These terms and conditions (the “Terms”) govern your use of this Community Investment Corporation (“CIC”) website (the “Website”). GENERAL USE RESTRICTIONS All information and documents (the “Materials”) provided on this Website were provided by or to CIC by their respective authors, organizations, borrowers, accountants and/or management (the “Third Party Authors”) and are the proprietary work of the Third Party Authors. Except as stated herein, none of the Materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, other than under the terms of existing agreements with the Third Party Authors. No part of the Website, including logos, graphics, sounds or images, may reproduced or retransmitted in any way, or by any means, without the prior express written permission of CIC. You also may not, without CIC’s prior express written permission, “mirror” any Material contained on this Website on any other server. Nothing on this Website shall be construed as conferring any license under any of CIC’s or any Third Party Authors’ intellectual property rights, whether by estoppel, implication, or otherwise. You acknowledge sole responsibility for obtaining any such licenses. Any unauthorized use of any Materials contained on this Website may violate existing contractual obligations, copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. PRIVACY POLICY As our donor, customer, or employee, you have a right to know how we protect the privacy of the personal information you share with us. We believe your knowledge of our privacy principles and practices will confirm the trust you have placed in us. Examples of information we collect include:
  • Information you provide on an application or other form (i.e. name, address, social security number, or income)
  • Information you provide in order to process an online payment (i.e. email address, phone number, credit card information)
  • Information required to underwrite a loan, including but not limited to business and personal finance information, data from credit reporting agencies, and information to verify employment and/or income
  • Information we get from other sources such as your website and other organizations to verify your status and reputation in the community
Most of the information we collect is obtained from you. We collect information needed only to service and administer your business with us. How Do We Use and Disclose Your Information? The main use of your information is to confirm your identity in the course of business that we perform at your request, to record payments or charitable contributions, or to consider you for employment. Credit and debit card information is collected by a third party agency and is sent to us in an encrypted format, limited to only the personally identifying information required to process your payment (i.e. payment amount, payment date, customer name, etc.).  We do not receive credit or debit card numbers or other payment details such as card expiration dates or CCV numbers. Information may be disclosed to other entities that provide services to us related to your business with us. If necessary, we disclose information when it is required by law. An example is a routine filing to the Internal Revenue Service. We may also disclose certain information to other entities to help us report or prevent fraud. Examples are reports to a regulatory or law enforcement agency. CIC will not share or sell a donor’s personal information with anyone else, nor send donor mailings on behalf of other organizations; however, we may reach out to you electronically to provide information regarding our programs, products, and services.  Emails of this nature will provide you with a choice to opt out of or manage your email preferences, in accordance with all applicable laws governing electronic communication.” THIRD PARTY CONTENT DISCLAIMER Materials provided by Third Party Authors have not been independently authenticated in whole or in part by CIC. CIC does not provide, sell, license, or lease any of the Materials. CIC makes no representations as to the accuracy, timeliness or correct sequencing of the information contained in the Materials or for any decision made or action taken by you in reliance upon the Materials or the information contained therein. The Third Party Authors have authorized preparation of certain financial statement available on this Website. No audit or review has been prepared by CIC of financial information and CIC can express no opinion or any other form of assurance that such information is true, complete and accurate or contains any untrue statement of a material fact or omits to state a material fact required to be stated therein or necessary to make the statements therein not misleading. LINKS TO THIRD PARTY SITES This Website may be linked to other websites which are not under the control of and are not maintained by CIC. CIC is not responsible for the content of those sites. CIC is providing these links to you only as a convenience, and the inclusion of any link to such sites does not imply endorsement by CIC of those sites. Disclaimer of Warranty Unless otherwise explicitly stated, the materials on the website are provided “as is”, and all express or implied conditions, representations and warranties, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement, are disclaimed, except to the extent that such disclaimers are held to be legally invalid. CIC makes no representations, warranties, guaranties as to the quality, suitability, truth, accuracy or completeness of any of the materials contained on the website. Any questions regarding the materials should be directed to the authors of such materials. Limitation of Liability CIC shall not be liable for any damages suffered as a result of using, modifying, contributing, copying, distributing, or downloading the materials. In no event shall CIC be liable for any indirect, punitive, special, incidental, or consequential damage (including loss of business, revenue, profits, use, data or other economic advantage).  However it arises, whether for breach or in tort, even if CIC has been previously advised of the possibility of such damage. You have sole responsibility for adequate protection and backup of data and/or equipment used in connection with the website and will not make a claim against CIC for lost data, re-run time, inaccurate output, work delays or lost profits resulting from the use of the materials. You agree to hold CIC harmless from, and you covenant not to sue CIC for, any claims based on using the website. GENERAL This Website could include inaccuracies or typographical errors. CIC and the Third Party Authors may make improvements and/or changes in the products, services, programs, and prices described in this Website at any time without notice. Changes are periodically made to the Website. Any action related to these Terms will be governed by Arizona law and controlling U.S. federal law. No choice of law rules of any jurisdiction will apply. These Terms represent the entire understanding relating to the use of the Website and prevail over any prior or contemporaneous, conflicting or additional, communications. CIC can revise these Terms at any time without notice by updating this posting. COOKIES A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. CIC uses cookies to help identify and track visitors, their usage of CIC’s website, and their website access preferences. CIC visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using CIC’s websites, with the drawback that certain features of CIC’s websites may not function properly without the aid of cookies. COPYRIGHT NOTICE Copyright 2018 by Community Investment Corporation, Tucson. All rights reserved.