IMPORTANT!
Please read these SMS texting terms and conditions, you agree to abide by and be bound to these SMS texting terms and conditions. Furthermore, these SMS texting terms and conditions contain an arbitration clause and class action waiver, which affects how disputes with River Valley Credit Union are resolved.
By initiating a text to any five-digit short code (i.e., the five-digit number to which text messages is being sent to) or River Valley Telephone Number you expressly consent to receive marketing or non-marketing text messages, as applicable, from River Valley and others texting on its behalf, including text messages made with an automatic telephone dialing system (“autodialer”), at the telephone number(s) that you provide. You may opt-out of these communications at any time. Consent to receive informational, transactional and account related text messages was implied as part of your signed membership agreement. In addition, consent is not a condition of any purchase or product or service.
Program Description
River Valley and its service providers may use an autodialer to deliver text messages to you. River Valley text messages are intended to provide you with informational, transaction as well as marketing and promotional information (for those who have opted in or will opt in) regarding River Valley products and services (e.g., events and promotions offered by River Valley or any of its authorized vendors).
Message Frequency
The number of River Valley text messages that you receive will vary depending on which River Valley text messaging programs for which you sign up to receive messages and the frequency of the messages sent by those programs.
Cost
Message and data rates may apply to each text message sent or received in connection with River Valley text messages, as provided in your mobile telephone service rate plan (please contact your mobile telephone carrier for pricing plans), in addition to any applicable roaming charges. River Valley does not impose a separate fee for sending River Valley text messages; however, you are responsible for any fees imposed by your mobile carrier of any kind whatsoever.
How to Opt-In
To opt-in to receive text messages from a River Valley text messaging program(s), please follow the instructions provided by the specific program from which you wish to receive messages. For example, you may be asked to reply in the affirmative in the manner indicated in an initial text message (e.g., Y or Yes, Start).
How to Opt-Out
To stop receiving text messages from a specific River Valley text messaging program, text STOP to the five-digit short code (i.e., the five-digit number from which its text messages are being sent) or River Valley Telephone Number for the text messaging program from which you no longer wish to receive messages. You acknowledge that you will then receive one (1) final message from River Valley confirming your opt-out of that text messaging program. Following such confirmation message, no additional text messages associated with that program will be sent to you unless you re-activate your subscription. This will only opt you out of the specific text messaging program associated with that five-digit short code. You will remain opted in to other River Valley text messaging programs.
To stop receiving text messages from ALL River Valley text messaging programs, text STOPALL to any five-digit short code. (i.e., the five-digit number from which its text messages are being sent) or River Valley Telephone Number You acknowledge that you will then receive one (1) final message from River Valley confirming your opt-out of ALL River Valley text messaging programs. Following such confirmation message, no additional text messages associated with any program will be sent to you unless you opt into specific program from which you wish to receive messages. This will not opt you out of Online Banking automated alerts. To deactivate alerts text STOP to the five-digit short code or River Valley Telephone Number for the text messaging Alert from which you no longer wish to receive messages.
Your Mobile Telephone Number
You represent that you are the account holder for the mobile telephone number(s) that you designated as your cell phone on your River Valley membership. You are responsible for notifying River Valley immediately if you change your mobile telephone number. You may notify River Valley of a number change by contacting River Valley Member Care at 937-859-6260.
You agree to indemnify River Valley in full for all claims, expenses, and damages related to or caused in whole or in part by your failure to notify River Valley if you change your telephone number including, but not limited to, all claims, expenses, and damages related to or arising under the Telephone Consumer Protection Act.
Access or Delivery to Mobile Network is Not Guaranteed
It is your responsibility to determine if your mobile carrier supports text messaging and if your mobile device is capable of receiving text messages. Your receipt of our text messages is subject to the terms and conditions of your agreement(s) with your mobile carrier.
Delivery of information and content to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of River Valley’s control, and River Valley is not responsible or liable for issues arising from such network services (e.g., delayed or undelivered messages or the security of any messages).
Supported Carriers
Supported carriers may change from time to time, but currently include AT&T, Sprint/Boost,/Virgin, T-Mobile/MetroPCS, Verizon Wireless, CellCom USA, Spectrum Wireless, U.S. Cellular, and Google Voice, among others.
Carriers are not liable for delayed or undelivered messages.
T-Mobile® is not liable for delayed or undelivered messages.
Support/Help
To request more information, text HELP to the five-digit short code (i.e., the five-digit number from which its text messages are being sent) or River Valley Telephone Number for the text messaging program about which you have questions. You may also receive help by contacting River Valley Member Care at 937-859-6260.
Eligibility
To receive River Valley text messages, you must be a resident of the United States and 18 years of age or older. River Valley reserves the right to require you to prove that you are at least 18 years of age.
Changes to Terms and Conditions
River Valley may revise, modify, or amend these River Valley Credit Union SMS Terms and Conditions at any time. Any such revision, modification, or amendment shall take effect when it is posted to River Valley’s website https://www.rivervalleycu.org/ . You agree to review these River Valley Credit Union SMS Terms and Conditions periodically to ensure that you are aware of any changes. Your continued consent to receive River Valley text messages will indicate your acceptance of those changes.
Termination of Text Messaging
We may suspend or terminate your receipt of River Valley text messages if we believe you are in breach of these River Valley SMS Terms and Conditions and or your Membership Agreement. Your receipt of River Valley text messages is also subject to termination in the event that your mobile telephone service terminates or lapses. River Valley reserves the right to modify or discontinue, temporarily or permanently, all or any part of River Valley text messages, with or without notice.
Security
You acknowledge that our text messages are sent to you without being encrypted and may include information about an application or your River Valley account. River Valley will not include your full account number, password, or other sensitive information in a text message. A text message does not constitute a record for the account to which it pertains. The information in the text messages is provided on an "AS IS," and "AS AVAILABLE" basis. River Valley will not be responsible for any loss or damage that could result from interception or misuse of any information by third parties or undelivered text messages. Request for personal information may be done through a secured link provided in the text.
Privacy
Your privacy is important to us. Please visit https://www.rivervalleycu.org/privacy-policy to review our privacy statement.
Arbitration and Class Action Waiver
Please read this carefully. It affects your rights.
Any dispute and/or any and all claims relating in any way to your receipt or use of River Valley text (SMS) messages will be resolved by binding arbitration, rather than by a court.
Any and all controversies, disputes, demands, counts, claims, or causes of action (including the interpretation and scope of this clause, and the arbitrability of the controversy, dispute, demand, counts, claim, or cause of action) between you and River Valley or River Valley's employees, agents, successors, or assigns, shall exclusively be settled through binding and confidential arbitration, except that you or River Valley may take claims to small claims court if the dispute qualifies for hearing by such court. In addition, each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.
This agreement to arbitrate is intended to be broadly interpreted, and expressly includes claims brought under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq., or any other statute, regulation, or legal or equitable theory. You and River Valley hereby agree that the Federal Arbitration Act, 9 U.S.C. 1, et seq. (“FAA”) applies to this agreement to arbitrate, and governs all questions of whether a dispute is subject to arbitration. Unless you and we agree otherwise in writing, arbitration shall be administered by the American Arbitration Association Consumer Arbitration Rules in effect at the time of filing of the arbitration (the “AAA Rules”). However, just as a court would, the arbitrator or arbitrators must honor the terms and limitations in these River Valley Terms and Conditions, and can award damages and relief (including any attorneys’ fees) authorized by law and/or the AAA Rules. The arbitration decision and award is final and binding, with some exceptions under the FAA, and judgment on the award may be entered in any court of competent jurisdiction. There is no judge or jury in arbitration and arbitration procedures are simpler and more limited than rules applicable in court. YOU AGREE THAT, BY ENTERING INTO THIS AGREEMENT, YOU AND RIVER VALLEY ARE EACH WAIVING THE RIGHT TO SUE IN COURT, INCLUDING RIGHTS TO RECEIVE A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION LAWSUIT, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEYGENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING, EXCEPT THAT RIVER VALLEY SHALL RETAIN THE RIGHT TO COMMENCE AN ACTION IN THE SUPREME COURT OF THE STATE OF OHIO RELATED TO ANY COLLECTION OF DEBTS ALLEGEDLY OWED TO RIVER VALLEY BY YOU.
THIS AGREEMENT DOES NOT ALLOW FOR CLASS ARBITRATIONS EVEN IF THE PROCEDURES OR RULES OF AAA WOULD. RATHER, YOU AND WE ARE ONLY ENTITLED TO PURSUE ARBITRATION ON AN INDIVIDUAL, BILATERAL BASIS. FURTHER, AND UNLESS YOU AND RIVER VALLEY AGREE OTHERWISE IN WRITING, THE ARBITRATOR(S) MAY NOT CONSOLIDATE MORE THAN ONE INDIVIDUAL PARTY’S CLAIMS WITH ANY OTHER PARTY’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR COLLECTIVE PROCEEDING.
Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules. Arbitration under this agreement shall be held in the United States county where you live, or if you no-longer live in Ohio at the time of the commencement of arbitration then the arbitration shall be held in the County of Ohio where you last resided or where you lived when you became a member of River Valley, or any other location we mutually agree to, subject to Ohio law. The arbitration may award on an individual basis the same damages and relief as a court (including injunctive relief). Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
This agreement to arbitrate does not preclude you from bringing issues to the attention of federal, state, or local agencies. Such agencies can, if the law allows, seek relief against us on your behalf.
OPT-OUT OF AGREEMENT TO ARBITRATE: You can decline this agreement to arbitrate by emailing River Valley at marketing@rivervalleycu.org and providing the requested information as follows: (1) your name, (2) your address, (3) your phone number, (4) the URL containing the Arbitration and Class Action Waiver provision for the River Valley SMS Terms and Conditions, and (5) clear statement that you wish to opt out of this arbitration provision. This opt-out notice must be emailed no later than 30 days after the date you first accept these River Valley Terms and Conditions.