Terms of Service

Acceptance of These Terms

These Terms of Service ("Terms") are a binding agreement between you and Futureville, LLC d/b/a CUNinjas ("Company", "we", "us", or "our"), a limited liability company organized under the laws of the State of Wyoming and the operator of the website and services at cuninjas.com (the "Service"). You accept these Terms by checking an acceptance box where one is presented (for example at registration or checkout), by creating an account, or by using the Service, and you also agree to our Privacy Policy. If you do not agree, do not use the Service. These Terms contain a binding arbitration provision and a class-action waiver (see "Dispute Resolution" below), which affect how disputes between you and the Company are resolved.

Eligibility

• The Service is intended for credit-union and industry professionals using it for business or professional purposes.
• You must be at least 18 years old and able to form a binding contract.
• You must provide accurate registration information, including a valid work email and your employer (credit union or vendor) affiliation, and keep it current.
• You may maintain only one account, and you may not share your account or let others use it.

We review registrations, and access may require approval. We may decline, suspend, or remove accounts at our discretion, including where affiliation cannot be verified.

Accounts & Security

You are responsible for safeguarding your password and for all activity under your account. We store passwords only as one-way hashes and offer multi-factor authentication, which we encourage you to enable. Notify us promptly at legal@cuninjas.com if you suspect unauthorized use. If you were migrated from the predecessor community, you must set a new password through the password-reset flow before signing in.

Membership Tiers & Paid Subscriptions

The Service offers several membership tiers:

• Recruit: a free tier.
• Ninja: for credit-union members, an earned tier recognized for community activity and participation, which is not for sale. For vendor members, Ninja may be either earned through community activity or purchased as a paid annual subscription. Ninja may have an associated expiry and can be adjusted or removed at our discretion.
• Sensei: a paid individual subscription; for credit-union members it is priced by the credit union's asset tier, and for vendor members it is a flat annual per-seat price.
• Dojo: a paid whole-organization subscription covering everyone at your credit union or vendor company; for credit unions it is priced by asset tier, and for vendors it is a flat annual price.

The current price, billing interval, and any applicable asset-tier banding for each paid tier are those presented to you on the applicable pricing or checkout page at the point of purchase. Prices may change on a going-forward basis.

Billing, automatic renewal, and cancellation. Paid subscriptions are sold at the prices and for the intervals presented at the time of purchase. Unless you cancel, a paid subscription renews automatically at the end of each term for a successive term of the same length, and the then-current renewal price is charged to your payment method on or around the renewal date. We will provide any pre-renewal notice required by applicable law. You may cancel at any time through your account settings or by contacting us at legal@cuninjas.com; cancellation stops the next renewal and takes effect at the end of the then-current paid term. Where required by applicable automatic-renewal laws (for example, California's Automatic Renewal Law), we will disclose the renewal terms clearly before purchase and provide an easy means of cancellation. When online payment is enabled, payments are handled by our third-party payment processor (such as Stripe); your payment is also subject to the processor's terms. We do not store full payment card numbers.

Refunds. Except where required by law, all fees are non-refundable, and we do not pro-rate or refund fees for partial subscription periods or for the unused portion of a term. Canceling a paid subscription stops the next automatic renewal but does not entitle you to a refund of amounts already paid for the current term; your access continues through the end of that term. Notwithstanding the foregoing, we will refund or credit, as applicable: amounts charged for credits or services that were not delivered; duplicate or erroneous charges; the unused portion of fees where we terminate your paid access without cause, or where a paid service suffers a material and prolonged failure attributable to us; and any amount applicable law requires us to refund. We may also, at our sole discretion and without any obligation, grant a refund or account credit in any other individual case. Nothing in this section limits any refund or cancellation right that applicable law makes non-waivable, including any right you may have under automatic-renewal or online-purchase laws.

AI credits. Purchased AI credit packs do not expire, are nontransferable, have no cash value, and may be used only for CUNinjas services. Purchased credits are non-refundable once purchased, except that if we permanently discontinue the AI credit service we will refund the unused portion of your purchased credits. Monthly AI credits included with a paid subscription are part of that subscription and are not promotional; they roll over and expire twelve months after the date each monthly grant is issued.

Acceptable Use

This is a professional community. You agree not to:

• post spam, advertising, or solicitations outside designated areas, or harass, threaten, defame, or abuse others;
• post content that is unlawful, infringing, obscene, or otherwise objectionable;
• impersonate any person or organization or misrepresent your affiliation;
• post confidential information, material non-public information, or another person's personal information without authorization;
• scrape, crawl, harvest, or bulk-download the Service or its data, or use bots or automated means except as expressly permitted;
• attempt to gain unauthorized access to the Service, other accounts, or our systems, or interfere with their operation;
• use the Service in violation of applicable law or these Terms.

Conduct yourself professionally. We may review, moderate, and remove content and may suspend or terminate accounts for violations.

User Content & License

"User Content" is anything you post or submit, including discussion posts, vendor reviews, job postings, articles, profile information, and attachments. You retain ownership of your User Content.

By posting User Content, you grant the Company a non-exclusive, worldwide, royalty-free, sublicensable license to host, store, reproduce, display, distribute, and adapt that content as needed to operate, promote, and improve the Service, consistent with your visibility settings and our Privacy Policy. You represent that you have the rights to post your User Content and that it does not violate these Terms or any third party's rights.

Any promotional or marketing use of your User Content will respect your visibility settings. In particular, we will not attribute a vendor review to you, or reveal your name or credit union in connection with it, in a manner inconsistent with the review-visibility setting you selected for that review, except where you consent, to address a safety issue, to enforce these Terms, or when valid legal process requires it. We do not promise absolute anonymity. See our vendor review and response policy for how reviewer identity is handled.

You are solely responsible for your User Content. We are not obligated to monitor it, but we may review, moderate, edit, or remove any content, and may withhold approval, at our discretion.

CU411 and NCUA Data — Disclaimer

The CU411 benchmarking and credit-union profile features are built on public NCUA Call Report data. This information is provided "as is" and for general informational purposes only. It is not financial, investment, accounting, regulatory, or legal advice, and you should not rely on it as such. We do not warrant that the data or any derived calculation is accurate, complete, current, or fit for any particular purpose. The Company is not affiliated with, sponsored by, or endorsed by the National Credit Union Administration (NCUA) or any government agency.

Corrections. Figures are computed by our software from public data and, despite our efforts, may contain errors. Where a report or profile offers a way to flag a figure, you can use it to tell us about a suspected error (or email legal@cuninjas.com); we review flagged figures and correct verified errors. To the fullest extent permitted by law, correction or removal of the affected figure is your sole and exclusive remedy for any error in data or derived calculations on the Service.

Vendor Directory & Reviews — Disclaimer

Vendor reviews reflect the personal opinions of the members who wrote them. They are not the views or endorsements of the Company, and we do not independently verify their accuracy. Listing in the vendor directory is not an endorsement. You are responsible for your own evaluation and due diligence before engaging any vendor. If you believe a review names or makes a false statement of fact about a specific individual or organization, tell us through our vendor review and response policy or email legal@cuninjas.com; we act on good-faith complaints and do not rely on this disclaimer to keep up a review that makes a false factual accusation about a specific person.

Job Board — Disclaimer

Job postings are provided by employers and other third parties, or compiled from third-party sources. We do not screen, endorse, or guarantee any posting, employer, or applicant, and we are not a party to any employment relationship or hiring decision. You engage with postings and employers at your own risk and should verify details directly with the employer.

Intellectual Property

The Service, including its software, design, text, graphics, and the CUNinjas and "Ninja" names, logos, and marks, is owned by the Company or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your internal professional use. You may not copy, modify, distribute, sell, or create derivative works from the Service except as expressly permitted.

Third-Party Links & Content

The Service includes a newsfeed and other features that link out to third-party publishers and websites (the newsfeed shows only a headline, source, and date, and does not host article images or bodies). We do not control and are not responsible for third-party sites or their content. Following a link is at your own risk and subject to that site's terms. For copyright concerns, see our DMCA Policy.

Disclaimer of Warranties

The Service and all content are provided "as is" and "as available", without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage. We do not warrant that the Service will be uninterrupted, secure, or error-free, or that any content or data is accurate or reliable. Some jurisdictions do not allow certain disclaimers, so some of these may not apply to you.

Limitation of Liability

To the fullest extent permitted by law, the Company and its officers, members, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or goodwill, arising out of or relating to your use of (or inability to use) the Service. To the fullest extent permitted by law, our total liability for all claims relating to the Service will not exceed the greater of the amount you paid us for the Service in the twelve months before the claim or one hundred U.S. dollars ($100). Nothing in these Terms limits or excludes liability for our gross negligence, fraud, or willful misconduct, or any other liability that cannot be limited or excluded under applicable law. Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

Indemnification

You agree to indemnify and hold harmless the Company and its officers, members, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your User Content, your use of the Service, or your violation of these Terms or of any law or third-party right.

Termination

You may stop using the Service and close your account at any time. We may suspend or terminate your access at any time, with or without notice, if you violate these Terms or if we discontinue the Service. Provisions that by their nature should survive termination (including ownership, disclaimers, limitation of liability, indemnification, dispute resolution, and governing law) will survive.

Dispute Resolution: Binding Arbitration & Class-Action Waiver

Please read this section carefully. It requires most disputes to be resolved by binding individual arbitration rather than in court, and it waives class actions and jury trials.

Talk to us first. Before starting any formal proceeding, you agree to send a written description of your dispute to legal@cuninjas.com or to Futureville, LLC, 26992 Cox Drive, Mechanicsville, MD 20659, and to give us sixty (60) days to try to resolve it informally with you. Most concerns can be fixed this way, and we will make a good-faith effort to do so.

Binding arbitration. If we cannot resolve a dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its applicable rules (its Commercial Arbitration Rules, or its Consumer Arbitration Rules where they apply), before a single arbitrator. The arbitration will be conducted by videoconference or, if an in-person hearing is required, in the county where you reside or another location the parties agree on. Judgment on the arbitration award may be entered in any court with jurisdiction. This arbitration agreement is governed by the Federal Arbitration Act.

Individual claims only; class-action and jury waiver. To the fullest extent permitted by law, all claims must be brought in the parties' individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding, and the arbitrator may not consolidate claims or preside over any form of representative proceeding. You and the Company each waive the right to a trial by jury and the right to participate in a class action. If the prohibition on class or representative proceedings is found unenforceable as to a particular claim, then that claim (and only that claim) must proceed in court, and the remainder of this section stays in effect.

Exceptions. Either party may (a) bring an individual claim in small-claims court if it qualifies, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual-property rights or to address unauthorized access to or abuse of the Service.

Your right to opt out. You may opt out of this arbitration agreement by emailing legal@cuninjas.com within thirty (30) days after you first accept these Terms, stating your name, the email on your account, and that you are opting out of arbitration. Opting out does not affect any other part of these Terms.

Governing Law & Venue

These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws rules. For any dispute that is not subject to arbitration under the section above, you agree that the state and federal courts located in the State of Wyoming will have exclusive jurisdiction, and you consent to their jurisdiction and venue. Nothing in this section deprives you of protections of the law of the place where you live that cannot be varied by contract.

Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date above and, where appropriate, provide additional notice. Your continued use of the Service after an update means you accept the revised Terms.

Relationship to the Privacy Policy and DMCA Policy

Our Privacy Policy explains how we handle personal information and is incorporated into these Terms. Our DMCA Policy explains how to report claimed copyright infringement.

Contact Us

Questions about these Terms? Contact us at legal@cuninjas.com or Futureville, LLC, 26992 Cox Drive, Mechanicsville, MD 20659.