Tennessee Credit Union League
1317 Hickory Valley Road
Chattanooga, TN 37421
423-899-2425
www.yourleague.org
Effective Date: October 20, 2025
Agreement to Terms
THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES, YOU AGREE TO BE BOUND BY THESE TERMS.
Website Purpose
This website has been established by Tennessee Credit Union League for the purpose of conveying information about services and resources available to our member credit unions, facilitating communication between Tennessee Credit Union League and its members, providing advocacy information for the credit union industry, and promoting programs offered through our service corporation, CU Services, Inc., and our subsidiary, Point Rock Group.
Agreements Control
Nothing contained in any page on this site takes the place of Tennessee Credit Union League’s formal agreements, contracts, and disclosures that govern its services and products. If any information on the site conflicts with that in Tennessee Credit Union League agreements and disclosures, the formal agreements and disclosures will control.
Nature of Information and Services
The information, services, and products provided through this website are offered with the understanding that Tennessee Credit Union League is not engaged in rendering legal, accounting, tax, or other professional advice. If professional assistance is required, you should seek the services of a qualified professional.
Content and opinions expressed on this website, including blog posts and articles, represent the views of individual authors and do not necessarily reflect the official policy or position of Tennessee Credit Union League.
Accuracy of Information
Tennessee Credit Union League will use reasonable efforts to ensure that all information displayed is accurate; however, we cannot guarantee that all content is always correct, complete, or up-to-date. Users are responsible for verifying information before relying on it for any purpose.
Links to Other Websites
From time to time, Tennessee Credit Union League may place links to other websites on this page. Tennessee Credit Union League has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.
Copyright and Intellectual Property
The information and materials contained in this website are owned by Tennessee Credit Union League or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
Assumption of Risk
By using our services or purchasing products or services recommended through our service corporation or subsidiary entities, you acknowledge and assume all risks associated with such use.
Limitation of Warranties
Tennessee Credit Union League makes no warranties of any kind regarding the products and services offered on this site. Tennessee Credit Union League expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus.
To the maximum extent permitted by law, all products, services, and information are provided “as is” without warranties of any kind, either express or implied.
Limitation of Liability
Tennessee Credit Union League is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential, and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to, the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if Tennessee Credit Union League has been informed of the possibility of such loss or damage.
In all cases, Tennessee Credit Union League’s total liability shall not exceed the greater of the amount you paid for the applicable product or service, or $1.00 USD.
Additional Disclaimers for Point Rock Group Services
The following additional disclaimers apply specifically to health insurance and health benefits services offered through Point Rock Group, a subsidiary of Tennessee Credit Union League.
For-Profit Entity Statement
The health plans offered on this website are provided by Cigna, TruHealth, and SB/A CoOp. Point Rock Group is acting as a for-profit broker for such plans and is not, nor does it intend to warrant itself as, a health insurance provider. The broker acts solely as an intermediary to facilitate the connection between consumers and third-party insurers. All information compiled on this website has been provided to Point Rock Group from the underlying health plan offerors. Point Rock Group makes no representations and warranties about the plans, and each consumer should do his/her own research into which plan is right for them before purchasing. This disclaimer is designed to comply with federal regulations and the Tennessee Consumer Protection Act.
Language Services
We are committed to ensuring that our services are accessible to individuals with limited English proficiency. Language assistance services are available on the underlying health provider’s websites, including taglines in the top 15 languages spoken by the limited English proficient population. For assistance, please contact the underlying health provider.
Qualified Health Plans vs. Non-Qualified Health Plans
Please note that some programs offered are Qualified Health Plans (QHPs) through the Health Insurance Marketplace (Exchange) and are eligible for tax credits and cost-sharing reductions. Non-QHPs do not qualify for these financial benefits. Consumers are advised to verify the details of any health plan directly with the insurer before making any decisions. This includes, but is not limited to, coverage options, premiums, and terms of service. For more information on QHPs, visit the Health Insurance Marketplace at HHS.gov.
HHS Universal Disclaimer
Applicants are informed that other QHP products are available through the Health Insurance Marketplace. For a comprehensive list of available QHPs, please visit the official Exchange website at HHS.gov.
Accessibility for Individuals with Disabilities
We strive to make our information accessible to individuals with disabilities. Our website is designed to be accessible, and we offer auxiliary aids and services upon request. For more information, please contact our coordinator, Samuel B. (“Buck”) Orrison at 423-899-2425.
Non-Discrimination Statement
Point Rock Group and the plans offered through this site do not engage in misleading, coercive, or discriminatory practices. We do not discriminate based on race, color, national origin, disability, age, sex, or any other class protected from discrimination by law. We are committed to providing equal access to our services for all individuals.
Health Benefits Disclaimer
One or more of the plans available on our website is a Health Benefits Plan, which is distinct from traditional health insurance. It is crucial for consumers to understand that a Health Benefits Plan does not provide the same level of coverage or benefits typically associated with a full-fledged health insurance policy.
A Health Benefits Plan may offer limited coverage and may not cover all medical expenses or services that a traditional health insurance plan would typically cover. The benefits provided under a Health Benefits Plan may differ significantly from those offered by health insurance, including but not limited to, the scope of services, provider networks, and out-of-pocket costs.
Health Benefits Plans may not be subject to the same regulatory requirements as health insurance plans, which can affect the protections and guarantees available to consumers. We strongly encourage all consumers to thoroughly review the details of any Health Benefits Plan offered on our website. It is essential to understand the specific terms, conditions, and limitations of the plan before making a purchase decision.
Limitation of Liability for Point Rock Group Services
Point Rock Group disclaims any liability for decisions made based on the information provided on this website regarding health insurance and health benefits plans. POINT ROCK GROUP SHALL NOT BE HELD LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OF, OR RELIANCE ON, THE INFORMATION PROVIDED HEREIN REGARDING HEALTH INSURANCE OR HEALTH BENEFITS PLANS.
Point Rock Group reserves the right to update or change these disclaimers at any time. It is the responsibility of the consumer to review these disclaimers periodically for any updates or changes.
Changes to This Disclaimer
This disclaimer may be changed from time to time by posting the updated version on the website. All users agree to be subject to this disclaimer as it changes from time to time.
Governing Law
This disclaimer and the use of this website are governed by the laws of the state of Tennessee.
Contact Information
For general inquiries about Tennessee Credit Union League:
Tennessee Credit Union League
1317 Hickory Valley Road
Chattanooga, TN 37421
Phone: 423-899-2425
For questions specifically related to Point Rock Group health insurance services:
Samuel B. (“Buck”) Orrison
Phone: 423-899-2425
