Terms & Conditions

This website has been established by Farmers Trust & Savings Bank (the "Bank") for the sole purpose of conveying information about the Bank's products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the Bank's agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the Bank's agreements and disclosures, the agreements and disclosures will control.

 

Any and all information, materials, product offerings, services, terms and conditions are subject to change without notice. Not all products and services advertised on this website are available in all geographic areas. The Bank reserves the right to determine your eligibility for any product or service.

 

Unauthorized use of the Bank's website and systems including but not limited to unauthorized entry into our Internet banking system, internal network, misuse of passwords or misuse of any information posted on our website is strictly prohibited.

 

For your convenience, the Bank may provide links to various third party websites that may be of interest to you. The Bank has no control over any other third party website and is not responsible for the content on any site other than this one. When you click on links to third party sites, you will leave our website and will be redirected to another site. Linking to third party sites is at your own risk. The content on linked sites may change without notice. Be aware the security and privacy policies on linked sites may be different from our policies so please read third party privacy and security policies closely. If you have any questions or concerns about the products and services offered on linked third party sites, please contact the third party directly.

 

WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE ACCURACY OF THE INFORMATION CONTAINED IN LINKED THIRD PARTY SITES.

 

We suggest you always verify the information obtained from linked sites before acting upon this information. The Bank is not an agent for linked third parties nor do we endorse or guarantee their products and services.

 

This website is not directed to children although we may periodically advertise special accounts that may be appropriate for children. The Bank does not knowingly solicit data from children. Protecting children's identities and privacy on-line is important and the responsibility to do so rests with both parents and the online industry. Parents of children interested in any of our online services should contact us at the Bank.

 

The Bank owns copyright in the pages, information, materials, screens, text, sound recordings and images contained in this website unless otherwise indicated. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded or otherwise reproduced except as permitted by law.

 

All registered and unregistered trademarks are the sole property of their respective owners. Unauthorized reproduction in whole or in part is prohibited.

 

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus.

 

The Bank will under no circumstances be liable to you and/or any third party for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage. FURTHERMORE, the Bank will not be liable for any difficulty in use, or for the incompatibility between this website and YOUR WEB BROWSER OR OTHER site accessing program. The Bank will not be liable for any other problems you experience due to causes beyond our control.

 

This agreement and the use of this website shall be governed and construed in accordance with federal statutes and the laws of the State of Iowa.

 

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.