INTERNET USER AGREEMENT
for www.firstbankks.com

First Bank of Newton, and its affiliates, if applicable, (collectively, "First Bank of Newton") requires that all visitors (collectively, the "User") to its site on the World Wide Web (the "Site") adhere to the following rules and regulations. Please read these terms carefully before using this Site. By accessing the Site, User acknowledges and accepts these terms and conditions. First Bank of Newton may modify or supplement this User Agreement by publishing amendments on the Site and may discontinue or revise any or all other aspects of the Site in its sole discretion and without prior notice to User.

Ownership of Site
All information, including text and graphics, contained in the Site is subject to a copyright by First Bank of Newton or others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of First Bank of Newton or other holder of the copyright.

First Bank of Newton Products and Services Offered on the Site
Various financial and investment products and services may be discussed, described, explained or recommended through the Site. Not all of the products or services will be applicable, usable or appropriate for all Users.  Not all products or services are available in all geographic areas. Every User may not be eligible or qualify for all products or services. First Bank of Newton reserves the right to determine a User's eligibility for any product or service subject only to federal or state law. In addition to the terms and conditions of this User Agreement, specific First Bank of Newton products or services may be subject to certain other disclosures and agreements.

Information Offered on Site
Any discussion, description, explanation or recommendation provided through the Site is general in nature and is not intended to be, and should not be construed as, legal or tax advice.  User should consult their attorney or tax advisor.

Banking Products and Services
Deposit and loan products and services which are discussed, described, explained or recommended are made available through First Bank of Newton, a Kansas-chartered bank with its main office in Newton, Kansas, member FDIC and Equal Opportunity Lender.  The bank is owned by a one-bank holding company, First Newton Bankshare, Inc., with headquarters in Newton, Kansas.  Discussion, description, explanation or recommendation of a particular product or service does not guarantee the availability of this product or service and, if a lending product or service, does not guarantee the availability of the particular loan product or service, or constitute an offer to make a loan.

General Disclaimer of Warranties and of Liability
First Bank of Newton does not represent or endorse the accuracy, adequacy, reliability or completeness of any information, content or advertisements contained on, distributed through, or linked, downloaded or accessed from the Site, nor the quality of any other products, information or other materials displayed, purchased, or obtained by User as a result of any advertisement or any information or offer in or in connection with the Site. User agrees that all access and use of the Site and its contents is at User's own risk. By using the Site, User acknowledges that First Bank of Newton specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with User's access to or use of the Site (even if we have been advised of the possibility of such damages), including liability associated with any computer virus, malicious code or other defect which may infect a User's computer equipment. Except as restricted by applicable law, or express agreement, First Bank of Newton is not liable for any direct, indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with the Site or any interruption, delay in its operation, computer virus, malicious code or other defect, loss of data, or otherwise. THE SITE IS DISTRIBUTED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE, OTHER THAN THOSE WARRANTIES OF SPECIFIC FIRST BANK OF NEWTON PRODUCTS OR SERVICES TO WHICH FIRST BANK OF NEWTON HAS EXPRESSLY AGREED.

Disclaimers Relating To Products and Services of Third Parties
First Bank of Newton may provide hypertext links, icons or marks for User convenience and does not endorse or accept responsibility for any such web site. First Bank of Newton makes no representations about any web site User may access through its Site. Any third party web site linked to this Site is independent from First Bank of Newton and First Bank of Newton has no control over the products, services or information contained in or available through these third party web sites. The quality and dependability of these third party web sites may vary as they are updated or altered, and First Bank of Newton does not accept responsibility for monitoring or testing the quality or dependability of such third party sites. Access to any third party web sites linked to this Site is at the User's own risk. First Bank of Newton shall not be considered an agent of any third party and First Bank of Newton shall have no responsibilities nor liabilities to any User regarding any action, omission, or warranty of any kind concerning any third party, its products, services or information. By providing hypertext links, icons, marks or other information of a third party, or by advertising on the web pages of a third party, First Bank of Newton does not endorse, and shall have no obligation or liability concerning, such third party's delivery, or non-delivery of its respective goods, services or information, or the accuracy, adequacy, reliability, completeness or timeliness of such goods, services or information. With regard to services or products purchased, obtained or delivered by or to the User by a third party provider, First Bank of Newton makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such service and products and First Bank of Newton specifically disclaims all other warranties with regard to said services and products. Additional disclosures and agreements relating to specific products and services of third party providers are available from the site of the third party. Before dealing with any third party, the User should read, understand and be satisfied with the terms and conditions of such third party related to its products, services or information.

Collection of Information
We may employ the use of technologies such as web beacons, pixel tabs, and clear GIFs, by which third party advertising or media companies may collect anonymous information about the User's visit to the site.  These technologies are used to advertise First Bank of Newton's products and services to User on websites and mobile apps not affiliated with First Bank of Newton and to monitor User's response.  In addition, it allows First Bank of Newton to measure the effectiveness of First Bank of Newton's communications. 

Transmission of Information to Bank
Any communication or material User transmits to First Bank of Newton via the Site or Internet electronic mail becomes the property of First Bank of Newton and may be used by First Bank of Newton for any purpose within the limits of our Privacy Policy. User may not transmit any obscene, libelous or defamatory messages to First Bank of Newton.  

Governing Law
The Site is operated by First Bank of Newton from its headquarters in the State of Kansas. First Bank of Newton makes no representation that the information contained in the Site complies with the laws of any other jurisdiction. The use of the Site is governed by the laws of the State of Kansas without regard to principles of conflicts of laws.

Termination of Service
First Bank of Newton reserves the right to deny or terminate User's access to or use of the Site, or any service or product, in First Bank of Newton's sole discretion, without notice and without limitation, including, but not limited to User's breach of any provision of this User Agreement or any additional agreement relating to a specific product or service, or discontinuance of First Bank of Newton access to any product or service from any third party provider.

Change in User Agreement
First Bank of Newton may revise this User Agreement at any time, effective upon posting the revised User Agreement on the Site. Continued access or use by User of the Site after posting of the revisions by First Bank of Newton, shall constitute User's acceptance and agreement to the changes in the User Agreement.

(07/15)

 

MENU OF DISCLOSURES & AGREEMENTS:

arrow Electronic Disclosure Consent
arrow Bill Payment and e-Bill Terms and Conditions
arrow Statement Service Agreement and Disclosure
arrow Statement Browser Requirements
arrow Internet User Agreement
arrow Online and Mobile Banking Agreement
arrow Deposit Account Agreement
arrow Truth In Savings
arrow Customer Identification Program (CIP)
arrow Funds Availability Policy
arrow Equal Housing Lender
arrow Check Card/Direct Banking Cash Card Cardholder Agreement
arrow Electronic Funds Transfer Agreement And Disclosure
arrow What You Should Know About Home Equity Lines of Credit
arrow Important terms of the First Advantage Home Equity Line of Credit

 

Harvey County's Oldest Bank... Established 1873