Terms of Use

Last Updated: February 2, 2026

1. Acceptance of Terms

Welcome to niccoinc.org. By accessing and using this website, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these Terms of Use, please do not use this website.

2. Nature of Website

2.1 Informational Purpose

This website is an informational landing page designed to provide information about HarborOne Credit Union's online and mobile banking services. This website is NOT the official website of HarborOne Credit Union.

2.2 No Banking Services

We do not provide banking services, financial services, or credit union services directly. This website serves solely as an informational resource and lead generation platform.

2.3 No Financial Advice

The information provided on this website does not constitute financial advice, banking advice, or professional consultation. You should consult with qualified professionals for specific financial guidance.

3. Use of Website

3.1 Permitted Use

You may use this website for lawful purposes only, including:

  • Learning about HarborOne online and mobile banking services
  • Submitting inquiries through our contact forms
  • Accessing informational content

3.2 Prohibited Use

You may not:

  • Use the website for any illegal purpose
  • Attempt to gain unauthorized access to any portion of the website
  • Interfere with or disrupt the website's operation
  • Submit false or misleading information
  • Use automated systems to access the website without permission
  • Reproduce, duplicate, or copy any content without authorization

4. Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of niccoinc.org or its content suppliers and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this website without express written permission.

5. Disclaimer of Warranties

5.1 "As Is" Basis

This website is provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding:

  • The accuracy, completeness, or reliability of information
  • The availability or uninterrupted access to the website
  • The fitness for a particular purpose
  • The absence of errors or viruses

5.2 Information Accuracy

While we strive to provide accurate and up-to-date information about HarborOne banking services, we do not guarantee the accuracy, completeness, or timeliness of any information. For official and current information, please contact HarborOne Credit Union directly.

6. Limitation of Liability

To the fullest extent permitted by law, niccoinc.org and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

  • Your use or inability to use the website
  • Any errors or omissions in the content
  • Any unauthorized access to or use of our servers
  • Any interruption or cessation of transmission
  • Any decisions made based on information from this website

7. Third-Party Links

This website may contain links to third-party websites. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites.

8. User Submissions

By submitting information through our contact forms, you grant us the right to use, store, and process that information as described in our Privacy Policy.

You represent and warrant that any information you submit is accurate and that you have the right to submit such information.

9. Indemnification

You agree to indemnify, defend, and hold harmless niccoinc.org and its operators from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

  • Your use of the website
  • Your violation of these Terms of Use
  • Your violation of any rights of another party

10. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes your acceptance of the modified terms.

We encourage you to review these Terms of Use periodically.

11. Modifications to Website

We reserve the right to modify, suspend, or discontinue any aspect of the website at any time without notice or liability.

12. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Any disputes arising from these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts in the applicable jurisdiction.

13. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms of Use, together with our Privacy Policy and other legal notices published on this website, constitute the entire agreement between you and niccoinc.org regarding your use of the website.

15. Contact Information

If you have any questions about these Terms of Use, please contact us:

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