Effective Date: May 21, 2026 Last Updated: May 21, 2026

Mitchell Stankovic & Associates (“MSA,” “we,” “us,” or “our”) operates the website located at https://mitchellstankovic.com (the “Site”). These Terms and Conditions (“Terms”) govern your access to and use of the Site and all content, services, and materials available through it. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Site.

1. Description of Services

The Site provides information about Mitchell Stankovic & Associates’ consulting services for credit unions, thought leadership content, industry insights, event information, and resources related to the credit union movement, including the UNDERGROUND initiative and the Credit Union Shared Services (CUSS) platform. The Site also allows visitors to submit contact and inquiry forms, subscribe to newsletters and event updates, download resources such as whitepapers, and leave comments on blog posts where enabled. Note that the CUSS platform and related portals are separate services governed by their own terms and privacy policies.

2. Intellectual Property Rights

All content on the Site, including text, graphics, logos, images, videos, articles, whitepapers, and overall design (“Content”), is owned by Mitchell Stankovic & Associates or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any Content without our prior written permission, except as expressly permitted by these Terms or applicable law. Our name, logo, and other trademarks may not be used without prior written consent.

3. User-Generated Content

If you submit comments, feedback, or other content to the Site (“User Content”), you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, publish, and display such content. You represent that you own or have the necessary rights to submit the content and that it does not violate any third-party rights or applicable law. We reserve the right to remove or edit any User Content at our sole discretion.

4. Prohibited Uses

You agree not to use the Site for any unlawful purpose or in violation of any applicable laws; post or transmit any content that is defamatory, obscene, threatening, abusive, or infringing; attempt to gain unauthorized access to any portion of the Site or related systems; use automated means such as bots or scrapers to access the Site without our permission; or interfere with or disrupt the operation of the Site.

5. Third-Party Links and Services

The Site may contain links to third-party websites and services, including the CUSS platform. These links are provided for your convenience only. We do not control and are not responsible for the content, privacy practices, or terms of any third-party sites. Your use of third-party sites is at your own risk and subject to their respective terms and policies.

6. Disclaimers

The content on this Site is provided for informational and educational purposes only and does not constitute legal, financial, accounting, regulatory, or professional advice. Credit unions and other organizations should consult with qualified legal, financial, and professional advisors before making any decisions based on the information presented here. The Site and all Content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses. Certain content may contain forward-looking statements. Actual results may differ materially from those expressed or implied.

7. Limitation of Liability

To the fullest extent permitted by law, Mitchell Stankovic & Associates and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of or inability to use the Site, any content obtained from the Site, or unauthorized access to or alteration of your transmissions or data.

8. Indemnification

You agree to indemnify, defend, and hold harmless Mitchell Stankovic & Associates and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your access to or use of the Site or your violation of these Terms.

9. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in Clark County, Nevada, and you consent to the personal jurisdiction of such courts.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the “Last Updated” date. Your continued use of the Site after any changes constitutes acceptance of the revised Terms.

11. Termination

We may terminate or suspend your access to the Site at any time, without prior notice, for any reason, including if we believe you have violated these Terms.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Mitchell Stankovic & Associates regarding your use of the Site and supersede all prior agreements and understandings.

14. Contact Us

If you have any questions about these Terms and Conditions, please contact us at Mitchell Stankovic & Associates, PO Box 60949, Boulder City, NV 89006, Phone: 855-362-2002, or Email: info@mitchellstankovic.com.