PLEASE READ THESE TERMS OF USE CAREFULLY. These Terms Of Use describe rules for visitors to this website located at www.fnbnorth.com (“Site”). This Site contains information about products and services authorized in the United States, and is intended for an U.S. audience. If you live outside the U.S., you may see information on this Site about products or services that are not available or authorized in your country.
These Terms of Use were last updated on 10/15/01. We may change these Terms of Use at any time. Please review the Terms of Use each time you visit the Site. By using this Site, it means you accept the Terms of Use.
The terms “we”, “our” and “Bank” mean First National Bank North, Walker, MN, and any of its affiliates. “You” means you, the user of this Site.
USE OF MATERIALS ON THIS SITE. The materials on this Site belong to the Bank. There are some important rules about copying these materials. You may download or print one copy of the materials on this Site, but only for your personal, noncommercial use. When you download or print a copy of the materials on this Site, you must also include all copyright and other notices that are in the materials, including the copyright notice on the bottom of the page.
The materials on this Site are protected by United States and foreign copyright laws. If you use the materials in a way that is not clearly allowed by these Terms of Use, you are violating your contract with us and may be violating copyright, trademark, and other laws. In that case, we automatically revoke your permission to use the materials and you must immediately destroy any copies you have made. Title to the materials remains with us or with the authors of the materials contained on this Site. All rights not expressly granted are reserved.
LINKS TO OTHER SITES. This Site may contain links to websites not operated by the Bank. We provide these links for your convenience, but we do not review, control, or monitor the materials on any other websites. We do not control or endorse this type of information. We are not responsible for the performance of those sites or for your business dealings with them. Your use of other websites is subject to the terms of use of those sites, including the privacy policies of those sites.
ADVERTISING. This Site may include advertisements for products or services offered by other companies. The Bank may receive payment from these advertisers. We do not allow advertisers to have any influence on the information we provide. Although we believe you may find that information offered by advertisers is helpful, the Bank does not endorse or guaranty any product or service offered by advertisers. The Site includes promotional material about the Bank’s products and services.
SOCIAL MEDIA Bank’s social media pages (“Social Media Pages”) (e.g., Facebook page) are intended to provide a place for customers and others with an interest in the Bank to discuss Bank related products and activities. All comments, visuals, videos and other type of material posted by users on the Social Media Pages ("User Content") do not necessarily reflect the opinions or ideals of the Bank, its employees or affiliates. Bank (a) does not represent or warrant the accuracy of any statement or product claims made on its Social Media Pages, (b) is not responsible for any User Content on the Social Media Pages, and (c) does not endorse any opinions expressed on the Social Media Pages.
All users must comply with applicable Social Media Pages' Terms of Use and Bank's Terms of Use. Bank does not monitor every posting of User Content on the Social Media Pages. Bank expects, however, that users will not post any materials that fall into any of the following categories and may have removed any materials that:
- Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
- Publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent, misleading or unlawful material or information.
- Upload or attach files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
- Upload or attach files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
- Delete any author attributions, legal notices or proprietary designations or labels in any file that is uploaded.
- Falsify the origin or source of software or other material contained in a file that is uploaded.
YOUR FEEDBACK, COMMENTS AND IDEAS. While the Bank is pleased to receive feedback, comments and ideas from visitors to this Site, we want you to understand that any information that you submit through this Site will be considered non-personal, non-confidential, and non-proprietary (other than personal financial information, as that term is defined in the Gramm-Leach-Bliley Act and our Privacy Policy). If you transmit any ideas, information, concepts, know-how or techniques or materials to us through this Site, you hereby grant the Bank an unrestricted, royalty-free, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute them, and agree that the Bank is free to use them for any purpose.
INDEMNIFICATION. If you use or misuse this Site in a way that causes a lawsuit or other claim of injury against the Bank, you have certain responsibilities. You agree to defend, indemnify and hold the Bank harmless from and against any claims, actions or demands, liabilities and settlements. This indemnification also covers the Bank’s officers, directors, employees, agents, and suppliers. Your indemnification includes, without limitation, the costs of reasonable legal and accounting fees.
DISCLAIMERS AND LIMITATION OF LIABILITY. When using this Site, information will be sent over communication channels that we do not control. As a result, we assume no liability for or relating to the delay, failure, interruption or corruption of any information sent as a part of your use of this Site. We cannot and do not guaranty or promise that files available for downloading through the Site will be free from infection, viruses, worms, or other contaminating or destructive code that may damage your computer files. You use this Site at your own risk. This Site and the materials are provided on an “as is” basis.
THE BANK, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, AND FITNESS FOR A PARTICULAR PURPOSE.
YOU AGREE THAT NEITHER THE BANK NOR ANY PERSON OR COMPANY ASSOCIATED WITH THE BANK SHALL BE LIABLE FOR ANY DAMAGE RESULTING FROM YOUR USE OR INABILITY TO USE THIS SITE OR THE MATERIALS ON THIS SITE. THIS PROTECTION COVERS CLAIMS BASED ON WARRANTY, CONTRACT, TORT AND ANY OTHER LEGAL THEORY. THIS PROTECTION COVERS THE BANK, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND ALL PROVIDERS MENTIONED ON THIS SITE. THIS PROTECTION COVERS ALL LOSSES INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL AND PUNITIVE DAMAGES, PERSONAL INJURY/WRONGFUL DEATH, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION.
THE TOTAL LIABILITY OF THE BANK, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND PROVIDERS, IF ANY, FOR LOSSES OR DAMAGES SHALL BE LIMITED TO THE AMOUNT OF YOUR ACTUAL DAMAGES, NOT TO EXCEED U.S. $ 100.00. THE LIMIT OF LIABILITY MAY NOT BE EFFECTIVE IN SOME STATES. IN NO EVENT SHALL THE BANK, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR PROVIDERS BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES OTHER THAN THE AMOUNT DESCRIBED ABOVE. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE, RESULTING FROM ANY USE OF THE SITE OR MATERIALS ARE EXCLUDED EVEN IF THE BANK, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
JURISDICTION AND VENUE. By using this Site, you agree that the only proper jurisdiction and venue for any dispute with the Bank, or in any way relating to your use of this Site, is in the state and federal courts in the State of Minnesota, U.S.A. You further agree and consent to the exercise of personal jurisdiction in these courts in connection with any dispute involving the Bank or its affiliates, employees, officers, directors, agents, and providers.
These Terms of Use are governed by the internal substantive laws of the State of Minnesota, without respect to its conflict of laws principles, and the federal laws of the United States.
OTHER RULES ABOUT THIS SITE. Except as written in any other disclaimers, policies, terms of use, agreements, or other notices on this Site, these Terms of Use and the Privacy Policy are the complete agreement between you and the Bank with respect to your use of this Site. You may be subject to additional Agreements that may apply when you access particular services or materials on certain areas in this Site (for example, if you subscribe to the Internet Banking Service, you will be subject to the Internet Banking Agreement and Disclosures), or by following a link from this Site. Please read our Privacy Policy to learn how we protect and use information that we gather through this Site.
The Bank may modify or discontinue this Site, with or without notice to you. You agree that the Bank will not be liable to you or any third party as a result of such modification or discontinuation.
The sections called “Disclaimers and Limitation of Liability,” “Indemnification”, “Jurisdiction and Venue” and “Other Rules About This Site” will survive termination of these Terms of Use. The Bank is headquartered in Walker, Minnesota, in the United States of America. The materials on this Site may not be appropriate in other countries. If you access or download information from this Site from outside the United States, you do so at your own risk and are responsible for obeying the laws of your country.
If any provision of these Terms of Use is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Use, which shall remain in full force and effect. No waiver of any of these Terms of Use shall be deemed a further or continuing waiver of such term or condition or any other term or condition.
If you have questions or comments about these Terms of Use, please use the Contact Us feature or send us a letter addressed by First Class Postage Prepaid U.S. Mail or overnight courier to the following address:
First National Bank North
P.O. Box 520
Walker, MN 56484
Attention: Internet Banking Manager
NOTICES. The Bank may deliver notice to you by electronic mail, a general notice on this Site, or by written communication delivered by First Class U.S. Mail to your address on record with the Bank. You may deliver notice to the Bank by using the Contact Us feature, or by letter addressed by First Class Postage Prepaid U.S. Mail or overnight courier to the following address:
First National Bank North
P.O. Box 520
Walker, MN 56484
Attention: Internet Banking Manager
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