Any individual, organization or public entity that uses the CSE Federal Credit Union (the “website”) does so subject to the following terms and conditions.
Use of website. This website provides information about financial products and services available from or through CSE Federal Credit Union or its subsidiaries and affiliates (“we” or “us”).
We may make changes to the products or services shown on this site at any time. Not all products and services we offer may be available in each of the locations where we do business, and products may not be available in every location on the same terms. Our products and services are offered only in jurisdictions where they may be lawfully offered.
No Personal Advice. This website contains general information about financial or tax topics, and in some places, we provide tools or calculators to help you see how different products may affect your finances. Since we can’t know all of your personal circumstances in an online session, nothing on this website is intended to provide personal financial, tax or legal advice. You must consult with your own financial, tax, insurance and legal advisers. We do not create a fiduciary relationship with you through your use of this site.
Links to Third Party Sites or Products. This website may provide links to websites controlled by third parties who are not CSE Federal Credit Union affiliates or subsidiaries. If we create such a link, we will let you know when you are leaving our website. We disclaim liability for any information, materials, products or services offered at any of the third party sites linked to this website. The availability of a link to another party’s website is provided as a convenience, but it does not constitute an endorsement or sponsorship of any third party or their products, and does not create an affiliation or partnership between CSE Federal Credit Union and any third party. You should also be aware that third parties have different privacy policies than CSE Federal Credit Union , and those third parties may treat your personal information differently than we do, and may have different information security practices.
No warranty. We try to ensure that the information on this site is accurate and up-to-date. However, we do not warrant information appearing on this site or services provided through this site for completeness, timeliness or accuracy. All content is provided “as is,” without warranty of any kind, either express or implied. We disclaim any implied warranty, including but not limited to any warranty of merchant ability, fitness for a particular purpose, or non-infringement.
Limitation of liability. CSE Federal Credit Union will not be liable for any damages if this website is unavailable for any reason, or if your computer or any program you use is infected by a virus or other malicious program. In no event will CSE Federal Credit Union be liable for any special, indirect, incidental or consequential damages, or any damages for loss of use, lost data or lost profits arising out of or relating to the use of this website or the copying, display or use of information accessed through this site, whether or not CSE Federal Credit Union was advised of or aware of the possibility of such damages. This disclaimer of liability is effective without regard to the form of any action, including but not limited to contract, negligence, tort, strict liability or any other theory.
Unauthorized Use. Unauthorized use of our website and computer systems, including but not limited to unauthorized entry into our computer systems, misuse of passwords, or misuse of any information posted to this site, is strictly prohibited. Any attempted unlawful use may subject you to liability for damages or criminal prosecution.
Privacy Policy, Information Security and Online Fraud. Please review our Privacy Policy and information about the types of information we gather when people use our website, and suggestions for protecting the security of your personal information online. Please contact us immediately if you believe that you have been a victim of fraud or identity theft involving an account with us.
Other Service Agreements. If you are a CSE Federal Credit Union member and access your account information or conduct transactions through this site, the terms and conditions of the particular service supplement these website terms and conditions. If these website terms and conditions conflict with the agreement or disclosures governing the particular service you receive from us, the terms, conditions and disclosures governing that particular service will control.
Jurisdiction; Entire Agreement. These website terms and conditions will be governed by and interpreted under the laws of the State of Minnesota, USA, and other applicable federal laws. If any part of these terms and conditions is unenforceable, that part will be considered severable, and will not affect the validity of any remaining provisions.
Accessibility Statement. Compliance status
We firmly believe that the internet should be available and accessible to anyone and are committed to providing a website that is accessible to the broadest possible audience, regardless of ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts its functionality and behavior for screen-readers used by blind users, and for keyboard functions used by individuals with motor impairments.
If you wish to contact the website’s owner please use the website's form
Screen-reader and keyboard navigation
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various behavioral changes, to ensure blind users visiting with screen-readers can read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements:
- Screen-reader optimization:
We run a process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others.
Additionally, the background process scans all of the website’s images. It provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts embedded within the image using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with popular screen readers such as JAWS, NVDA, VoiceOver, and TalkBack.
- Keyboard navigation optimization:
The background process also adjusts the website’s HTML and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.
Additionally, keyboard users will find content-skip menus available at any time by clicking Alt+2, or as the first element of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, not allowing the focus to drift outside.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
- Disability profiles supported on our website
- Epilepsy Safe Profile:
This profile enables people with epilepsy to safely use the website by eliminating the risk of seizures resulting from flashing or blinking animations and risky color combinations. - Vision Impaired Profile:
This profile adjusts the website so that it is accessible to the majority of visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others. - Cognitive Disability Profile:
This profile provides various assistive features to help users with cognitive disabilities such as Autism, Dyslexia, CVA, and others, to focus on the essential elements more easily. - ADHD Friendly Profile:
This profile significantly reduces distractions and noise to help people with ADHD, and Neurodevelopmental disorders browse, read, and focus on the essential elements more easily. - Blind Users Profile (Screen-readers):
This profile adjusts the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is installed on the blind user’s computer, and this site is compatible with it. Keyboard Navigation Profile (Motor-Impaired): this profile enables motor-impaired persons to operate the website using the keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
- Epilepsy Safe Profile:
Additional UI, design, and readability adjustments
- Font adjustments –
Users can increase and decrease its size, change its family (type), adjust the spacing, alignment, line height, and more.
- Color adjustments –
Users can select various color contrast profiles such as light, dark, inverted, and monochrome. Additionally, users can swap color schemes of titles, texts, and backgrounds with over seven different coloring options.
- Animations –
Epileptic users can stop all running animations with the click of a button. Animations controlled by the interface include videos, GIFs, and CSS flashing transitions.
- Content highlighting –
Users can choose to emphasize essential elements such as links and titles. They can also choose to highlight focused or hovered elements only.
- Audio muting –
Users with hearing devices may experience headaches or other issues due to automatic audio playing. This option lets users mute the entire website instantly.
- Cognitive disorders –
We utilize a search engine linked to Wikipedia and Wiktionary, allowing people with cognitive disorders to decipher meanings of phrases, initials, slang, and others.
- Additional functions –
We allow users to change cursor color and size, use a printing mode, enable a virtual keyboard, and many other functions.
Assistive technology and browser compatibility
We aim to support as many browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share, including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS, and NVDA (screen readers), both for Windows and MAC users.
Notes, comments, and feedback
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating, improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility following technological advancements. If you wish to contact us, please use our contact form.
Updates. We reserve the right to revise these Terms and Conditions at any time by updating this agreement online. Revisions will be effective as of the time the revised agreement is posted online. We are not required to notify you of changes to these Terms and Conditions before they become effective.
You may not copy the material on this site, upload, post, publish, transmit or distribute it in any way (whether electronically or otherwise) or create other works based on it, including but not limited to use as meta tags on other pages or sites on the World Wide Web without CSE Federal Credit Union ’s prior written consent. Copies made incidentally in the ordinary course of your use of this website (such as in cache memory) and a reasonable number of printed copies for your own personal or internal business use are permitted, provided you do not delete or change any copyright, trademark or other notices. Title to and all intellectual property rights in the material on this site remain in CSE Federal Credit Union and its licensees.
The trademarks, logos and service marks (the “Marks”) displayed on the website are the property of CSE Federal Credit Union and other parties.