Online Security Policy

Online Security Policy

Customer Online Security

We believe that one of the best ways to keep financial and personal information safe and secure is to be an educated consumer. Salin Bank is proud to deliver the highest level of security for our customers. We encourage you to read our Online Security Policy below, which provides information on the terms and conditions of the security measures we’ve taken at Salin.com to enhance your security and ways you, too, can take steps to protect yourself and your business from fraud and identity theft. If you have any questions or concerns about Salin Bank’s security features, including Access IDs and Passcodes, or if you need further assistance, please contact Salin Bank at 1.800.320.7536 or via email at Customer.Service@salin.com. Please note that this is an unsecured e-mail feature and privacy cannot be ensured. Salin Bank will not be responsible for any damages you may suffer if you transmit confidential or sensitive information to us. For your own protection, please do not send confidential account information via unsecured e-mail. If you have questions, please call 1.800.320.7536 for more information.

Liability Limitations

In the event that an unauthorized third party compromises Salin.com’s security features, Salin Bank & Trust Company is not liable to you, or to any third party, for any occurrences or damages directly or indirectly related to an unauthorized third party’s ability to view, use or disseminate your financial or personal information, or to otherwise gain access to your Salin Bank account(s). Salin Bank also is not liable to you or any third party for any occurrences or damages directly or indirectly related to any phishing, pharming or other attacks or fraud committed against Salin Bank & Trust Company, Salin.com, and Salin Bank’s URL, DNS or IP address, or a third party’s ability to tap into your Internet connection via phone line, DSL, cable connection, or otherwise.

Changes to this Online Security Policy

Salin Bank & Trust Company is committed to using the latest in security enhancements to protect our customers. Accordingly, we reserve the right to revise our security protocol and amend this Online Security Policy at any time, at our discretion and without notice. Any changes to this Online Security Policy will be posted here. You are encouraged to visit this Online Security Policy frequently in order to review any changes that may have occurred. Your continued access and use of Salin.com following any changes to this Online Security Policy shall automatically be deemed your acceptance of the same.

Governing Law and Arbitration

This Online Security Policy is to be governed by and construed in accordance with the laws of the State of Indiana, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to this Online Security Policy, except for an injunctive action regarding a breach, violation or threatened breach or violation of this Online Security Policy by you as provided above, shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Marion County, Indiana.
 
THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING SALIN.COM, YOU CONSENT TO THESE RESTRICTIONS.
 
You and Salin Bank shall select the arbitrator, and if you and Salin Bank are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the arbitrator shall be selected by the American Arbitration Association. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000) with the arbitrator for the arbitrator’s fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator’s fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.
 
Should a dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Salin Bank, jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Marion County, Indiana.
 
Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and Salin Bank and your and Salin Bank's respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction.

Miscellaneous

If any portion of this Online Security Policy is deemed unlawful, void or unenforceable by any arbitrator, this Online Security Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Online Security Policy that is unlawful, void or unenforceable shall be stricken from this Online Security Policy.
 
The headings contained in this Online Security Policy are for convenience of reference only, are not to be considered a part of this Online Security Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Online Security Policy.
 
All covenants, agreements, representations and warranties made in this Online Security Policy, as may be amended by Salin Bank from time to time, shall survive your acceptance of this Online Security Policy and the amendment of this Online Security Policy.
 
This Online Security Policy represents the entire understanding and agreement between you and Salin Bank regarding its subject matter, and supersedes all other previous agreements, understandings and/or representations regarding the same.