Terms & Conditions

1. Acceptance of terms

1.1 The Jamaica Teachers Association Co-operative Credit Union Limited (JTACCUL) is dedicated to ensuring the accessibility, privacy and security of its website.. The following terms of use and statements form the terms of contract between the Jamaica Teachers Association Co-operative Credit Union Limited and the user of the website.

1.2 The JTACCUL website is provided as a service to those who access it. The Payment Portal is offered to Active members of the JTACCUL only. Use of the payment portal is subject to the user agreeing to the terms and conditions outlined below.

1.3 The Terms, Conditions and Policies are entered into and agreed by and between the JTACCUL and the user. If the user is using the Payment Portal on behalf of a member, the user represents that the user is authorized to accept these terms, conditions and policies on the employer’s behalf.

1.4 These Terms Conditions and Policies may be modified or amended from time to time without notice. The user’s continued use of this Service thereafter constitutes an acceptance of the changes and an agreement to be bound by said changes. Any user, who does not agree to the changes, agrees to discontinue the use of the payment portal. Modifications and/ or amendments are posted on the website. It is the responsibility of every user to check for amendments and/or modifications.

1.5 You agree that by commencing use of the Payment Portal and subsequently beginning or continuing to use the Payment Portal you consent to be bound and become a party to this agreement. In addition, you agree to comply with any amendments to this agreement by continuing to use the services of the Payment Portal after the amendment has been published on the site. The current and binding terms of this agreement are always set forth on this website.

1.6 If at any time you do not agree or no longer agree to comply with the terms of this Agreement you have the right and duty to terminate this Agreement.

2. Usability

2.1 The use of this medium to remit payment should not be used as a substitute for exercising diligence to verify that payment has been made to the correct account and for the products and services desired.

2.2 Decisions and Activities carried out based on the payment remitted before it is verified to have been applied to the members account are done at the user’s own risk. Use of this website to jeopardize its functioning and/or affect the information provided on this website or the underlying software is strictly prohibited.

3. Content

3.1 It is the purpose of the JTACCUL payment portal to provide an efficient medium to make payment to the account to the range of products and services that the member subscribes to.

3.2 The JTACCUL intends to maintain current and accurate information on its website.

3.3 The JTACCUL reserves the right to change the information on the website and/or the products mentioned at any time without notice.

3.4 The JTACCUL website contains links to other Websites. The JTACCUL is not responsible for the privacy practices, services, or information residing on those websites.

3.5 Website/page design, HTML coding, interactive Web applications, scripts, and/or custom Website graphics and certain photographs are NOT public domain and require expressed permission from the JTACCUL for use and/or implementation on any Website that is not maintained by the JTACCUL.

4. Security

4.1 Our web site has security measures in place to protect the loss, misuse, and alteration of the information under our control. Only certain employees have access to the information you provide us. They have access only for data analysis and quality control purposes. Our customers communicate securely using the Secure Sockets Layer (SSL – 128bit) technology, the standard for secure communications on the Web.

5. Information Sharing and Disclosure

5.1 The JTACCUL and does not rent, sell, or share personal information about you with other people or legal personas, except to provide products or services you have requested, when we have your permission, or under the following circumstances:

  • to respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims;
  • In relation to activities of suspected fraud, potential threats to the physical safety of any person, violations of JTACCUL’s terms of use, or as otherwise required by law.

5.2 We may use your information to send you advice on products or services offered by JTACCUL and to send you relevant survey invitations related to the JTACCUL services.

6. Transaction security

6.1 We aim to provide a safe and convenient online payment experience. When you make a payment using the Payment Portal, we endeavour to safeguard the integrity of your credit card information.

6.2 If you are submitting personal details including credit card numbers, or other information over the Internet which you wish to remain private, do note that, while all attempts are made to secure information transmitted to this website, there is the possibility that information submitted maybe viewed and/or detected by a third party while in transit.

6.3 If you are uncomfortable doing business online you may make your payment at the JTACCUL offices in Jamaica and do business. Member Service Representatives will assist you.

7. Service Provided “As-Is”

The JTACCUL cannot always foresee or anticipate technical or other difficulties. These difficulties may result in loss of data or personalization settings, or other service interruptions. For this reason, you agree that the Service is provided “As-Is”, without warranties of any kind. We do not assume responsibility for timeliness, errors or inaccuracies, deletion, missed delivery, or failure to store any user data, communications or personalized settings.

8. Errors and Questions

In case of errors or questions about any transaction, a user should notify us as soon as possible via one of the following:

If the user thinks there was a transaction error he/she must contact the JTACCUL as aforementioned within seven (7) days of the transaction. Such a user must:

  • tell us your name and account number
  • describe the error or the transaction in question
  • explain as clearly as possible why you believe it is an error

Any user, who verbally contacts the JTACCUL, may be required to send his/her complaint in writing.

9. Account Number and Password

9.1 A user of the Payment Portal will not be required to use a password to use the portal.  The user is responsible to enter his account number. The JTACCUL will not be liable for any damage or loss that may be incurred as a result of the use of their account numbers, either with or without the user’s knowledge.

9.2 The user agrees to immediately notify the JTACCUL of any unauthorized use of the account or any breach of security.

9.3 The JTACCUL will not be liable for any loss or damage arising from the user’s failure to comply with this Section.

10. Disclaimer

10.1 EXCEPT AS EXPRESSLY STATED IN AN AGREEMENT BETWEEN THE USER AND THE JTACCUL, ALL CONTENT, SERVICES, PRODUCTS AND SOFTWARE PROVIDED ON THIS WEB SITE ARE PROVIDED AS IS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. THE JTACCUL, ITS LICENSORS AND PROVIDERS OF DATA, DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED INCLUDING WITHOUT LIMITATION THOSE OF ACCURACY, COMPLETENESS, CURRENCY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON INFRINGEMENT. THE JTACCUL AND OR LICENSORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTIAL OR PUNITIVE DAMAGES INCLUDING ANY LOSS OF PROFIT EVEN IF THE JTACCUL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.2 IT IS THE INTENTION OF THE JTACCUL TO PROVIDE USERS WITH INFORMATION TO ASSIST IN THE CONDUCT OF BUINESS WITH OUR RESPECTIVE OFFICES.

10.3 USERS AGREE THAT THEY EXPRESSLY UNDERSTAND AND AGREE THAT: THE USE OF THE SERVICE IS AT THEIR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. JTACCUL EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.

10.4 THE JTACCUL MAKES NO WARRANTY THAT:

  1. THE SERVICE WILL MEET THE USERS REQUIREMENTS.
  2. THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
  3. THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE.
  4. THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY THE USER THROUGH THE SERVICE WILL MEET THE USER’S EXPECTATIONS.
  5. ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.

10.5 ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT THE USER’S OWN DISCRETION AND RISK AND THE USER IS SOLELY RESPONSIBLE FOR ANY DAMAGE TO HIS/HER COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION WHETHER ORAL OR WRITTEN, OBTAINED BY THE USER FROM THE JTACCUL OR THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS AND CONDITIONS.

11. INDEMNITY

11.1 The user agrees to indemnify and hold the JTACCUL, affiliates, officer, agents, co-branders or other partners, and employees, harmless from any claim or demand including claims for attorneys fees, made by any third party due to or arising out of the use of the Site, connection to the Site, violation of the Terms and Conditions, or violation of the rights of another, or violation of any copyright law or any other applicable laws.

12. Registration considerations

12.1 In consideration of the use of this Site, the User agrees to: a. provide true, accurate, current and complete information as required.

12.2 If any untrue, inaccurate, out of date or incomplete information is provided, or the JTACCUL has reasonable grounds to suspect that information is untrue, inaccurate, out of date or incomplete the JTACCUL has the right to suspend or discontinue the services and refuse any and all current or future use of the Site (or any portion thereof). 12.3 The JTACCUL will not be liable for any loss or damage arising from the user’s failure to comply with this Section.

13. Obey the Law:

13.1 Users agree not to use the Service for illegal purposes or for the transmission of material that is or may be unlawful, harassing, libelous (untrue and damaging to others), invasive of another’s privacy, abusive, threatening, obscene, or that infringes the rights of others. The JTACCUL may immediately discontinue the Service if it believes you are acting in any such way.

14. ADDITIONAL TERMS AND CONDITIONS

14.1. The user may view, download and print contents from the Site.

14.2. The user is required to keep all personal, information, through this service strictly confidential and to maintain adequate security to protect such confidentiality at all times.

14.3. The user must provide and is responsible for all equipment necessary to access the Site.

14.4. The JTACCUL may at any time change the availability of data or databases, conditions of use of this system or the license fee(s) payable for use of this system. Continued use of this system after any change will be considered acceptance of such change by the user.

14.5. The JTACCUL may terminate the user access to this service for non-compliance with any term and condition.

14.6. The JTACCUL is not liable to the user for any loss or damage due to:

  1. a) use of the data or databases by the user, other than any liability imposed by legislation;
  2. b) incidental, special or consequential damages, whether direct or indirect;
  3. c) loss of investment, profits or business opportunity by the user;
  4. d) loss of access to the data or databases for any reason beyond the reasonable control of the JTACCUL;
  5. e) loss of data for any reason beyond the reasonable control of the JTACCUL;
  6. f) operational problems or system breakdown of the system providing access to this service;
  7. g) changes in availability of data, conditions of system use or license fee changes as a result of policy changes
  8. h) termination of access rights

14.7. Any material downloaded or otherwise obtained through the use of the Site is done at the users own discretion and risk and the user will be solely responsible for any damage to the users computer system or loss of data that results from the download of such material.

14.8. No advice or information, whether oral or written, obtained by the user from the JTACCUL or through or from the Site shall create any warranty not expressly stated in the Terms and Conditions.

14.9. The user agrees not to use the JTACCUL domain name as a pseudonymous return email address for any communication that the user transmits from another location or through another Site or service; and may not pretend to be someone else, or prove their identity when using the Site.

14.10. The user may submit comments and provide suggestions so long as such comment or suggestion is not obscene, illegal, threatening, or defamatory and so long as any information submitted does not invade the privacy or infringe the intellectual property of a third party. Further, such submitted information may not contain software viruses, mass mailing, chain letters, or any form of Spam. You may not use any false email address, impersonate any person or entity, or otherwise mislead as to the origin of the information.

15. NO RESALE OF SERVICE

15.1. The user agrees not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Site, use of the Site, or access to the Site.

15.2. The user hereby acknowledges the Site and any necessary software used in connection with the Site contain proprietary and confidential information that is protected by applicable intellectual and other laws.

15.3. Except as expressly authorized by the JTACCUL, the user agrees not to modify, rent, lease, loan, sell, distribute or create derivative works of information based on the Site or the software, in whole or part.

15.4. The JTACCUL grants the user a personal, non-transferable and non-exclusive right and license to use the object code of its software on a single computer; provided that the user or any third party shall not copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the software.

15.5. The user agrees not to modify the software in any manner or form, or to use modified versions of the software, including (without limitation) for the purposes of obtaining unauthorized access to the Site.

15.6. The user agrees not to access the Site by any means other than through the interface that is provided by the JTACCUL for use in accessing the Site.

16. Enforcement of Terms and Conditions

16.1 The failure of the JTACCUL to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. If any provision of the Terms and Conditions if found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the other provisions of the Terms and Conditions remain in full force and effect.

16.2 The section titles in the Terms and Conditions are for convenience only and have no legal or contractual effect.

17. Copyrights and Trademarks

17.1 We authorize you to view and download the materials in this website only for your personal and non-commercial use, provided that you retain all copyright, trademark and other proprietary notices contained in the original materials on any copies you make of the materials.

17.2 You may not modify the materials at this website in any way or reproduce or publicly display, distribute or otherwise use them for any public or commercial purpose. Any use of these materials on any other website or networked computer environment for any purpose is prohibited.

17.3 If you breach any of these Terms of Use, your authorization to use this website automatically terminates and you must immediately destroy any downloaded or printed materials

18. Force Majeure

Users agree that the JTACCUL is not responsible for delays, damages or failures in performance due causes beyond the JTACCUL’s reasonable control including but not limited to, acts of God, acts of third parties, floods, other weather related incidents, strikes or labour related disturbances or an inability to obtain equipment or services.

19. Disputes

19.1 If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

19.2 If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to arbitration. The choice of the Arbitrator is to be the joint decision of the parties to the dispute. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.