Terms and Conditions

Tennessee Credit Union League
1317 Hickory Valley Road
Chattanooga, TN 37421
423-899-2425

Effective Date: October 20, 2025

This web page represents a legal document and is the Terms and Conditions (Agreement) for our website, www.yourleague.org, and services, hereinafter and collectively referred to as the Website.

By using our Website and any associated services, you agree to fully comply with and be bound by this Agreement.

Definitions

The terms “us”, “we”, and “our” refer to Tennessee Credit Union League, the owner of this Website.

The term “Services” refers to any services, event registrations, or products we sell or recommend through our service corporation, CU Services, Inc., or our subsidiary, Point Rock Group. A “Visitor” is someone who browses our Website. The term “User” refers to anyone who accesses or uses our Website.

All text, information, graphics, design, and data offered through our Website or Services, whether produced by Users or by us, are collectively known as our “Content”.

Eligibility

Our Website and Services are intended for use by credit unions, their staff members, and other professionals in the credit union industry. By using our Website and Services, you represent and warrant that you are at least 18 years old and agree to obey all the terms of this Agreement.

Acceptance of Agreement

This Agreement is between you and Tennessee Credit Union League.

THIS AGREEMENT CONTAINS WARRANTY DISCLAIMERS AND OTHER PROVISIONS THAT LIMIT OUR LIABILITY TO YOU. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY AND IN THEIR ENTIRETY, AS USING, ACCESSING, AND/OR BROWSING OUR WEBSITE CONSTITUTES ACCEPTANCE OF THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO BE BOUND TO EVERY TERM AND CONDITION SET FORTH HERE, PLEASE EXIT OUR WEBSITE IMMEDIATELY AND DO NOT USE, ACCESS, OR BROWSE IT FURTHER.

Except as otherwise noted, this Agreement makes up the entire and only Agreement between you and Tennessee Credit Union League and supersedes all other Agreements, representations, warranties, and understandings about our Website, Services, and the subject matter contained herein. However, to use our Website and Services, you may also be required to agree to additional terms and conditions. Those additional terms and conditions will be incorporated into this Agreement unless otherwise stated.

Organizational Membership

Organizational membership in Tennessee Credit Union League is governed by our bylaws and membership agreements, which are separate from these Terms and Conditions. Questions about organizational membership should be directed to our membership team.

Privacy Notice

Our Privacy Notice is considered part of this Agreement and is available on this Website. You must review our Privacy Notice by clicking on the provided link. If you do not accept and agree to be bound by all the terms of this Agreement, including the Privacy Notice, do not use this Website or our Services.

Dispute Resolution

Arbitration

Any legal controversy or claim arising from or relating to this Agreement and/or our Website and Services, excluding legal action taken by us to collect or recover damages for, or obtain any injunction relating to, website operations, intellectual property, and our Services, will be settled solely by binding arbitration following the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim will be arbitrated on an individual basis and will not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration will be conducted in Chattanooga, Tennessee, and judgment on the arbitration award may be entered into any court having jurisdiction thereof. You or we may seek any interim or preliminary relief from a court of competent jurisdiction in Chattanooga, Tennessee necessary to protect our or your rights or property pending the completion of arbitration. Each party will bear half the arbitration fees and costs.

Choice of Law and Jurisdiction

This Agreement will be treated as if it were executed and performed in Chattanooga, Tennessee, and will be governed by and construed following the laws of the state of Tennessee without regard to conflict of law provisions. You agree to submit to the personal jurisdiction and venue of such courts. Any cause of action by you about our Website or Services must be instituted within one year after the cause of action arose or be forever waived and barred.

Limited License

Tennessee Credit Union League grants you a nonexclusive, nontransferable, revocable license to access and use our Website and Services strictly under this Agreement. Your use of our Website and Services is solely for internal, business, and noncommercial purposes related to credit union operations unless otherwise provided for in this Agreement. No printout or electronic version of any part of our Website or Services may be used by you in any litigation or arbitration matter at all under any circumstances.

Password Protected Content

Certain areas of our Website may be password protected. Passwords are provided for authorized access by member credit union staff and other approved users. You agree to:

1. Maintain the confidentiality of any passwords provided to you
2. Not share passwords with unauthorized individuals
3. Notify us immediately if you suspect unauthorized use of a password
4. Accept responsibility for all activities that occur using passwords you have been provided

Legal Compliance

You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of our Website, Content, and Services.

Our Relationship with You

No agency, partnership, joint venture, employee-employer, or franchiser-franchisee relationship is intended or created by this Agreement or your use of our Website and Services.

Representations and Warranties

By using our Website and Services, you represent and warrant that:

1. All information you submit is truthful and accurate
2. Your use of our Website and Services does not violate any applicable law or regulation
3. You are authorized to access any password-protected areas you enter
4. You will not use our Website or Services for any unlawful purpose

Copyright and Intellectual Property

All Content included on our Website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Tennessee Credit Union League or its content suppliers and is protected by United States and international copyright laws.

The compilation of all Content on our Website is the exclusive property of Tennessee Credit Union League and is protected by U.S. and international copyright laws. All software used on our Website is the property of Tennessee Credit Union League or its software suppliers and is protected by United States and international copyright laws.

You may not copy, reproduce, republish, upload, post, transmit, or distribute our Content in any way without our prior written permission. You may download one copy of the information on our Website for your personal, noncommercial use only, provided you keep intact all copyright and other proprietary notices.

Modification or use of the Content except as expressly provided in this Agreement violates the intellectual property rights of Tennessee Credit Union League. Neither title nor intellectual property rights are transferred to you by access to our Website or Services.

You warrant that you will not use our Website or Services to infringe on the intellectual property rights of others in any way. Following the Digital Millennium Copyright Act (DMCA) and other applicable laws, we have adopted a policy of restricting access for individuals whom we judge, in our sole discretion, to be infringers of others’ intellectual property rights.

Prohibited Uses

As a User, you agree not to use our Website or Services to do any of the following:

Prohibited Content

Upload, post, or transmit any content that:

1. Violates any local, state, federal, or international laws
2. Infringes on any patent, trademark, trade secret, copyright, or other proprietary rights of any party
3. Harms, threatens, defames, promotes violence or illegal activities, or is otherwise vulgar, obscene, abusive, harassing, tortious, libelous, invasive of another’s privacy, hateful, or racially, ethnically, or otherwise objectionable
4. Links directly or indirectly to any materials to which you do not have a right to link
5. Contains any private information of any third party, including, without limitation, addresses, phone numbers, email addresses, Social Security numbers, and credit card numbers
6. Contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment
7. Contains any unsolicited or unauthorized advertising, solicitations, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation
8. In the sole judgment of Tennessee Credit Union League is objectionable or restricts or inhibits any other person from using or enjoying our Website or Services, or which may expose Tennessee Credit Union League, our affiliates, or our Users to any harm or liability of any type

Prohibited Use of Content

Use our Content to:

1. Develop a competing website
2. Create compilations or derivative works as defined under United States copyright laws
3. Redistribute it in any manner, including, but not limited to, sale, license, lease, rental, subscription, or any other distribution mechanism
4. Decompile, disassemble, or reverse engineer our Website, Services, and any related software
5. Use our Website or Services in any manner that violates this Agreement or any local, state, federal, or international laws

Use of Information

You grant Tennessee Credit Union League a license to use the information and materials you submit to our Website. By posting, displaying, or transmitting information or other content to our Website, you are granting Tennessee Credit Union League, its officers, directors, employees, agents, consultants, representatives, and affiliates, a license to use such content in connection with the operation of the business of Tennessee Credit Union League, including, without limitation, a right to distribute, copy, transmit, publicly display, reproduce, translate, edit, and reformat such content. You understand and agree that you will not be compensated for any content you provide. By posting content on our Website or through our Services, you warrant and represent that you own the rights to the content or are authorized to post, display, distribute, perform, or transmit such content.

Unlawful Activity

We reserve the right to investigate complaints or reported violations of this Agreement and to take any action we judge appropriate, including, but not limited to, reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your usage history, submitted materials, IP addresses, and traffic information.

Linking

Linking to Our Website

You may provide links to our Website if (a) you do not remove or obscure any portion of our Website by framing, (b) your website does not engage in illegal or pornographic activities, and (c) you stop providing links to our Website immediately upon our request.

Links to Other Websites

Our Website may from time to time contain links to third-party websites. The inclusion of links for any website on our Website does not mean that we endorse, guarantee, warrant, or recommend the services, information, content, and/or data of such third-party websites.

Tennessee Credit Union League has no control over the legal documents and privacy practices of third-party websites; you access any third-party websites at your own risk. We recommend that you review the privacy notice and terms and conditions of those websites to fully understand what information is collected and how it is used.

Payments and Purchases

Event Registrations and Service Purchases

You represent and warrant that if you are purchasing event registrations or services from us or through our recommended service providers:

1. Any payment information you supply is true and complete
2. Charges incurred by you will be honored by your bank or credit card company
3. You will pay the charges incurred by you at the posted prices, including any applicable taxes
4. If your initial payment method is dishonored, you will still pay the incurred charges, including any surcharge we may incur because of the dishonored payment

Cancellation and Refund Policy

Cancellation and refund policies for event registrations and services are specified at the time of purchase and may vary by event or service. Please review the specific cancellation policy for each event or service before completing your purchase. Unless otherwise specified, the following general policies apply:

Event Registrations: Cancellation requests must be submitted in writing. Refunds, if applicable, will be processed according to the cancellation deadline specified for each event. Late cancellations or no-shows may be subject to reduced refunds or no refund.

Services: Cancellation and refund policies for services will be outlined in the specific service agreement or at the time of purchase.

For questions about cancellations or refunds, please contact us using the information provided at the end of this document.

Access Restrictions

We reserve the right to suspend or restrict access to our Website or certain areas of our Website for users who violate this Agreement or engage in prohibited activities. We may do so without prior notice.

Indemnification

You agree to indemnify, defend, and hold us and our partners, agents, officers, directors, employees, subcontractors, successors, assigns, third-party suppliers of information and documents, attorneys, advertisers, service providers, and affiliates free from any liability, loss, claim, and expense, including reasonable attorney’s fees, related to your violation of this Agreement or use of our Website or Services.

Severability and Survival

Should any part of this Agreement be held invalid or unenforceable, that portion will be construed consistent with applicable law and the remaining portions will remain in full force and effect. To the extent that any Content is in conflict or inconsistent with this Agreement, this Agreement will take precedence. Our failure to enforce any provision of this Agreement will not be deemed a waiver of such a provision, nor of the right to enforce such a provision. Our rights under this Agreement will survive any termination of this Agreement.

Changes to Our Agreement

We reserve the right to change this Agreement at any time by providing advance notice of the changes by email or by posting on our Website. These changes will become effective 30 days after the notice is posted. To avoid doubt, no unilateral amendment will retroactively change agreed dispute-resolution provisions of these Terms and Conditions, if any, including, for example, arbitration provisions for then-pending disputes unless the parties expressly agree otherwise. Your continued use of our Website and Services after any change to this Agreement constitutes your acceptance of such change. If you do not agree with the changes to this Agreement, you should discontinue use of our Website and Services.

Additional Terms for Point Rock Group Services

The following additional terms and disclaimers apply specifically to health insurance and health benefits services offered through Point Rock Group, a subsidiary of Tennessee Credit Union League. By using Point Rock Group services or accessing health plan information through our Website, you agree to these additional terms.

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.

Contact Information

If you have any questions about these Terms and Conditions, please contact us at:

Tennessee Credit Union League
1317 Hickory Valley Road
Chattanooga, TN 37421
Phone: 423-899-2425

For Point Rock Group health insurance services:
Samuel B. (“Buck”) Orrison
Phone: 423-899-2425