Terms and Conditions of Use
Effective Date: October 19, 2026
Last Updated: October 19, 2026
Welcome to the official website of La Inmaculada Credit Union Limited (“LICU”, “we”, “us”, or “our”), accessible at licu.org. By accessing or using this website, associated mobile platforms, and online services (collectively, the “Site”), you agree to be bound by these Terms and Conditions of Use (“Terms”).
If you do not agree to these Terms, please refrain from using or accessing the Site.
1. Acceptance of Terms
By accessing, browsing, or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference.
2. Regulatory & Legal Standing
La Inmaculada Credit Union Limited is a financial cooperative registered and operating under the Belize Credit Unions Act as a member of the Belize Credit Union League and regulated under the financial laws of Belize. Services provided through this site are intended primarily for members and prospective members residing in or operating within Belize.
3. Informational Content & Non-Binding Advice
General Information Only: Content provided on the Site—including financial calculators, product disclosures, interest rates, fee schedules, and informational articles—is for general informational purposes only and does not constitute formal financial, legal, or investment advice.
Accuracy of Information: While LICU endeavors to keep information up to date and correct, rates, terms, and service availability are subject to change without prior notice. Official rates and account conditions are governed by the physical disclosures and agreements provided upon account opening.
4. Online Banking & Account Security
If you access online banking portals, electronic loan application forms, or member portals via this Site:
Member Responsibility: You are responsible for maintaining the strict confidentiality of your login credentials, passcodes, and personal identification numbers (PINs).
Unauthorized Access: You agree to notify LICU immediately if you suspect any unauthorized access to your account credentials or any security breach.
System Misuse: You must not attempt to breach system security, upload malicious code, or gain unauthorized access to server infrastructure or member databases.
5. Intellectual Property Rights
All content, logos, graphics, text, icons, software, and design elements on licu.org are the exclusive property of La Inmaculada Credit Union Limited or its content suppliers and are protected by applicable intellectual property and copyright laws of Belize and international treaties.
Permitted Use: You may view, download, and print pages for personal, non-commercial use only.
Prohibited Use: Reproduction, modification, distribution, republication, or commercial exploitation of any site content without express prior written consent from LICU is strictly prohibited.
6. Third-Party Links & External Services
The Site may contain links to external third-party websites (e.g., utility payment gateways, regulatory bodies, or partner portals). LICU has no control over the content, security, or privacy policies of these external sites and accepts no liability or responsibility for any loss or damage incurred from their use.
7. Limitation of Liability & Disclaimers
“As-Is” Service: The Site and all content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.
Service Interruptions: LICU does not warrant that the Site will operate error-free, uninterrupted, or free from computer viruses or other harmful mechanisms.
Limitation of Loss: To the fullest extent permitted by law, LICU, its directors, officers, employees, or agents shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use this Site.
8. Indemnification
You agree to defend, indemnify, and hold harmless La Inmaculada Credit Union Limited, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising out of or in any way connected with your violation of these Terms or your misuse of the Site.
9. Modifications to Terms
LICU reserves the right, at its sole discretion, to modify, update, or replace these Terms at any time. Changes will take effect immediately upon posting to the Site. Your continued use of the Site following the posting of modifications constitutes acceptance of those changes.
10. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of Belize. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts located in Belize.
11. Contact Information
For questions regarding these Terms and Conditions or the practices of this Site, please contact us at:
Entity: La Inmaculada Credit Union Limited
Main Office: #5 Park Street, Orange Walk Town, Belize
Phone: 501-380-2358 | 501-380-0483
Email: info@licubelize.org
Website: www.licu.org