Disclaimers/Limitation of Liability
Your use of any aspect of the Site is at your own risk. The Bank will not be liable for (a) any error or omission of the Bank (as defined below); (b) any error, delay, interruption, operational problem, unavailability, or failure in the Site, any Site component, or any directly or indirectly related equipment, system, programming, or network (including the Internet); (c) any breach of security involving the Site or your account, unless the Bank specifically accepts liability elsewhere on the Site; (d) any viruses or other code or component that may affect your computer system or other property as a result of your use of the Site; or (e) any inaccurate, untimely, or otherwise unreliable information resulting from the use of the Site or the materials made available as part of the Site, including Calculators.
You specifically agree that the Bank will not be responsible for unauthorized access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through the Site, unless the Bank specifically agrees elsewhere to be liable for the aforementioned items.
THE BANK MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE SITE FOR ANY PURPOSE. THE SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS, THE BANK HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE SITE, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
IN NO EVENT WILL THE BANK BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION: DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE; DAMAGES RELATING TO THE DELAY OR INABILITY TO USE THE SITE; DAMAGES RELATING TO THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION OR SERVICES OBTAINED THROUGH THE SITE; OR DAMAGES OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF THE BANK HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.
Links/Third Party Sites
You understand and agree that use of or connection to the Internet is inherently insecure and that any connection to the Internet provides opportunity for unauthorized access by a third party to your computer systems, networks, and any and all information stored therein. You understand that the technical processing and transmission of the Site, including your content, may involve (a) transmissions over various networks and (b) changes to conform and adapt to technical requirements of connecting networks or devices. All information transmitted and received through the Internet is potentially vulnerable to unauthorized interception, diversion, corruption, loss, access, and disclosure. The Bank will not be responsible for (a) any adverse consequences whatsoever of your connection to or use of the Internet, (b) any use by you of an Internet connection in violation of any law, rule, or regulation, or (c) any use by you that violates the intellectual property rights of another.
This Site is controlled, operated, and administered from offices within the United States of America. We make no representation that materials at this Site are appropriate or available for use at other locations outside of the United States, and access to them from territories where their contents are illegal is prohibited. You may not use this Site or export the materials from it in violation of U.S. export laws and regulations. If you access this Site from a location outside of the United States, you are responsible for compliance with all local laws.
If you submit any information to us, including any questions, comments, remarks, suggestions, ideas, notes, drawings, graphics, concepts, or other information, you are giving that information, and all your rights in it, to us free of charge, and that information will be treated as non-confidential and non-proprietary and may be used by us for any purpose, without your consent or any compensation to you or anyone else. This is true whether you submit such information to us by e-mail, through a form on this Site, on a bulletin board, or in any other manner.
Please do not submit or transmit any materials that are threatening, libelous, defamatory, obscene, pornographic, profane, or might in any other way violate any law. You are solely responsible for any material you submit to us. Through your usage of the Site, you may submit to us and/or we may gather certain limited information about you and your Site usage. We are free to use such information for any purpose we deem appropriate, including marketing purposes.
You agree to defend, indemnify, and hold us and our affiliated companies, and our/their employees, contractors, officers, directors, agents, and partners harmless from all liabilities, claims, and expenses, including attorney's fees, that arise from your use or misuse of this Site or the content therein. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.
Ownership/Restrictions on Use
All materials contained on the pages and screens on the Site are the copyrighted property of the Bank, its subsidiaries, affiliated companies, or third parties. The copyrighted materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Site. In addition, words and symbols used on the Site to identify the source of goods and services are trademarks, service marks, and trade dress owned by the Bank, its subsidiaries, affiliated companies or third parties. The copyrighted materials, trademarks, service marks, and trade dress of the Bank, its subsidiaries, affiliates, or third parties are collectively referred to as "Intellectual Property". You are authorized to view the Intellectual Property available on the Site for personal, non-commercial purposes only. No Intellectual Property from the Site may be copied, displayed, distributed, transferred, reproduced, republished, licensed, uploaded, posted, framed, altered, transmitted, or used to create derivative works, except that you may download one copy of the Intellectual Property to a single home computer for your personal, non-commercial use. You are expressly prohibited from using Intellectual Property on any other website. You acknowledge that you do not acquire any interest in or rights to the Intellectual Property by downloading Intellectual Property from the Site pursuant to this limited, personal, nontransferable, nonsublicensable, revocable license. Except as expressly provided herein, no Intellectual Property from the Site can be used, reproduced, or transmitted in any way without the prior written consent of the Bank.
NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.
Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.
As defined in Regulation GG, unlawful internet gambling means to "place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, as least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made.
As a customer of Country Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.