The following terms of use apply to your access to and use of the DSEM website. These terms and conditions are important, please take a moment and read them carefully. By accessing any page of our website, you agree to be bound by these terms, whether or not you are a member of Andrews Federal Credit Union. If you do not agree to the following terms and conditions, do not access this site or any page thereof.
General Information
All of the information and contents of our website are subject to change without notice. Not all products and services are available in all geographic areas. Your eligibility for specific products and services is subject to determination and approval by DSEM.
Disclaimer of Warranties and Liabilities
All information provided on this website is believed by us to be accurate and reliable as of the date posted on the site. However, due to the possibility of human and mechanical error, as well as other factors, DSEM is not responsible for errors in or omissions from the information contained in this website.
All of the information, materials and functions contained in our website are provided on an "AS IS" basis without warranties of any kind, either express or implied, including, but not limited to warranties or merchantability, fitness for a particular purpose or freedom from computer virus. DSEM does not warrant the adequacy, accuracy, timeliness or completeness of the information and materials included in our website or in other sites linked to or from our website or that the functions provided will be uninterrupted or error-free and expressly disclaims any liability for any errors in or omissions from information, materials and functions included in our website or any other sites linked to or from our website.
In no event will DSEM be liable for any direct or indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with your use of this website or any interruption in the availability of our website, delay in operation or transmission, computer virus, loss of data or otherwise, even if DSEM has been advised of the possibility of such damages or losses.
User Indemnification
You agree to indemnify, defend and hold DSEM harmless from any liability, loss, claim and expense, including attorneys' fees, related to your violation of these terms and conditions or the use of the services and information provided at this website.
Privacy and Use of Information
We understand that you are concerned about privacy. For information about how we treat information provided to us on our website, please refer to our Internet Privacy Policy.
Links to Other websites
Our website may contain links to other websites. Such links are not endorsements of any products or services in those sites and no information in such sites has been endorsed or approved by us. DSEM is not responsible for the content, accuracy or opinions expressed in other websites and such Web sites are not investigated, monitored, or checked for accuracy or completeness by us. Links to non-DSEM websites are provided solely for the purpose of providing easy navigation to information that may be useful to users of DSEM's website.
Copyright
The content, organization, gathering, graphics, design, software, compilation, magnetic translation, digital conversions, and other matters related to this website are protected under applicable copyright, trademark, and other proprietary rights, including but not limited to intellectual property rights. Furthermore, the copying, redistribution, alteration, use, or publication by you of any content or part of this website is prohibited without our prior written consent. You do not acquire ownership rights to any content or document obtained by or through this website.
Location of Operations, Governing Law, and Consent to Jurisdiction
This website (excluding linked sites) is operated and controlled by DSEM from its offices in the State of Penang, Malaysia. While you may choose to access our website from other locations, DSEM makes no representation that any information, materials or functions included in our website are appropriate or authorized for use in other jurisdictions.
Your access from other locations is made on your own initiative; you, and not us, are responsible for compliance with any applicable local laws and regulations.
Your access to and use of our website and these terms are governed by and will be construed in accordance with the laws of the State of Penang without regard to principles of conflicts of laws, to the extent not pre-empted by federal law. In the event that any provision of these terms is held unenforceable, it will not affect the validity or enforceability of the remaining provisions.