Terms of Service
Welcome to First Citizens Financial Bank ("we", "our", "us"). These Terms of Service ("Terms") govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
Acceptance of Terms
By accessing or using our services, you agree to comply with and be bound by these Terms, as well as any additional terms, conditions, and policies referenced herein and/or available by hyperlink. These Terms apply to all users of our services, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.
Changes to Terms
We reserve the right to update, change, or replace any part of these Terms by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to our website following the posting of any changes constitutes acceptance of those changes.
Eligibility
To use our services, you must be at least the age of majority in your state or province of residence, or you must have given us your consent to allow any of your minor dependents to use this site. You must provide accurate and complete information when creating an account or using our services.
Account Security
You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to comply with this security obligation.
Prohibited Activities
You agree not to use our services for any unlawful purpose or to engage in any activity that violates these Terms. Prohibited activities include, but are not limited to:
- Engaging in any fraudulent or deceptive practices.
- Interfering with or disrupting the integrity or performance of our services.
- Attempting to gain unauthorized access to our systems or networks.
- Transmitting any viruses, malware, or other harmful code.
- Using our services to infringe on the intellectual property rights of others.
Intellectual Property
All content included on our website, such as text, graphics, logos, images, and software, is the property of First Citizens Financial Bank or its content suppliers and protected by applicable intellectual property laws. You may not use, reproduce, or distribute any content from our website without our prior written permission.
Limitation of Liability
To the fullest extent permitted by applicable law, First Citizens Financial Bank shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of our services or any inability to use our services, including, but not limited to, damages for loss of profits, goodwill, data, or other intangible losses.
Indemnification
You agree to indemnify, defend, and hold harmless First Citizens Financial Bank and our affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including without limitation reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of our services or your violation of these Terms.
Governing Law
These Terms and any separate agreements whereby we provide you services shall be governed by and construed in accordance with the laws of State, without regard to its conflict of law principles.