PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS BELOW. THESE TERMS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS, PLEASE DO NOT ACCESS THIS WEBSITE.
Hometown National Bank, its affiliates and subsidiaries, including Hometown National Bank (collectively called "Hometown National Bank"), are providing this website (the "Site") to you subject to the following terms ("User Agreement"). These terms should be read carefully as they exclude or limit Hometown National Bank's liability and set forth the terms and conditions which apply to your use of the Site.
Use of Information and Materials
The information and materials contained in the pages on our Site, and terms, content, products and services described on this Site, are subject to change. Unauthorized use of Hometown National Bank's Site and related systems, including without limitation, unauthorized entry in our systems, misuse of passwords, or misuse of any content posted on the Site is strictly prohibited. Your eligibility for a particular product or service is subject to final determination by Hometown National Bank or its affiliate.
Deposit products and lending products and services are generally provided by Hometown National Bank ("Hometown National Bank"), member FDIC and Equal Opportunity Lender.
Non-deposit investment products are made available through Hometown National Bank Investment Services LLC ("KIS"), member FINRA/SIPC, a Hometown National Bank, and insurance products through Hometown National Bank ("Hometown National Bank "). KIS and Hometown National Bank Insurance Agency are not banks and are separate entities from Hometown National Bank. When you buy insurance or securities through these companies, you are doing business with these entities and not Hometown National Bank. Hometown National Bank cannot require you to purchase insurance from a particular agency or with a particular insurer. Before purchasing a policy of insurance, you should compare information obtained from two or more agents. You have the right to obtain insurance from the agent of your choice, and your decision will not in any way affect a Hometown National Bank credit decision.
Securities (including mutual funds), insurance products, and annuities are not bank deposits and are not FDIC insured, nor are they obligations of or guaranteed by Hometown National Bank Investment Services LLC, Hometown National Bank Insurance Agency, Hometown National Bank, Hometown National Bank, or their subsidiaries. The securities, insurance products, and annuities involve investment risks, including the possible loss of the principal amount invested.
The information herein is not an offer to sell, or to solicit an offer to purchase, any securities by anyone in any jurisdiction in which such offer or solicitation is not authorized, or in which KIS and/or Hometown National Bank Insurance Agency may not be qualified or registered to do so, or to anyone in any jurisdiction outside of the United States.
Third Party Links
Hometown National Bank is pleased to make available to you links to other sites on the World Wide Web. Hometown National Bank believes the links from its Site are to reputable companies. However, Hometown National Bank makes no representations or warranties regarding the non-Hometown National Bank websites or the companies maintaining them. Hometown National Bank does not control or monitor such websites, and Hometown National Bank does not endorse the content or the use of any other Website. If you choose to access non-Hometown National Bank Websites through links on our pages, you accept responsibility for all related risks.
Tools and Calculators
This Site may contain tools and calculators provided by Hometown National Bank or its vendors as a service to you for educational purposes only. Hometown National Bank and its vendors do not guarantee the accuracy of these tools or calculators or the results and expressly disclaim all liability for any damages of any kind arising out of your use of these tools and calculators.
You agree to provide true, accurate, current and complete information about yourself when you elect to provide personal information to Hometown National Bank via its Site. You also agree to maintain and promptly update any such information to keep it accurate.
Privacy and Security
Copyright and Trademarks
The trademarks, logos and service marks ("Marks") displayed on the Site are the property of Hometown National Bank and other parties. You are prohibited from using any Marks without the written permission of Hometown National Bank or such third party which may own the Marks. All content displayed or available through the Site is protected by copyright. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any content on the Site for any commercial, public, or unlawful purpose.
Notices and Procedure for Making Claims of Copyright Infringement
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications to Hometown National Bank of claimed copyright infringement should be sent to the Service Provider's Designated Agent. See Notice and Procedure for Making Claims of Copyright Infringement.
Cross Border Transmission of Data
Illegal, Fraudulent or Improper Activity
You will not use this Site or any financial service or product by Hometown National Bank for any illegal, fraudulent, unauthorized, or improper activity (a "Prohibited Use"). If we suspect that you may be engaging in any Prohibited Use, including any violation of any terms or conditions relating to this Site or any financial service or product by Hometown National Bank, your access to this Site and any financial service or product may be suspended or terminated without notice. Also, access to this Site or your financial transactions may be suspended or terminated if any access device or code has been reported lost or stolen, or you do not follow Hometown National Bank's applicable security procedures, or when Hometown National Bank reasonably believes that there is unusual activity on any of your financial accounts with us. You agree to cooperate fully with Hometown National Bank to investigate any suspected Prohibited Activity or unauthorized use.
This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to applicable law or regulation. Hometown National Bank will restrict the availability of the site during the time when you are in the following countries: Cuba, Iran, Liberia, Myanmar/Burma, North Korea, Sudan, and Syria in order to facilitate Hometown National Bank's compliance with the U.S. laws administered by the Office of Foreign Assets Control.
THIS SITE AND RELATED SERVICES AND ALL INFORMATION AND MATERIALS CONTAINED IN OR AVAILABLE THROUGH THIS SITE ARE PROVIDED "AS IS" OR "AS AVAILABLE". HOMETOWN NATIONAL BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS, AND HOMETOWN NATIONAL BANK EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. THERE IS NO WARRANTY THAT ANY SERVICE, PRODUCTS, MATERIALS OR OTHER CONTENT AVAILABLE ON OR THROUGH THIS SITE, OR HOMETOWN NATIONAL BANK'S COMPUTER SYSTEM WILL FULFILL ANY OF YOUR PARTICULAR PURPOSES OR NEEDS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY OR QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF INFORMATION CONTENT, INFORMATION ACCESS AND ORDER EXECUTION, FREEDOM FROM COMPUTER VIRUS, IS GIVEN BY HOMETOWN NATIONAL BANK IN CONNECTION WITH THIS SITE OR AVAILABLE INFORMATION AND MATERIALS, EVEN IF HOMETOWN NATIONAL BANK HAS BEEN ADVISED OR IS OTHERWISE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL HOMETOWN NATIONAL BANK OR ANY VENDOR BE LIABLE FOR ANY DAMAGES, INCLUDING ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, DIRECT OR INDIRECT DAMAGES, LOSSES, OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED WEBSITE, OR USE THEREOF OR INABILITY TO USE, BY ANY PARTY OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF HOMETOWN NATIONAL BANK, OR ITS REPRESENTATIVE THEREOF, IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES, EXCEPT AS LIMITED BY APPLICABLE LAW. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU.
You agree to indemnify, defend and hold Hometown National Bank and its vendors harmless from and against all claims, losses, liability, cost, and expenses (including attorneys' fees) arising from your violation of this User Agreement or misuse of this Site, or any service, product, information or materials provided through this Site. Your obligations under this Section will survive your termination of access to or use of this Site, or nonuse of any service, information or material.
CHANGES TO USER AGREEMENT
Hometown National Bank reserves the right to modify this User Agreement at any time without notice, but the most current version of the User Agreement will always be available to you by clicking on the link at the bottom of this Site. If you find the User Agreement unacceptable at any time, you may discontinue your use of this Site, but such User Agreement shall survive such discontinuation with respect to activity occurring prior to such discontinuation. By continuing to use this Site after the date of any change of this User Agreement, including accessing the Site, you agree to be bound by the provisions contained in the most recent version of this User Agreement.
In the event any of the provisions of this User Agreement shall be held to be unenforceable, the remaining provisions shall be unimpaired, and the unenforceable provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. This User Agreement shall be subject to any other agreements you have entered into with Hometown National Bank.
This site (excluding linked sites) is controlled by Hometown National Bank from its offices within the State of Washington, United States of America. By accessing this site, you agree that all matters relating to your use of this site shall be governed by the statutes and laws of the State of Washington, and the federal laws of the U.S.A., without regard to the conflicts of laws principles thereof. The application of the United Nations Convention of Contracts for the International Sale of Goods, and the model Uniform Computer Information Transactions Act approved by the National Conference of Commissioners on Uniform State Laws (as enacted and/or modified into any state law in the U.S.A.), are expressly excluded and shall not apply.
Jurisdiction and Venue
You agree and hereby submit to the exclusive personal jurisdiction and venue of the State courts in King County, Washington, and the United States District Court for the Northern District of Ohio, Eastern Division, with respect to all matters relating to your use of this Site and any information or materials available through this Site. You hereby consent to such jurisdiction and venue.
The terms and conditions of Hometown National Bank's Arbitration Provision posted on this site is incorporated into and made a part of this User Agreement.
To the fullest extent permitted by applicable law, this User Agreement and any other agreements, notices, disclosures, messages or alerts, or other communications regarding the Site or any financial service or product with Hometown National Bank (collectively referred to as "Communications"), may be provided to you electronically and you agree to receive Communications in an electronic form. Electronic Communications may be posted on the pages within this Site and/or delivered to your e-mail address on record with us. You will print a paper copy of any electronic Communication and retain it for your records. All electronic Communications will be considered to be "in writing," and to have been received and effective upon posting on this Site or dissemination to your email address, whether or not you have retrieved or read the electronic Communication. Hometown National Bank reserves the right to provide Communications in paper format. Your consent to receive Communications electronically is valid until you revoke your consent by notifying Hometown National Bank by a paper writing of your decision to do so. If you revoke your consent to receive Communications electronically, Hometown National Bank may terminate your right to use the Site or obtain electronically Hometown National Bank's financial services or products (including redeeming any deposit accounts), and you accept sole liability for any early withdrawal penalty, tax or other consequence resulting from an involuntary termination of a Financial Service, to the extent permitted by law.
ELECTRONIC SIGNATURE; ELECTRONIC RECORDS
At Hometown National Bank's option, Hometown National Bank may adopt or accept commercially reasonable authentication procedures and security procedures to: (a) verify the identity of a sender of Electronic Records, (b) determine the Electronic Record has not been altered during electronic transmission or storage, and (c) authenticate the sender's Electronic Signature and attribute the Electronic Record to such sender, subject to such terms, conditions, and disclosures as Hometown National Bank may impose from time to time. You may adopt as your signature an electronic identification consisting of symbol(s) or code(s) or sign online by enrolling in a service or applying for a financial product and clicking on an "accept button" ("Electronic Signatures"), subject to Hometown National Bank's customer authentication and security policies and procedures applicable to this Site, which may be affixed or logically associated with such electronic agreements, disclosures, notices, records or data ("Electronic Records") transmitted by you to Hometown National Bank or from Hometown National Bank to you. To the extent permitted by applicable law, such Electronic Signature shall be sufficient to verify and authenticate your identity and to evidence your acceptance of and agreement to be bound by the terms and conditions of such Electronic Record.
All text, images, graphics, animation, video, music, data, and other materials on this website are subject to copyright and other intellectual property rights of Hometown National Bank, its subsidiaries, affiliates or licensors. These materials may not be copied, reproduced, distributed, modified, licensed, or reposted to other websites without the express written permission of Hometown National Bank. Systematic retrieval of data or other content from this website to create or compile a collection, database or compilation without prior written permission from Hometown National Bank is strictly prohibited.
Hometown National Bank and their respective logos, as well as other trademarks and service marks (collectively, the "marks") appearing on this website are marks of Hometown National Bank, its subsidiaries, affiliates or licensors.