Terms of Service

1. Acceptance of Terms

By creating an account or using APECCU’s services, you agree to these Terms and any policies referenced herein. If you are using our services on behalf of an entity, you represent that you have authority to bind that entity to these Terms.

2. Eligibility & Accounts

• Members must provide accurate and complete information during registration.
• Business users must provide valid registered number and TIN where applicable.
• You are responsible for maintaining the confidentiality of your credentials.

3. Acceptable Use

Do not misuse the platform. Prohibited activities include:

• Attempting to breach security, probe systems, or disrupt service.
• Submitting fraudulent information or engaging in unlawful transactions.
• Infringing the rights of others or violating applicable laws.

4. Security & Authentication

We employ industry-standard controls, including encryption and multi-factor verification where required. You agree to promptly notify APECCU of any suspected unauthorized access or activity on your account.

5. Privacy

Our handling of personal data is described in our Privacy Policy. By using our services, you consent to such processing consistent with that policy.

6. Transactions & Fees

• Some services may be subject to fees disclosed at point of use.
• Transaction timelines and limits may apply per regulatory guidance.
• All transactions may be subject to review, reversal, or compliance checks.

7. Regulatory Compliance

APECCU operates under applicable cooperative, banking, and data protection regulations. We may request additional information to meet KYC/AML obligations.

8. Intellectual Property

The platform, trademarks, and content are owned by APECCU or its licensors. You receive a limited, non-transferable license to use the services as provided under these Terms.

9. Disclaimers

Services are provided “as is” and “as available” without warranties of any kind, to the maximum extent permitted by law.

10. Limitation of Liability

To the fullest extent permitted by law, APECCU is not liable for indirect, incidental, special, or consequential damages arising from your use of the services.

11. Suspension & Termination

We may suspend or terminate access for suspected violations, fraud, or risks to members, systems, or compliance obligations. You may stop using the services at any time.

12. Changes to Terms

We may update these Terms. Material changes will be communicated via the platform. Continued use after updates constitutes acceptance.