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.
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
INFORMATION WE COLLECT & HOW WE USE IT
In general, we collect certain non-Personally Identifiable Information when you access our Online Services.
We may collect Personally Identifiable Information, such as your name, mailing address, email address or telephone number, when you voluntarily provide it to us through forms on our websites, online applications, and contest entries for example.
We may use and disclose your personal information that is collected through our Online Services in accordance with applicable law and the applicable consumer customer privacy notice, which uses may include:
Provide and manage the online products and services you have requested;
Verify your identity and authenticate you;
Protect against fraud, security threats and otherwise manage risks;
Communicate with you regarding products and services that may be of interest;
Evaluate and improve our websites and other electronic offerings;
Tailor our services and otherwise enhance the customer experience;
Satisfy legal or regulatory requirements or law enforcement requests; and
As permitted by applicable law.
Ways we collect non-Personally identifiable information:
a. Analytics tracking
We employ Google Analytics and other data collection tools to collect Non-Personally Identifiable Information when available. This information is used to make improvements to our websites and to monitor the effectiveness of website changes.
Some common types of information collected include, but are not limited to, your internet protocol (IP) address; the browser type you’re using; the pages you view on the website; the type of device used to access our websites and mobile apps; the items you click within the website; the state or country from which you access the website; the date and time of your visit: the name of your internet service provider; and certain demographic information Google makes available such as age, gender and interests.
Each time you use our Online Services, you are indicating your acknowledgement and consent to the collection, use and disclosure of information about you collected through our Online Services as set forth in this Policy. We may revise this Policy periodically without advance notice. We will let you know of any changes by posting a revised Policy on our website with a new effective date. If you do not accept the terms outlined in this Policy or revised Policy, please do not use our Online Services.
To provide better service by improving your experience as you navigate our website, we may use "cookies" as part of our interaction with our customer's browsers.
A "cookie" is a small text file placed on our customer's hard drive by our web page server. A cookie cannot retrieve any other data from a hard drive, pass on computer viruses, or capture an email address. Cookies are commonly used on web sites and do not harm our customers' system.
GOOGLE ANALYTICS ADVERTISING FEATURES
By configuring preferences or options in the browser, our customers can determine if and how a cookie will be accepted. Please note that, if you delete or choose not to receive cookies from our website, the functionality of the website may be impaired.
Salin Bank advertises online (through our bank-branded social media pages, and on other sites and mobile apps not affiliated with Salin Bank. We use Google AdWords Remarketing and Google Analytics Demographics and Interest Reporting to advertise Salin Bank across the Internet, in particular on the Google Display Network.
AdWords Remarketing will show you ads based on your past interactions with Salin Bank website by placing a cookie in your browser. This cookie does not in any way provide us with identifying information such as name, account numbers, social security numbers, or addresses nor does it give us access to your computer or mobile device. This cookie is used to indicate to other websites that you visited a particular page and would be responsive to ads relating to that page.
Google Analytics Demographics and Interests data provides information about the age and gender of our website’s users, along with the interests they express in their online browsing and purchasing activities.
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
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.
Protecting Children's Online Privacy
We recognize the importance of protecting the privacy of children online. Salin Bank and Trust Company complies with the requirements of the Children’s Online Privacy Protection Act that are applicable to us. The websites are not intended for the use by children under the age of 13. We do not knowingly collect personal information from consumers under the age of thirteen.
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to and which knowingly collect information from children under the age of 13. Salin Bank and Trust Company does not knowingly solicit individually identifiable personal information from or about children online and does not knowingly market our products to children online. We fully support protecting children’s identities and privacy online and recognize the responsibility to do so rests with both the online industry and with the parents.