Legal Notices Terms
and Conditions for Use of Our Web Site
The following terms
and conditions apply to your access to and use of our Internet Web Site. Please
take a moment to read these terms and conditions carefully. By accessing any page
of our web site, you agree to be bound by these terms and conditions. The term
"Bank" as used in these Terms and Conditions means PBI Bank.
The
information and materials on this web site are protected under United States copyright
laws and world wide copyright laws and treaty provisions. You may download a copy
of any of the materials on this site for personal, non-commercial use, provided
you do not delete or change any copyright or trademark notice. You must obtain
the permission of the Bank to make any other use of the materials. In no case
may you create any kind of hyperlink to this site without the prior written consent
of the Bank.
The
information, materials and functions contained within the Bank's web site, including
text, graphics, links or other items are provided on an "AS IS" BASIS without
warranties of any kind, either express or implied, including but not limited to
warranties of merchantability, fitness for a particular purpose, or freedom
from computer virus. The Bank does not warrant the adequacy, accuracy or completeness
of the information and materials included in the Bank's site or in third party
sites linked (with permission) to or from the our site or that the functions
provided will be uninterrupted or error-free. The Bank expressly disclaims any
liability for any errors in or omissions from information, materials and functions
included in our web site or any third party sites linked (with permission)
to or from our site. In no event will the Bank be liable for any
direct or indirect, special, incidental, consequential or punitive damages or
lost profits or lost savings arising in connection with your use of the
our site (or any third party site linked, with permission, to or from the Bank's
site), any technical, hardware or software failure of any kind, any interruption
in availability of the site, delay in operation or transmission,
incomplete or garbled transmission, computer virus, loss of data, or otherwise,
even if the Bank has been advised of the possibility of such damages or loss.
Information
submitted to the Bank through the web site or any third party site
linked, with permission, to or from the Bank site, will become and remain the
property of the Bank, and the Bank will be free to use, for any purpose,
any ideas, concepts, or techniques contained in information provided to the Bank
through its web site. The Bank will not be subject to any obligations of confidentiality
regarding submitted information except as agreed in connection with the formation
of a direct customer relationship with the Bank (see About
Us;Privacy links) or as otherwise specifically
agreed to or required by law. Due to the developing nature of the technology involved,
you should rely on the Bank's acknowledgment of information and requests received
and not merely on your electronic delivery of the information or request.
Your
communications with the Bank through our web site are governed by the following:
•
You
must not include any obscene, libelous or defamatory content in your communications.
•
You
must indemnify and hold the Bank harmless from any and all damages, losses and
liabilities arising from your communications with us through our web site.
•
You
acknowledge that from time to time, some of those communications may be shared
with our affiliates and partners. (See About
Us; Privacy links.)
The Bank may change the information and materials contained in these pages, and
these terms and conditions, by updating this posting. You are bound by such revisions
and should therefore periodically visit this page to review the then current Terms
and Conditions to which you are and will be bound. Also, not all products and
services are available in all geographic areas. Your eligibility for particular
products and services is subject to final acceptance.
To
better serve you, we have entered into contractual agreements with several companies
who will be providing to you certain of the services identified on the Bank's
site. We have chosen these companies after careful consideration and refer to
them in our web site as our "Partners". To the extent you avail yourself of these services,
you agree that such services are not being provided by the Bank and that any claim you
might have regarding the services must be directed to and satisfied by the company
providing the service and not the Bank. Although we refer to the referenced companies
as our "Partners", you should be aware that our relationship with these companies is
contractual only, and there is no legal partnership in place between or among us.
This
Agreement, together with all disclosures (see About
Us; Disclosures links) and
loan, account or other written customer agreements, constitutes the entire agreement
between you and the Bank with respect to the included subject matter and supersedes
any prior or contemporaneous agreements (whether written or oral).
We operate and control our web site from our offices in the Commonwealth of
Kentucky, United States of America and, therefore, in relation to its web site,
the Bank complies with Kentucky and federal law. If you are located outside of
Kentucky, your state may impose rules and regulations on banks that would not
apply to the Bank or on your use of the Bank's site. If you choose to access our
web site from other locations, you do so on your own initiative and assume any
risk relating to variations in state law, and further, you are responsible for
compliance with your state's laws applicable local laws and regulations.
Your
access to and use of our web site and the terms and conditions of this site are
governed by and interpreted in accordance with the laws of the Commonwealth of
Kentucky without regard to principles of conflicts of laws. If any part of these
terms and conditions is unlawful, void or unenforceable, that part will be deemed
severable and will not affect the validity and enforceability of the remaining provisions.
