Terms of Use

 

You are currently viewing a page of the www.salin.com web site (“Site”) belonging to Salin Bank & Trust Company ("Salin Bank”). This Site and any of the services (the "Services") provided by Salin Bank in connection with this Site are being provided to you expressly subject to these Terms of Use. Please read these Terms of Use carefully. By accessing this Site you agree to be bound by these Terms of Use.

“Services” under these Terms of Use include financial services for consumers and businesses and business services offered to you directly by Salin Bank, and additional services available to you from independent third party service providers accessed through navigation from the Site. Subject to your compliance with these Terms of Use, the Services are available to you so long as you remain in good standing with Salin Bank.

Copyrights/Trademarks/Restrictions on Use
All of the pages and screens on the Site are owned and controlled by Salin Bank, except as otherwise expressly stated, and are protected by U.S. copyright laws and international treaties. 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. You are authorized to view the information available on the Site for your informational purposes only. You may download copyrighted materials for your personal or internal business purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Site for any commercial or public purpose without Salin Bank’s prior written consent. The Salin Bank logo is a registered trademark owned by Salin Bank. Other featured words used on the Site to identify the source of goods and services are trademarks and service marks owned by Salin Bank or owned by third parties. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site except as authorized in this paragraph. You may not use any of the Salin Bank trademarks as a link to the Site except pursuant to a written trademark license agreement.

Disclaimer
THE SERVICES ARE OFFERED ON AN "AS IS," "WHERE IS" AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND-WHETHER EXPRESS, IMPLIED OR STATUTORY-INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT. YOU EXPRESSLY AGREE AND UNDERSTAND THAT TRANSMISSION OF INFORMATION OVER THE INTERNET CAN NEVER BE CONSIDERED COMPLETELY SAFE, AND YOU AGREE AND ACKNOWLEDGE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. WE ARE NOT RESPONSIBLE FOR THE ACCURACY OF ANY INFORMATION, AND EXPRESSLY DISCLAIM ANY LIABILITY FOR INACCURACY RELATED TO THE INFORMATION OR YOUR RELIANCE THEREON.

YOU ACKNOWLEDGE THAT NEITHER SALIN BANK, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SERVICES OR THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES OR THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SERVICES AND THE SITE. SALIN BANK DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES.

EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT SALIN BANK IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, SALIN BANK WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THE SERVICES, THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM.

Failure to Comply With Terms and Conditions; Termination

We may terminate these Terms of Use or deny you access to all or part of the Services without prior notice for any reason satisfactory to us, including without limitation, if you engage in any conduct or activities that we in our sole discretion believe violates any of the terms and conditions set forth herein, violate the rights of us, or the rights of other users or third parties, or are otherwise inappropriate. We may suspend your access to the Services without notice to you in the event that you do not use the Services for an extended period of time.

Dispute Resolution
Any dispute rising out of or related in any manner to these Terms of Use or your use of or access to any Service shall be settled exclusively by private arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Within thirty (30) days after demand for arbitration is mailed, each party shall each choose an arbitrator and the two appointed arbitrators shall choose a third arbitrator. At least one arbitrator shall also be an attorney in good standing. The location of the arbitration proceeding and hearing shall be in Indianapolis, Indiana. The decision of the arbitration panel shall be in writing, and shall describe in detail the legal reasoning adopted by the panel in support of its decision. In rendering a decision, the arbitration panel shall follow the law of the United States and of the State of Indiana and shall not use equitable or other principles which would permit the panel to ignore the Terms of Use or the law. The arbitration panel's decision shall be final and binding on the parties, provided, however, that errors of law may be appealed to a court of competent jurisdiction for review. Any award by the arbitration panel shall be subject to all dollar and other limitations set forth in these Terms of Use. The arbitration panel is not authorized to award, and each of the parties hereby irrevocably waives any right to, punitive, exemplary, consequential and other non-compensatory damages in connection with any arbitration award with respect to the dispute. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to these Terms of Use or your use of or access to any Service must be filed within one (1) year after such claim or cause of action accrues, or be forever barred. There shall be no right or authority for any claim arising under these Terms of Use or otherwise arising out of your use of or access to any Service to be arbitrated on a class-action basis or on a basis involving claims brought in a purported representative capacity on behalf of the general public, other users of any Service, or other persons similarly situated. Claims brought by or against one user of any Service may not be joined or consolidated in the arbitration with claims brought by or against any other user of any Service, unless otherwise agreed to in writing by all parties including Salin Bank. Nothing in this Section shall limit the right of either you or us to obtain from a court provisional or ancillary remedies such as, but not limited to, injunctive relief, before, during or after the pendency of any arbitration proceeding brought pursuant to these Terms of Use, or in lieu of such proceedings.

Privacy
We understand the need to safeguard your information and records from unauthorized use and disclosure. Please see Salin Bank’s Privacy Policy.

Calculators
Calculators are provided for general illustrative purposes only and are not warranted to be accurate or complete.

Accuracy and Changes
Facts and information, when placed on this Site, were believed to be accurate. Products offered, rates, terms and other information provided herein are subject to change without notice. Completeness or accuracy of the information provided herein is not guaranteed.

Hyperlinks are Not Endorsements
Links to other web sites controlled or offered by third parties (non-affiliates of Salin Bank) or references to other products, services or publications do not imply the endorsement or approval of such web sites, products, services or publications by Salin Bank. Third Party web sites reached through links from our web site may also have privacy and security policies different from Salin Bank and may provide less security. We are not responsible for the collection, use, or security of information by companies outside of Salin Bank that may be linked to our Site. Please review the privacy and security policies of Web sites reached through links from the Salin Bank Site independently of the Salin Bank Privacy Policy. In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not of Salin Bank. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you the linked site provider.

Indemnification
You agree to defend, indemnify and hold harmless Salin Bank and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of your violation of these Terms of Use or misuse of the Service or this Site, including such violation or misuses conducted by your employee or agent, if applicable.

General
Salin Bank reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking on the link at the bottom of the Site. If you find the Terms of Use unacceptable at any time, you may discontinue your use of the Services. By continuing to use the Services after the date of any change to these Terms of Use, including accessing the Site, you agree to be bound by the rules contained in the most recent version of these Terms of Use.

Salin Bank reserves the right to modify or terminate the Services and the Site or to terminate your access to the Services and Site, in whole or in part, at any time. These Terms of Use constitute a contract between you and Salin Bank & Trust Company governed by the laws of the State of Indiana, with the exception of its conflicts of laws provisions.

This Service is provided for lawful purposes only. You shall not access or attempt to access password-protected, secure, or non-public areas of the Services except with our authorization. We have no obligation to monitor the Services; however, you acknowledge and agree that we have the right to monitor the Services electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation, or other governmental request, to operate the Services properly, or to protect themselves, other users, or third parties.

Certain of the obligations of the parties pursuant to these Terms of Use that by their nature would continue beyond the termination, cancellation or expiration of these Terms of Use, shall survive termination, cancellation or expiration of these Terms of Use.

If you are an individual representing a business or other entity, you personally represent and warrant that you are authorized to enter into these Terms of Use on behalf of that business or entity.

This Terms of Use and the relationship between you and us shall be governed by the substantive laws of the United States of America and the State of Indiana, U.S.A., without regard to any conflict of law provisions of any jurisdiction. Any failure on our part to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Use shall remain in full force and effect. Any ambiguities in these Terms of Use shall not be strictly construed against the drafter of the language concerned, but instead shall be resolved by applying the most reasonable interpretation under the circumstances, giving full consideration to the intent of the parties at the time of contracting.

You shall have no right to assign all or any part of these Terms of Use, and any attempt to do so shall be void. We shall have the right to assign these Terms of Use and to sublicense any and all of their rights under these Terms of Use.

This Terms of Use, including any documents referenced herein and any additional operating rules as posted on the Website represents the entire understanding between you and us regarding your use of the Services. These Terms of Use supersede all previous written or oral agreements between you and us with respect to such subject matter.

We may give notice to you of a change in these Terms of Use, and any other matter by a general posting on the Site, by electronic mail, or by conventional mail to you mailing address of record.