DIGITAL WALLET TERMS AND CONDITIONS

Terms for Adding Your Zing Credit Union cards to a Digital Wallet

These Terms for Adding your Zing Credit Union (“Zing”) Card to a Digital Wallet (the “Terms”) apply when you choose to add a Zing debit card, credit card or stored value (“Zing Card”) to a Digital Wallet (“Wallet”).  In these Terms, “you” and “your” refer to the cardholder of the Zing Card, and “we,” “us,” “our,” and “Zing” refer to the issuer of your Zing Card, which is Zing Credit Union.

1. Adding your Zing Card.  You can add an eligible Zing Card to the Wallet by following the instructions of the Wallet provider.  Only Zing Cards that we indicate are eligible can be added to the Wallet.  If your Zing Card or underlying account is not in good standing, that Zing Card will not be eligible to enroll in the Wallet.  When you add a Zing Card to the Wallet, the Wallet allows you to use the Zing Card to enter into transaction where the Wallet is accepted.  The Wallet may not be accepted at all places where your Zing Card is accepted.
2. Your Zing Card Terms Do Not Change.  The terms and account agreement that govern your Zing Card do not change when you add your Zing Card to the Wallet.  The Wallet simply provides another way for you to make purchases with the Zing Card.  Any applicable interest, fees, and charges that apply to your Zing Card will also apply when you use the Wallet to access your Zing Card.  Zing does not charge you any additional fees for adding your Zing Card to the Wallet or using your Zing Card in the Wallet.  The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.
3. Zing is Not Responsible for the Wallet.  Zing is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you.  We are only responsible for supplying information securely to the Wallet provider to allow usage of the Zing Card in the Wallet.  We are not responsible for any failure of the Wallet or the inability to use the Wallet for any transaction.  We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third-party relationships that may impact your use of the Wallet.
4. Contacting You Electronically and by Email.  You consent to receive electronic communications and disclosures from us in connection with your Zing Card and the Wallet.  You agree that we can contact you by email at any email address you provide to us in connection with any Zing account.  It may include contact from companies working on our behalf to service your accounts.  You agree to update your contact information with us when it changes.
5. Removing Your Zing Card from the Wallet.  You should contact the Wallet provider on how to remove a Zing Card from the Wallet.  We can also block a Zing Card in the Wallet from purchases at any time.
6. Governing Law and Disputes.  These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Zing Card is covered.  Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Zing Card agreement.
7. Ending or Changing these Terms; Assignments.  We can terminate these Terms at any time.  We can also change these Terms, or add or delete any items in these Terms, at any time.  We will provide notice if required by law.  We can also assign these Terms.  You cannot change these terms, but you can terminate these Terms at any time by removing all Zing Cards from the Wallet.  You may not assign these Terms.
8. Privacy.  Your privacy and the security of your information are important to us.  U.S. Consumer Privacy Notice applies to your use of your Zing Card in the Wallet.  You agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Zing Card transactions, and to improve our ability to offer these services.  This information helps us to add our Zing Card to the Wallet and to maintain the Wallet.  We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider.
9. Notices.  We can provide notices to you concerning these Terms and your use of a Zing Card in the Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you.  You may contact us at: (303) 573-1170.
10. Questions.  If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider.  If your question, dispute, or complaint is about your Zing Card, then contact us at: (303) 573-1170.

CONSENT TO ELECTRONIC RECEIPT OF STATEMENTS AND OTHER COMMUNICATIONS

Please read this consent to electronic receipt of statements and other communications disclosure carefully. Keep a copy for your records.

Zing Credit Union is required by law to provide to you certain written periodic statements, notices, and other communications. Described below are the terms and conditions for receiving those communications electronically from Consumers, as required by the federal Electronic Signatures in Global and National Commerce Act (“ESIGN”)

Consent to Electronic Delivery of Statements and Other Communications

You are consenting to receive the following communications electronically: statements, disclosures, notices, agreements, changes to terms and conditions, fee schedules, records, documents, and other information we provide to you (collectively, the “Communications” or “Statements”). By consenting to enroll in electronic delivery of eStatements, you are agreeing to electronically receive all of the types of Communications that Zing Credit Union is able to provide in an electronic format. The types of documents available electronically are subject to change, and if additional Communications become available in an electronic format, you agree to receive those Communications electronically. Your consent remains in effect until you give us notice that you are withdrawing it. You also agree that Zing Credit Union does not need to provide you with an additional paper (non-electronic) copy of the Communications disclosed herein, unless specifically requested. Your consent covers all Communications, as described above, relating to any product offered by Zing Credit Union, either now or in the future. We may always, in our sole discretion, provide you with any Communication in writing, even if you have chosen to receive it electronically. Examples of Communications to be provided in electronic form include, but are not limited to, the following:

• Periodic Account Statements
• Monthly Credit Card Billing Statements
• Fee Schedules
• Privacy Notices
• Notices of Amendments to any of your Agreements with Zing Credit Union
• Disclosures and Notices for all Products Offered by Zing Credit Union
• Annual Tax Statements

Paper Delivery of Disclosures and Notices

You have the right to receive a paper copy of the Communications sent electronically. To receive a paper copy, please request it in one of the following ways: send an e-mail message with your name and mailing address to [email protected], call us at 877.293.6328 and speak to the Representative, or write to Zing Credit Union, 1075 Acoma Street, Denver, CO 80204, with your name and mailing address. Be sure to state that you are requesting a copy of the statements, disclosures, notices, etc. You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law. Please refer to the applicable agreement for any fee that may apply for paper copies.

Withdrawal of Electronic Acceptance of Disclosures and Notices

You can contact us in any of the ways described in the preceding paragraph to withdraw your consent to receive any future Communications electronically. You may also change your enrollment to paper statements by entering online banking, clicking statements, and choosing “Discontinue E-Statements”. Please be advised that there may be a fee for receiving paper statements.

Requirements to Access and Retain Information

In order to receive and retain electronic Communications, you must provide, at your own expense, an Internet connected device that is compatible with Zing Credit Union’s Online Banking products. Your device must meet the minimum requirements outlined below. You also confirm that your device will meet these specifications and requirements and will permit you to access and retain the disclosures and notices electronically each time you access and use online banking and other products. You must also have an active email address. It is your responsibility to provide and maintain current email contact information with us. You can update your email address for eStatement and Communications alerts by clicking “Change Email” while in the eStatement and Communications system.

To receive and retain electronic Communications from Zing Credit Union, you must have the following equipment and software:

• A personal computer or other device which is capable of accessing the Internet. Your access to this page verifies that your system/device meets these requirements.
• An Internet web browser such as Internet Explorer 8.0 or Firefox 5.0 which is capable of supporting 128-bit SSL encrypted communications or higher.
• You must have software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader®version4.0 or higher (available for downloading at http://get.adobe.com/reader. ). Your access to this page verifies that your system/device has the necessary software to permit you to receive and access PDF files.

To retain a copy of the electronic Communications from Zing Credit Union, your device must have the ability to download and store PDF files.

FUNDS AVAILABILITY DISCLOSURE – REGULATION CC

Funds Availability Disclosure

This disclosure describes your ability to withdraw funds at Zing Credit Union. It only applies to the availability of funds in the transaction accounts. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this disclosure.

1. General Policy. Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. Electronic deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash, and we will use them to pay checks that you have written. Please remember that even after we have made those funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

2. Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. Depending on the type of check that you deposit, funds may not be available until the 2nd business day after the day of your deposit. However, the first $225 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make the deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take further action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away you should ask us when the funds will be available.

3. Holds on Other Funds. If we cash a check for you that are drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

4. Longer Hold Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:

1. We believe a check you deposit will not be paid
2. You deposit checks totaling more than $5,525 on anyone day
3. You deposit a check that has been returned unpaid
4. You have overdrawn your account repeatedly in the last six (6) months, or
5. There is an emergency, such as failure of communications or computer equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the 7th business day after the day of your deposit.

5. Special Rules for New Accounts. If you are a new member, the following rules will apply for the first thirty (30) days your account is open. Funds from cash, wire transfers, electronic direct deposits will have the same day availability. The first $5,525 of a day’s total deposits of cashier’s, certified, travelers, federal, state and local government, and City and County of Denver payroll checks will have next day availability. The checks must be payable to you. Funds from all other check deposits will be available on the 9th business day after the day of your deposit.

6. Deposits at Nonproprietary ATMs. Funds from any deposits (cash or checks) made at an automatic teller-machine (ATMs) we do not own or operate will not be available until the 5th business day after the day of your deposit.

7. Dividend Payment Policy. Dividends accrue on the daily collected balance and are paid on the last day of each month.

8. Endorsement Procedure. The payee endorsement area is the top 1½ inches of the check. All other areas must be avoided. The Credit Union has right to refuse any check for deposit.

ZING CREDIT UNION EBANKING AGREEMENT & DISCLOSURE

I. Introduction

This Disclosure and Agreement for accessing your Zing Credit Union accounts via eBanking is provided for your information. Please read it carefully as it pertains to your accounts and electronic services and it represents our mutual agreement with respect to transactions on Zing Credit Union’s eBanking. You should print out and keep this disclosure statement for future reference. For the purpose of this Agreement, the terms “we,” “us,” “our,” “Zing Credit Union,” and “credit union” refer to Zing Credit Union. “You” and “your” refers to Members and account owners who have received a password.

Entering your password when you sign in to Zing Credit Union’s eBanking confirms your agreement that you have read, understand and agree to abide by the terms and conditions of this Agreement and acknowledges your receipt and understanding of this disclosure connected with eBanking service. You agree to be bound by future changes in terms, which will be provided electronically. Additionally, you agree to be bound by future changes in terms relating to fees and consumer liability. You agree to review the disclosures that are provided each time you access Zing Credit Union’s eBanking.

Furthermore, you agree that your use of eBanking and your obligations under this Agreement means that you are consenting to the electronic delivery to you by Zing Credit Union of all disclosures, notices, receipts, statements, and other information required by law.  In making this election, you retain the right to notify Zing Credit Union of your decision to rescind this election and to begin receiving disclosures, notices, receipts, statements, in paper form. If you choose to rescind this election, you agree to provide us notification no less than five (5) business days prior to the date that the periodic statement would normally be made available to you.  Further, you agree that you will provide this notification by e-mail as provided herein or by calling Zing Credit Union at (303) 573-1170 or (877) 293-6328. Withdrawal of this consent may result in a change of terms to your checking account with Zing Credit Union.  Please contact Zing Credit Union at the above telephone number to identify how this electronic statement election may affect your account.  If, during the period of time that you have elected to receive statements electronically, and you wish to receive a paper copy of any individual statement, you may do so by contacting Zing Credit Union via e-mail or telephone as provided herein. You agree to pay the fee according to Zing Credit Union’s fee schedule for a statement printout.

We may change terms or amend this Agreement from time to time without notice or as otherwise provided by law. eBanking services can be used to access certain Zing Credit Union accounts. Each of your accounts at Zing Credit Union is also governed by the applicable disclosure statement (your Membership and Account Agreement, prior receipts of which you acknowledge).

This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent that there is no applicable federal law or regulation, by the laws of the State of Colorado. To the extent permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which the credit union is located.

II. Keeping Your Account Confidential

A. Password
For your protection, do not share sensitive personal information (such as full account numbers, Social Security numbers, or passwords) in chat. Although our chat services are protected using secure technologies, account information should only be shared within a secure, authenticated environment, such as our online banking channel. If you choose to download or save your chat transcript, you are responsible for maintaining its security. We recommend that transcripts only be saved on secure, private devices. Avoid downloading or storing transcripts on public or shared computers or on devices that are not encrypted. Once downloaded, the Credit Union is not responsible for the security of the information contained in the file.

B. Personal Information Protection
In addition to protecting your password and account information, you should also protect your personal identification information, such as your driver’s license, social security number, etc. This information, alone or together with information on your account, may allow unauthorized access to your account. It is your responsibility to protect your personal information with the same level of care that you protect your account information.

C. Examine Your Statement
You must promptly review your statement upon receipt.  Please review your Membership & Account Agreement for full details.

III. How to Contact Us

Contact Zing Credit Union in event of unauthorized transfer. If you believe your password has been lost or stolen or unauthorized access occurred on your account, or that someone has transferred or may transfer money from your account by accessing your account without your permission, or if for any reason you wish to contact us about your account, call or write us as follows:

A. Business Days
Our lobby is open for business Monday 9:00am – 6:00pm, Tuesday through Friday 9:00am – 5:00pm, and Saturday 9:00am – 1:00pm. Our downtown drive through facility located at 1028 Acoma Street in Denver is open Monday through Friday from 7:00 a.m. to 6:00 p.m. and Saturday from 9:00 a.m. to 1:00 p.m. You can contact us by visiting our Downtown Office located at 1075 Acoma Street in Denver during normal business hours or by telephoning (303) 573-1170 or 1-(877) 293-6328. Our Call Center Representatives are available 8:00 a.m. to 6:00 p.m. MST Monday through Friday, excluding holidays, and Saturday from 9:00am – 1:00pm.  Calling us is the best way to report any problems or to get questions answered. If you cannot call us or come in person, you can write to us at: Zing CU, 1075 Acoma Street, Denver, CO 80204-4092.

B. e-Mail
Sending e-mail through our “Contact Us” on Zing Credit Union’s web site is one way to communicate with us.  We have provided a contact form on our website for you to ask questions or give comments regarding our website or eBanking service.  Please note that e-mail is not initiated from a secure session. To ensure the security of your account information, you cannot use e-mail to initiate transactions on your account(s). In addition, we recommend that you contact us by telephone to report any problems or ask questions about your account. Contacting us by e-mail does not protect your rights for unauthorized access.  However, with eBanking, there is a secure messaging system once you are signed into eBanking.  Use this as you would like, but contacting us by secure e-mail does not protect your rights for unauthorized access.

IV. eBanking Disclosure

A. Account Access
Zing Credit Union’s eBanking is an Internet account access service. You may access your account(s) by computer using your account number, password, and direct connection to the Internet. By using eBanking, you can: make inquiries, check account balances, transfer funds between your accounts, access your current or past monthly statements, and download account history into personal financial management software.

Services available may be added or canceled at any time. We shall update this Agreement to notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules contained in this Agreement.

You can use eBanking seven days a week, 24 hours a day. However, from time to time, some or all of eBanking services may not be available due to normal system maintenance.

B. Transfer Terms and Limitations
In compliance with Federal Regulation D, Zing Credit Union is required to limit transfers from share savings, money market, club accounts, and all other non-transactional accounts to no more than six (6) transfers per calendar month, if they are to another of your Zing Credit Union accounts or a third party by means of a preauthorized, automatic, share draft, telephonic (Voice Banking or oral) or Internet instruction.

C. Disclosure of Information to Third Parties
We will not disclose information to third parties about your account or the transactions you make, unless:

(1) Where it is necessary for completing transfers.

(2) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.

(3) In order to comply with a government agency or court orders.

(4) If you give us written permission.

D. Consumer Liability
By accessing Zing Credit Union’s eBanking, you agree that it is your responsibility to safeguard your password, in order to prevent unauthorized transactions and/or account access. You assume all responsibility for any losses that occur on your account due to negligence i.e. failing to protect your password from unauthorized use. You also agree that Zing Credit Union may revoke Internet account access if unauthorized account access and/or transactions occur as the apparent result of your negligence in safeguarding the password, for any violation of the terms of use, for use of the system for illegal activities or for any other use of the system that, in the opinion of Zing Credit Union, presents an unreasonable risk of damage or loss to Zing Credit Union, its members or third parties.

Notify Zing Credit Union immediately if you believe your password has been lost or stolen, or your account has been accessed without your authorization. The best way to minimize your possible loss is to telephone, though you may advise us in person or in writing. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days after you learn of unauthorized access, you can lose no more than $50 if someone used your password without your permission.

If you do not tell us within two (2) business days after you learn of the unauthorized access, and we can prove we could have stopped someone from using your account without your permission if you had told us during that two (2) business day period, you could lose as much as $500.

If your statement shows any electronic fund transfer that you did not make or authorize, advise Zing Credit Union immediately of the unauthorized access. If you do not tell us within sixty (60) days after the first statement that reflected the unauthorized transfer was transmitted to you, you may not get back any money you lost after the sixty (60) days, provided we can prove that we could have stopped someone from taking the money if you had told us within that sixty (60) day period.

Zing Credit Union in its sole discretion may determine to extend the above time periods for good cause shown.

E. Our Liability for Failure to Complete Transfers
If Zing Credit Union does not complete a transfer to or from your account on time or in the correct amount according to this disclosure statement with you, we will be liable for your losses or damages not to exceed the amount of the transaction, except as otherwise provided by law. However, there are some exceptions. We will NOT be liable, if:

(1) Through no fault of ours, you do not have enough money in your account to make the transfer.

(2) You have an overdraft protection line of credit and the transfer would go over the credit limit.

(3) The terminal or computer was malfunctioning in a manner which you knew, or reasonably should have known, would adversely affect the completion of your transaction.

(4) Circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

F. In Case of Errors or Questions About Your Electronic Transfers
Call or write us at: Zing Credit Union, 1075 Acoma Street, Denver, Colorado 80204, (303) 573-1170 or toll free 1 (877) 293-6328, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.

(1) Tell us your name and account number (if any).

(2) Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

G. Lost or Stolen Card or (PIN) Personal Identification Number
If you believe your Visa® credit card, Visa® debit card, ATM card, or PIN code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, telephone us at once at 303-573-1170.

H. Miscellaneous Fees and Charges
Access to Zing Credit Union’s eBanking is free. Regular charges and fees do apply on certain transactions such as requesting copies of cleared checks, ordering checks, bill payment, etc. Zing Credit Union reserves the right to charge for Internet account access services. You will be given at least thirty (30) days advance notice before Zing Credit Union implements any charges or fees for any Internet account access related services.

I. Unlawful Internet Gambling Enforcement Act

In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, if you are a commercial member of Zing Credit Union, restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person or business entity accepts credit, funds, instruments or other proceeds from another person or business entity in connection with unlawful Internet gambling.

By maintaining an account with Zing Credit Union, you certify that you do not engage in Internet gambling and you agree to notify us if your account is ever used for Internet gambling of any kind, even if you believe the activity to be legal. If you do not, we may terminate your access to eBanking, various payment methods, or close your account.

V. Other General Terms

Other Agreements — In addition to this Agreement, you agree to be bound by and will comply with all terms and conditions applicable to your account with Zing Credit Union, as described in your Membership & Account Agreement, prior receipt of which you acknowledge.

Severability — In the event that any portion of this Agreement is held by a court to be invalid or unenforceable for any reason, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are not to be construed as part of the Agreement.

Right to Terminate Agreement — You may request termination of this service in writing. We may terminate your right to use eBanking or to make electronic fund transfers or cancel this agreement at any time.

Our Liability — Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Zing Credit Union, or by internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), OR by Internet access providers OR by online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, eBanking services, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via eBanking, and may have referred to such communication as “secured,” we cannot and do not provide any warranty or guarantee.

SOCIAL MEDIA POLICY

Zing Credit Union’s social media channels include Facebook, Twitter, Youtube, LinkedIn, and Instagram.  Social media is intended to provide a place for fans of Zing Credit Union to discuss Zing Credit Union activities, events, products, and promotions. All comments, visuals, videos and other type of material posted by fans on Zing’s social media sites (“User Content”) do not necessarily reflect the opinions or ideals of Zing Credit Union, its employees or affiliates. Zing (a) does not represent or warrant the accuracy of any statement or product claims made here, (b) is not responsible for any User Content on this site, and (c) does not endorse any opinions expressed on any Zing social media page.

Zing expects all users to comply with the social media networks’ proprietary Terms of Use. Zing does not monitor every posting of User Content on Zing social pages. Zing expects, however, that users will not post any materials that fall into any of the following categories and may have removed any materials that:

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent, misleading or unlawful material or information.
• Upload or attach files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
• Upload or attach files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.
• Delete any author attributions, legal notices or proprietary designations or labels in any file that is uploaded.
• Falsify the origin or source of software or other material contained in a file that is uploaded.
• Include profanity or obscene language.