Terms of Use

SERVICES

The Farmers Bank may provide you with various financial services via the Website, including online banking services, information, tools and calculators, investment and insurance products, product application and information request forms, or other related products or services (“Services”) such as:

Online Banking. The Website provides access to online banking services.

Information. The Website may provide various information relating to financial and other related matters. This information is for educational, reference and informational purposes only. You should not construe this information as legal, tax, investment, financial or other advice.

Tools and Calculators. The Website may provide various tools and calculators. The information provided by these calculators is for illustrative purposes only. The information may vary from your actual loan, mortgage, investment, savings or insurance results. Interest rates are hypothetical and are not meant to represent any specifics. Rates of return will vary over time, particularly for long-term investments. The calculated results are not guaranteed to be accurate and are in no way endorsed, offered or guaranteed by The Farmers Bank.

Investment and Insurance Products. The investment and insurance products provided through The Farmers Bank Trust are not insured by the Federal Deposit Insurance Corporation, are not deposits or obligations of, or guaranteed by, The Farmers Bank, and are subject to risk, including possible loss of principal invested.

Product Application and Information Request Forms. The Website may provide online forms for loan and other services.

Services may be subject to additional terms and conditions. The Farmers Bank may discontinue or change the Services at any time without prior notice and without any liability to you. Nothing contained in this Website constitutes a solicitation, recommendation, endorsement, or offer by The Farmers Bank or a third party provider to buy or sell any financial products or services.

COPYRIGHT AND TRADEMARKS
All content, webpages and screen displays of this Website (“Content”) including, but not limited to, the text, design, layout, images, video, animation, graphics, and source code, is the property of The Farmers Bank, unless otherwise indicated, and is protected by U.S. copyright laws and international treaties.  You are authorized to view the Content for your informational purposes only and may print or download copyrighted materials for your personal or internal business purposes only provided that any proprietary rights notices and any other marks, logos or other legends that appear on the copied or saved screens are not removed or obliterated. You do not acquire any ownership rights by downloading copyrighted Content. You may not copy, download, display, distribute, transfer, link to, sell, license, frame, create derivative works of or republish all or any portion of the Website for any commercial or public purpose unless you first obtain prior written consent from The Farmers Bank.

The Farmers Bank logo is a federally registered trademark or service mark of The Farmers Bank, Frankfort, Indiana or its affiliates.  The Farmers Bank and its affiliates also claim rights in certain other trademarks and service marks contained in this Website. 

Any unauthorized use of the logos, trademarks, or service marks of The Farmers Bank or its affiliates inconsistent with The Farmers Bank’s intellectual property rights or this Agreement, including use in any manner that is likely to cause confusion among clients and customers, is strictly prohibited. 

This site may also contain logos, trademarks and service marks of third parties. You are not authorized to use such logos or marks without the third party's consent.

USER CONDUCT
You agree implement appropriate security including without limitation, network and local firewalls, up-to-date virus protection and security patches for any operating system and application software you use in your computer systems and user identification and password controls to safeguard the internal control and confidentiality of forms, access methods, codes, data, user IDs, and passwords which The Farmers Bank may establish from time to time.  You agree that all such forms, access methods, codes, data, user IDs, and passwords used are commercially reasonable security measures to prevent unauthorized use of the Website and services, and you will keep these secured and confidential.

You agree not to take any action that interferes with the proper working of the Website; imposes an unreasonable or disproportionately large load on the Website's infrastructure; might compromise the security of the Website; renders the Website or any Service inaccessible to others; or otherwise causes damage to the Website or any content.

You agree that you will not use the Website or any information or services related thereto for any unlawful purpose, including, but not limited to, unauthorized entry into The Farmers Bank systems, misuse of passwords, or misuse of any information posted on the Website.  The Farmers Bank, in its sole discretion, shall determine whether any use violates this provision.

SECURITY
Do not communicate confidential information to The Farmers Bank over the Internet, or request that The Farmers Bank communicate confidential information to you over the Internet. If you choose to communicate confidential information to The Farmers Bank over the Internet or request that The Farmers Bank communicate information to you over the Internet, do so using The Farmers Bank’s secure options. The Farmers Bank will not be responsible for any losses or damages you may incur as the result of communication sent or requested over unsecured channels.

HYPERLINKS ARE NOT ENDORSEMENTS
Links to other websites or references to other products, services or publications do not imply the endorsement or approval of such websites, products, services or publications by The Farmers Bank. Third party websites reached through links from this Website may also have privacy and security policies different from The Farmers Bank, and may provide less security. The Farmers Bank is not responsible for the collection, use, or security of information by companies outside of The Farmers Bank that may be linked to on this Website. If you choose to access any software available through links from this Website, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system. You should also ensure that you have a complete and current backup of the information contained on your computer system prior to installing such software. Please review the privacy and security policies of websites reached through links from this Website.

COOKIES
The Farmers Bank uses cookies to make your online experience with our Website more consistent. As a matter of security, we do not embed your personal information, including Social Security numbers or passwords, in our cookies. Cookies also enable online banking to take place. You can set your browser to reject cookies, but disabling session cookies may prevent you from banking online with The Farmers Bank. A session identification number is assigned to each user while navigating the site. The unique identifier key allows the server to recognize you from one page to the next. The cookies used for online banking expire the moment you close your browser window.  To protect your account, you agree to log off any Website application that provides a log off or log out feature before leaving your computer and to close the browser window completely, particularly in any shared public environment.

To opt out of a third-party vendor’s use of cookies, visit the Network Advertising Initiative opt-out page, where you may opt out of cookie-enabled interest-based advertising by some or all members by 1) using opt-out cookies to store your preferences in your browser or by 2) using the “Choose All Companies” feature to opt out in one step from all currently participating NAI member companies that use cookies on your browser for Interest-Based Advertising. Opting out does not mean you will no longer receive online advertising. It does mean that the NAI member company or companies from which you opted out will no longer customize ads based on your interests and web usage patterns using cookie-based technology. Opting out relies on information in the unique cookies placed on your web browser by NAI partners, so if you delete cookies, use a different device, or change web browsers, you may need to opt out again.

GOOGLE ANALYTICS ADVERTISING FEATURES

The Farmers Bank advertises online through our bank-branded social media pages, and on other sites and mobile apps not affiliated with The Farmers Bank.  

CHILDREN'S ONLINE PRIVACY PROTECTION ACT (COPPA) COMPLIANCE
The Farmers Bank Websites do not knowingly collect, maintain, or use personal information about children under age 13. If a child who we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.

ACCESSIBILITY STATEMENT

The Farmers Bank is committed to providing equality of opportunity to persons of all abilities, including equal access to its website.

Our web pages are designed to be consistent with the Level AA recommendations of the World Wide Web Consortium’s Web Content Accessibility Guidelines 2.0. Our goal is for our official web pages, including electronic documents and multimedia, and associated web-based applications to be reasonably compliant with these guidelines.

While we make every effort to ensure accessibility, we are not responsible for third-party-provided web content or applications, such as links to outside sites.

Our efforts to ensure equal access are ongoing, and The Farmers Bank will periodically review its website for adherence to this commitment. If you have a disability, we welcome your feedback about the accessibility of our site. To assist in investigating your concerns and remedying any issues, please include your name and contact information, the URL of the page(s) about which you have feedback, and specifics about any issues you encountered.

This policy may change over time as changes are made to both accessibility guidelines and web technology.

INDEMNIFICATION
You agree to defend, indemnify, and hold harmless The Farmers Bank, its affiliates and their respective officers, employees and agents from and against any and all claims, actions, suits or proceedings, as well as any and all losses, liabilities, damages, costs and expenses (including reasonable attorneys’ fees) arising out of or related to your acts or omissions or those of your employee or agent, if applicable: (a) in providing material that infringes any copyright, trademark, trade secret, patent or other intellectual property right of any person or defames any person or violates any rights of publicity or privacy; (b) in misrepresenting any information  in connection with your use of the Website; (c) in violating  this Agreement; and (d) in using this Website, including information obtained through the Website, for which any claim is brought by a third party.

GOVERNING LAW
These Terms and Conditions will be governed by and be interpreted pursuant to the laws of the State of Indiana, United States of America, notwithstanding any principles of conflicts of law. The state or federal courts located in Clinton County, Indiana, shall have exclusive jurisdiction over any cause of action arising out of or related to the content or use of this site.

INFORMATION PROVIDED BY THIRD PARTIES
The Farmers Bank partners with third-party companies to provide articles of interest as a free service to our customers and the community. The information contained within is designed to offer helpful tips, best practices and tools, and is provided to you for general information purposes only. It is not intended as a substitute for formal legal, accounting, tax or other recommendations for any specific individual or business. Please consult your attorney, accountant or financial or other advisor with regard to your individual situation. The information found here is provided by separate legal entities (third parties), which are not affiliated with The Farmers Bank in any way by common ownership, management, control or otherwise. The Farmers Bank makes no representations or warranties as to the suitability, accuracy, completeness or timeliness of the information provided by third parties. Additionally, The Farmers Bank makes no warranty or representation, and does not endorse any linked websites or the information appearing there. Third-party websites may not have the same privacy, security or accessibility standards.

DISCLAIMER; LIMITATION OF LIABILITY
The Farmers BANK PROVIDES THIS WEBSITE ON AN "AS IS", "AS AVAILABLE" and “WITH ALL FAULTS” BASIS.  The Farmers Bank MAKES NO REPRESENTATIONS AND DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, AS TO THE OPERATION OF, AND THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES, INCLUDED ON, OR USEABLE THROUGH OR BY MEANS OF, THIS WEBSITE.  NEITHER The Farmers Bank NOR ANY OF ITS AFFILIATES WILL BE LIABLE FOR ANY DAMAGES OR INJURY OF ANY KIND, INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES, ARISING FROM ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR OTHER USE OF DATA, DOCUMENTS OR INFORMATION.  YOU EXPRESSLY AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK.

GENERAL
Additional terms and conditions, agreements, disclosures and disclaimers (“Additional Terms”) apply to certain Services. If there is a conflict between this Agreement and any Additional Terms, the Additional Terms govern those Services.  Except for such Additional Terms, if anything in or associated with the Website is in conflict or inconsistent with this Agreement, this Agreement shall control. 

The Farmers Bank’s delay or failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision or of the right to enforce such provision.  No waiver by either party of any breach or default hereunder shall be deemed a waiver of any subsequent breach or default.  The titles and subtitles used in this Agreement are used for convenience only, and are not to be considered in construing or interpreting this Agreement. This Agreement and any Additional Terms constitute the entire agreement between you and The Farmers Bank with respect to your use of the Website.