RCU's Move Money Service

Move Money Agreement

Welcome to Redwood Credit Union’s Move Money Service (“Move Money”). With Move Money, you may transfer funds from any of your accounts at any financial institution to any other account held by you at another financial institution (“Accounts”) as permitted under by law and each financial institution.

This disclosure (“Agreement”) sets out the terms and conditions (“Terms”) on which our service provider and Redwood Credit Union will provide and you may use Move Money. Please read this Agreement carefully and keep a copy for your records, as this forms a legally binding agreement between you and Redwood Credit Union. Your use of Move Money is also subject to the terms and conditions in your Redwood Credit Union Membership Account Disclosure, incorporated into this Agreement by reference.

For the purpose of this Agreement “RCU”, “We”, “Us”, and “Our” refer to Redwood Credit Union and “you” and “your” refer to you as the user of Move Money.

A. Eligibility:
To be eligible for Move Money, you must be at least eighteen (18) years old, have an account open at RCU for ninety (90) days or more, and be an RCU Member in good standing. Businesses are not eligible to use Move Money. RCU and its service provider reserve the right to deny your application for Move Money if you are in default of any agreement with RCU as outlined in your Membership Account Disclosure. RCU and its service provider reserve the right to revoke this service if, at any time, you no longer met these eligibility qualifications.

B. Change of Terms
RCU reserves the right to change the Terms under which Move Money is offered in its sole discretion at any time; however, RCU will notify you of any material change to the Terms. In most cases, you will receive the notice on-line the next time you log in; however, RCU reserves the right to notify you by e-mail or by conventional mail, in its discretion. You agree that if you continue to use Move Money after we notify you of any change, you thereby accept the changes to the Terms and agree to be bound by this Agreement, as amended. If you do not accept and agree to the changes to the Terms, you will not be entitled to use Move Money. You can review, download and print the most current version of this Agreement at any time by clicking on “Terms of Service”. If you do not agree to the changes, or if at any time you wish to discontinue your use of Move Money, you can unsubscribe by clicking on “unsubscribe” from the Edit Profile page or by contacting RCU directly using the “Contact Us” section at the end of this Agreement.

C. Account Validation
Once you are approved for Move Money we may verify your Accounts that you add to Move Money from time to time. You authorize us to validate the Accounts through the use of a test transfer, in which one or more low value payments will be credited and/or debited from the Account.

Once the test transfer is complete we may ask you to access your Account to tell us the amount of the test credit or debit or any additional information reported by your bank with this test transfer. We may also verify Accounts through requiring the entry of information you ordinarily use to access the Account provider’s web site, or by requiring you to submit proof of ownership of the Account. If you do not provide validation of the Account, you will not be permitted to access the Account using Move Money.

D. Accounts
You understand that in order to complete fund transfers, it is necessary for RCU and our service provider to access the websites and databases of your financial institutions where you hold Accounts, as designated by you and on your behalf, to retrieve information and effect the fund transfers you request. By using Move Money, you represent and warrant to us that you have the right to authorize and permit us to access your Accounts to effect such funds transfers or for any other purpose authorized by this Agreement, and you assure us that by disclosing and authorizing us to use such information you are not violating any third party rights. You warrant and represent that the information you are providing us with is true, current, correct and complete. You hereby authorize and permit RCU and our service provider to use information submitted by you to accomplish these purposes and to configure Move Money to be compatible with the Accounts.

For as long as you are using Move Money, you give to RCU and our service provider a limited power of attorney and appoint RCU and our service provider as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access the Accounts, effect funds transfers as described above, with full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with effecting funds transfers, including verifying the content and authenticity of any funds transfer instruction for the purposes of security procedures applicable to Accounts, as fully to all intents and purposes as you might or could in person. Once RCU and/or our service provider has actual knowledge that you wish to cease using Move Money as provided in this Agreement or as otherwise permitted in this Agreement and has a reasonable opportunity to act on such knowledge, this limited power of attorney is automatically revoked; provided, however, that any act done by RCU and/or our service provider in good faith before it has actual knowledge of termination by you and has a reasonable opportunity to act on such knowledge shall be deemed to be authorized by you.

You understand and agree that at all times your relationship with each Account provider is independent of RCU and your use of Move Money. RCU will not be responsible for any acts or omissions by the financial institution or other provider of any Account, including without limitation any modification, interruption or discontinuance of any Account by such provider.

You acknowledge and agree that when RCU and our service provider is effecting a funds transfer from or to any of your Accounts, RCU and our service provider is acting as your agent, and not as the agent or on behalf of any third party. You agree that RCU, its affiliates, service providers and partners shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you.

You agree that we shall not be liable for any costs, fees, losses or damages of any kind incurred as a result of (1) our access to the Accounts; (2) our debit and/or credit or inability to debit and/or credit the Accounts in accordance with your funds transfer instructions; (3) any inaccuracy, incompleteness or misinformation contained in the information retrieved from the Accounts; (4) any charges imposed by any provider of accounts and (5) any funds transfer limitations set by the financial institutions or other providers of the Accounts.

Not all types of accounts are eligible for funds transfer. Be sure to check with your financial institution for restrictions regarding transfers among your retirement (401k, IRA, etc.), savings, trusts, loans, custodial, business, corporate and other account types. We are not responsible for any costs or losses incurred from fund transfers that are not permitted under such restrictions by the provider of your Account or those imposed by applicable law.

E. Electronic Communications
Move Money is an electronic, Internet based-service. Therefore, you understand and agree that this Agreement will be entered into electronically, and that the following categories of information (“Communications”) may be provided by electronic means:

• This Agreement and any amendments, modifications or supplements to it.
• Your records of funds transfers and other transactions through Move Money, including without limitation confirmations of individual transactions.
• Any initial, periodic or other disclosures or notices provided in connection with Move Money, including without limitation those required by federal or state law.
• Any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of Move Money.
• Any other communication related to Move Money.

Although RCU reserves the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. All Communications in either electronic or paper format will be considered to be "in writing." You should print a paper copy of this Agreement and any electronic Communication that is important to you and retain the copy for your records. If you do not agree to receive this Agreement or the Communications electronically, you may not use Move Money.

If you have registered for Move Money and you wish to withdraw your consent to have Communications provided in electronic form, you must cancel any pending transfer requests (within the time period permitted by Move Money cancellation policies) and stop using Move Money. There are no fees to cancel a pending transfer request (as long as such cancellation is made within the time period permitted by Move Money cancellation policies).

You agree to promptly update your registration records if your e-mail address or other information changes. You may update your records, by contacting RCU at the telephone or mailing address listed under the HOW TO CONTACT US section at the end of this Agreement.

Communications may be posted on the pages of the Move Money website or other website disclosed to you and/or delivered to the e-mail address you provide. Any electronic Communication sent by e-mail will be deemed to have been received by you when RCU sends it to you, whether or not you received the e-mail. If the Communication is posted on Move Money, then it will be deemed to have been received by you no later than five (5) business days after RCU posts the Communication on the pages of Move Money, whether or not you retrieve the Communication. An electronic Communication by e-mail is considered to be sent at the time that it is directed by RCU’s e-mail server to the appropriate e-mail address. An electronic Communication made by posting to the pages of Move Money is considered to be sent at the time it is publicly available. You agree that these are reasonable procedures for sending and receiving electronic Communications.

F. Hardware and Software Requirements.
In order to access and retain Communications, you must have:

• An Internet browser that supports 128-bit encryption, such as Netscape Navigator version 4.7 or above or Internet Explorer version 5.0 or above.
• An e-mail account and e-mail software capable of reading and responding to your e-mail.
• A personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing.
• Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit.
• A printer that is capable of printing from your browser and e-mail software.

G. Privacy Policy and Confidentiality
We regard your privacy and security with the utmost importance, and we are absolutely committed to safeguarding any information that you share with us. In order to provide Move Money, we must obtain from you certain personal information about you, your Accounts, and your transactions (referred to herein as “User Information”). You represent that you have the right to provide such User Information and that you give us the right to use the User Information in accordance with our privacy policy.

All of your personal and financial information will be placed on a secure portion of our website. We do not use any persistent “cookies” on the browser to store any personal information. We have multiple levels of security that have been designed especially for us. You can see a full description of our privacy policy by clicking on “Privacy Policy”.

H. Access to Move Money
Move Money may be accessed solely through RCU Online Homebanking. To access Homebanking, you must select a unique username and password. You are responsible for maintaining the confidentiality of your username, and password. To keep your password secret, please follow these simple rules: (1) Memorize it, just as you learn a frequently called telephone number; (2) Do not keep a written record of your password; (3) If you must write your password down, do so in a way that it will not be recognized as password, and do not write them on near computer in your home or office; (4) Don’t let anyone use your password.

Please remember, any person who receives your password, or whom you permit (either by express or implied permission) to use your password would be able to withdraw all of the money in your Accounts. We refer to such persons as authorized users, and you agree that all authorized users may withdraw funds from your accounts with the access device. For example, if you give your friend your password in May and tell her to withdraw $100, and she also uses your password to withdraw $500 in November, the November transaction is considered authorized by you. The only way you can stop an authorized user from withdrawing funds from your Accounts is to notify RCU to change your password. You remain liable for any authorized use of your homebanking that occurs before you tell RCU to change it.

If you believe your password has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, please call RCU immediately at the telephone number, email address or mailing address listed in the Contact Us section at the end of this Agreement.

I. Member Liability
You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within two (2) business days, you will have no liability for the unauthorized transaction.

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.

You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within sixty (60) days after the transfer was posted to your statement, you may not get back any money you lost after the sixty (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.

J. Transfer Types and Limitations
Move Money will process requests for transfers on business days. Our business days are Monday through Friday. Weekends and Federal Holidays are not included. If you make a “Standard” transfer before 10:00 PM or a “Next Day” transfer before 4:00 PM on a business day, we will consider that to be the day of transfer. You may use your RCU password to transfer funds between any two of your Accounts about which you have provided the necessary information to RCU. Transfers must be between Accounts at RCU and an unrelated financial institution. Transfers may not be made between Accounts at the same financial institution.

Some of these services may not be available at all times. We may, from time to time, make available additional or new features to Move Money. You will be approved or declined for any such additional service at our sole discretion and additional terms and conditions may apply. Please ensure that you have sufficient funds to effect any funds transfers from your Accounts. We may at any time decline to effect any funds transfer that we believe may violate applicable law.

We do not limit the number of funds transfers you may make; however, you may not make funds transfers in excess of the number of funds transfers allowed by the rules governing the applicable Accounts. Move Money transfers are limited by dollar amount, both as a daily limit and an aggregated total for a set time period. The amount of your limit is established at our sole discretion and will be disclosed to you at the time of your transfer. We may from time to time for security and risk management reasons modify the limit, the frequency and the dollar amount of transfers you can make using Move Money. Without limiting the foregoing, in the event that your use of Move Money has been suspended and reinstated as provided herein (see “Suspension and Reinstatement of Funds Transfer Service” below), you understand and agree that your use of Move Money thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us.

Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You agree not to effect any funds transfers from or to an Account that are not allowed under US law and the rules or regulations applicable to such accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of OFAC regulations.

We reserve the right to decline to effect any funds transfer, to submit funds transfer instructions or orders or to carry out change or cancellation requests.

K. Authorization
You authorize us to select any means we deem suitable to provide your funds transfer instructions to the applicable financial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems, such as CHIPS or automated clearing house (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned it will be the property of RCU.

Once your Account has been debited, we credit our service provider’s transfer account at the service provider’s clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your Account. The sole purpose for our service provider’s transfer account is to complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit or reverse a transfer in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in the same dollar amount as the original funds transfer. There may be a fee associated with such collection imposed by the financial institution holding the Account.

You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. RCU will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize RCU to debit your account in the amount indicated.

In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see “Documentation”, below).

You understand and agree that in the event we are unable to execute your funds transfer request utilizing the ACH, we may utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check.

L. Suspension and Reinstatement of Funds Transfer Service
In the event that we, at any time, incur a problem with your use of Move Money, including without limitation a failure in attempting to debit any of your Accounts or to collect with respect to any of your funds transfers as described above or your failure to meet our eligibility qualification, and without limiting any other right or remedy that we may have under this Agreement or otherwise, we reserve the right to suspend your right to use Move Money, immediately and without prior notice to you. You understand and agree that such action is reasonable for us to take in order to protect yourself from loss. In the event of such suspension, you may request reinstatement of your service by contacting us using any of the methods provided for under this Agreement (see “Error Reporting and Claims”, below). We reserve the right in our sole discretion to grant or deny reinstatement of your use of Move Money. In the event we agree to reinstate you, we reserve the right to, and ordinarily will, initially reinstate Move Money subject to lower per-transaction and monthly dollar limits and/or with other restrictions than otherwise might be available to you. Based upon your subsequent usage of Move Money, RCU in its sole discretion may thereafter restore your ability to effect transfers subject to such higher limits as may then be in effect (see “Dollar Amount of Transfers”, above).

M. Documentation
You may access a statement of all funds transfers effected or pending at any time by clicking on the History tab. If a funds transfer could not be completed, RCU and/or our service provider, upon learning that the funds transfer has failed, will make a reasonable effort to complete the transfer again. If the funds transfer fails a second time, the transfer will not be processed and you will be responsible for contacting your financial institution or other provider of the relevant Account to learn more about the failure.

N. Your Responsibility for Errors
You understand that we must rely on the information provided by you and you authorize us to act on any instruction which has been or reasonably appears to have been sent by you, to submit funds transfer instructions on your behalf. You understand that financial institutions receiving the funds transfer instructions may rely on such information. We are not obliged to take any further steps to confirm or authenticate such instructions and will act on them without getting further confirmation. You understand that if you provide us with incorrect information or if there is any error in your instruction we will make all reasonable efforts to reverse or delete such instructions, but you accept full responsibility for losses resulting from any of your errors, duplication, ambiguities or fraud in the information that you provide. You agree not to impersonate any person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current or incomplete, without limiting other remedies, RCU reserves the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.

In case of errors or questions about your funds transfers, e-mail us at MembersMail@redwoodcu.org or telephone us at 1 (800) 479-7928 or write to us at Redwood Credit Union Account Services, PO Box 6104, Santa Rosa, CA, 95406 as soon as you can. We must hear from you within sixty (60) days after we FIRST posted the transfer to your statement.

(1) Tell us your name, and the account number of the Account to which the error relates. (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is in error or why you need more information. (3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether we committed an error within ten (10) business days (twenty [20] business days for new member accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety [90] days for new member accounts) to investigate your complaint or question. If we decide to do this, we will credit/debit the applicable Accounts within ten (10) business days (twenty [20] business days for new member accounts) for the amount you believe is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your question or complaint in writing and we do not receive it within ten (10) business days, we may not credit/debit the applicable Accounts.

We will tell you the results within three business days after completing our investigation. If we decide that we did not make an error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.

We are not responsible for errors, delays and other problems caused by or resulting from the action or inaction of financial institutions holding the Account. Although we will try to assist you in resolving any such problems, you understand that any such errors, delays or other problems are the responsibility of the relevant financial institution. Any rights you may have against a financial institution for such errors, delays or other problems are subject to the terms of the agreements you have with such financial institution, including any time limits during which complaints must be made.

O. Proprietary Rights
You acknowledge and agree that RCU and/or our service provider owns all rights in and to Move Money. You are permitted to use Move Money only as expressly authorized by this Agreement. You may not copy, reproduce, distribute, or create derivative works, reverse engineer or reverse compile RCU and/or our service provider’s Move Money or any of RCU and/or our service provider's services or technology.

P. No Unlawful or Prohibited Use
As a condition of using Move Money, you warrant to us that you will not use Move Money for any purpose that is unlawful or is not permitted, expressly or implicitly, by the Terms of this Agreement or by any applicable law or regulation. You further warrant and represent that you will not use Move Money in any manner that could damage, disable, overburden, or impair Move Money or interfere with any other party's use and enjoyment of Move Money. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through Move Money. You agree that these warranties and representations will remain in full force and effect even if this Agreement terminates for any reason.

Q. Fees
We reserve the right to charge a fee for the use of Move Money and any additional services or features that we may introduce. The amount of the fee will be disclosed to you at the time you initiate the transaction. You understand and agree that you are responsible for paying all fees associated with the use of Move Money.

R. Links To Third Party Sites
RCU’s website may contain links to other websites (“Linked Sites”). Such links are provided solely as a convenience to you. RCU does not screen, approve, review or otherwise endorse any content or information contained in any Linked Sites. You acknowledge and agree that RCU, its affiliates and partners are not responsible for the contents of any Linked Sites, including the accuracy or availability of information provided by Linked Sites, and make no representations or warranties regarding the Linked Sites or your use of them.

S. Security Procedures
You understand that the financial institution at which an Account is maintained may contact us to verify the content and authority of funds transfer instructions and any changes to those instructions. You understand that, as your agent, we may provide to such financial institution such information as may be required to verify the instructions and may constitute a valid security procedure under the rules governing such Account.

You agree to allow us to authorize any financial institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such financial institution, or between us, on your behalf, and such financial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition you agree that we may authorize such financial institutions to charge and debit your accounts based solely on these communications.

T. Account Number Policy
If funds transfer instructions identify an Account holder by name and account number, the relevant financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers.

U. Joint Account Holder
In submitting your application for Move Money, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for Move Money. We will end your use of Move Money if any joint account holder notifies us that (i) they never consented to your use of Move Money, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account.

V. Our Liability
If we do not provide a funds transfer instruction on time, if we cause an incorrect amount to be removed from an Account or if we cause funds from an Account to be transferred to any account other than the Account specified in the applicable funds transfer instruction, we shall be responsible for returning the improperly transferred funds and/or for directing any misdirected funds to the proper Account. RCU is not responsible or liable if your financial institution’s system fails and we are unable to complete the transfer. Except as otherwise required by law, RCU shall in no other event be liable for any losses and damages other than those arising from gross negligence or willful misconduct on our part or if we breach a representation or warranty of RCU hereunder.

You agree that your transfer instructions constitute authorization for us to complete the transfer. You represent and warrant to us that you have enough money in the applicable Accounts to make any funds transfer you request that we make on your behalf through Move Money. You understand and agree that we are not liable under any circumstances for any losses or damages if, through no fault of ours, you do not have enough money to make the funds transfer and the funds transfer is not completed or is later reversed or if your financial institution does not permit the transfer or the funds transfer would exceed the credit limit on any applicable overdraft line. You also understand and agree that we are not responsible for any losses or damages if circumstances beyond our control (such as fire or flood) prevent us from making a funds transfer or if RCU’s or its service provider’s website was not working properly and you knew about the breakdown when you started the funds transfer.

W. Limitation of Warranty and Liability
You understand and agree that Move Money is provided “as-is”. except as otherwise provided in this Agreement or as required by law, we assume no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings. You understand and expressly agree that use of Move Money is at your sole risk, that any material and/or data downloaded or otherwise obtained through the use of Move Money is downloaded or obtained at your own discretion and risk and that you will be solely responsible for any damages, including without limitation damage to your computer system or loss of data that results from the download or the obtaining of such material and/or data.

Except as expressly set forth on the RCU web site or in this Agreement, we disclaim all warranties of any kind, express or implied, including without limitation any warranty of merchantability, fitness for a particular purpose or non-infringement of intellectual property or third party rights, and we make no warranty or representation regarding the results that may be obtained from the use of Move Money, the accuracy or reliability of any information obtained through Move Money, the accuracy of any information retrieved by us from the accounts or that Move Money will meet any user’s requirements, be uninterrupted, timely, secure or error free.

Except as described in this Agreement, we will not be liable for any direct, indirect, incidental, special, consequential or punitive damages of any kind resulting from the use of or the inability to use Move Money, any inaccuracy of any information or amount retrieved by us from the Accounts, any breach of security caused by a third party, any transactions entered into based on Move Money, any loss of, unauthorized access to or alteration of a user's transmissions or data or for the cost of procurement of substitute goods and services, including but not limited to damages for loss of profits, use, data or other intangibles, even if we had been advised of the possibility of such damages.

X. Indemnification
You agree to indemnify, defend and hold harmless RCU, its affiliates, partners, officers, directors, employees, consultants, service providers and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising from your use or an authorized user’s use of Move Money, our reliance on the information, instruction, license and/or authorization provided by you under or pursuant to this Agreement, your violation of the Terms or your infringement, or infringement by any other user of your RCU account, of any intellectual property or other right of any person or entity.

Y. Miscellaneous
You understand and agree that our service provider is not a bank, a broker-dealer firm, or any other kind of financial institution. You represent and warrant that you are who you claim to be; that you are the rightful owner of all information you have provided to us and the Accounts linked for the purposes of Move Money; and that you are rightfully authorizing us to access the Accounts.

You agree that our rights and remedies arising out of any breach of your representations and warranties in this Agreement, the limitations on our liability and our rights to indemnification under this Agreement are continuing and shall survive the termination of this Agreement, notwithstanding the lack of any specific reference to such survivability in these provisions. RCU’s failure to enforce the strict performance of any provision of this Agreement will not constitute a waiver of RCU’s right to subsequently enforce such provision or any other provisions of this Agreement.

If either of us has any dispute or disagreement with the other regarding this Agreement that we cannot resolve amicably, both parties agree that the sole and exclusive remedy shall be binding arbitration in accordance with the then-current rules and procedures of the American Arbitration Association. This Agreement shall be governed by and construed in accordance with the laws of the State of California, without giving effect to its conflict of laws provisions or your actual state or country of residence. If for any reason a court of competent jurisdiction finds any provision or portion of the Terms to be unenforceable, the remainder of the Terms will continue in full force and effect.

Z. How to Contact Us
You may call us at:
1 (800) 479-7928 or (707) 545-4000

You may write to us at
Redwood Credit Union: Account Services
PO Box 6404
Santa Rosa, Ca. 95406
You may submit and email to us at:
MembersMail@redwoodcu.org

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