” or “our”) website (“Site”). By accessing or using this Site, you agree to comply with and be bound by these Terms of Use (“Terms”). If you do not agree, please discontinue use of this Site.

2. Eligibility and Capacity to Contract

By using this Site, you represent that you are at least 18 years of age (or the age of majority in Texas) and have the legal capacity to enter into a binding agreement under applicable law.

3. Permitted Use

You agree to use this Site only for lawful purposes related to Rally’s products and services. You agree not to:

• Use the Site in a manner that could harm or impair its functionality
• Attempt unauthorized access to systems, accounts, or data
• Introduce malicious code (viruses, malware, etc.)
• Use automated scripts, bots, or scraping tools without prior authorization

4. Intellectual Property Rights

All content on this Site—including logos, branding, text, graphics, images, videos, and software—is owned by Rally Credit Union or its licensors and is protected by U.S. and Texas intellectual property laws.

You may:

• View and print content for personal, non-commercial use only

You may not:

• Copy, reproduce, distribute, modify, or create derivative works without prior written permission from Rally

5. Informational Use Only / No Financial Advice

Content on this Site is provided for general informational purposes only and does not constitute financial, legal, or investment advice. You should consult a qualified professional before making financial decisions.

6. Accuracy of Information

Rally makes reasonable efforts to ensure that information on this Site is accurate and up to date; however, we do not guarantee the completeness, reliability, or accuracy of any content. Rates, terms, and product details are subject to change without notice.

7. Online Banking and Security

If you access online banking or secure services:

• You are responsible for safeguarding your login credentials
• You agree to notify Rally immediately of any unauthorized access
• Rally is not responsible for losses resulting from your failure to maintain confidentiality of your credentials

Use of online banking may also be governed by separate agreements.

8. Website Availability and Updates

Rally reserves the right to modify, suspend, or discontinue any part of the Site or its services at any time without notice. We are not liable for temporary or permanent interruptions in availability.

9. Third-Party Links and Services

This Site may contain links to third-party websites or services. These links are provided for convenience only.

Rally:

• Does not control or endorse third-party content
• Is not responsible for the security, privacy practices, or accuracy of third-party websites
• Disclaims all liability for any damages caused by use of third-party services

Access third-party websites at your own risk.

10. Disclaimer of Warranties

THIS SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT

Rally does not warrant that the Site will be error-free, secure, or uninterrupted.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY TEXAS LAW, RALLY CREDIT UNION SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING FROM:

• Your use or inability to use the Site
• Errors, omissions, or inaccuracies
• Unauthorized access or data breaches beyond Rally’s reasonable control
• Interruptions or delays in service

12. Indemnification

You agree to defend, indemnify, and hold harmless Rally Credit Union, its employees, officers, directors, and affiliates from any claims, damages, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from:

• Your use or misuse of the Site
• Your violation of these Terms
• Your infringement of any third-party rights

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.

Any dispute arising from or relating to these Terms or your use of the Site shall be resolved through:

• Good-faith negotiation first
• If unresolved, then exclusively in state or federal courts located in Nueces County, Texas, unless otherwise required by applicable law

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Changes and Amendments

Rally reserves the right to update or modify these Terms at any time. Changes will be effective upon posting to this page, and the “Effective Date” will be updated accordingly.

Your continued use of the Site constitutes acceptance of the revised Terms.

16. Privacy

Your use of this Site is also subject to Rally’s Privacy Policy, which describes how we collect, use, and protect your information.

17. Contact Information

If you have questions regarding these Terms, please contact us.