TERMS OF USE FOR VERABANK WEBSITES

This Agreement revised and effective as of January 2019

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By visiting and using VeraBank, N.A. and its subsidiaries’ websites, referred to as “VERABANK WEBSITES”, you indicate your acknowledgement to the following ‘Terms of Use’.

VeraBank may revise these ‘Terms of Use’ at any time by updating this web page; revisions will be binding upon all visitors to VERABANK WEBSITES. You should therefore visit this web page, from time to time, to review these ‘Terms of Use’.

For purposes of these ‘Terms of Use’ references to “VeraBank” include its subsidiaries, affiliates, directors and employees.

Computer Requirements

To use VERABANK WEBSITES, you must have a device (personal computer, tablet, smartphone, etc.) that is connected to the internet. You are responsible for the selection, installation, maintenance and operation of your device and software. VeraBank is not responsible for any errors, failures or malfunctions of your device or software. You are responsible for ensuring that your device and software are compatible with VERABANK WEBSITES. We reserve the right to change the system requirements for using VERABANK WEBSITES at any time.

Online Banking Services

These ‘Terms of Use’ apply to all VeraBank web services that require registration, such as VeraBank Online and Mobile Banking, Business Banking Online, Bill Pay or any VeraBank website or service that requires a separate registration, disclosure, and terms and conditions.

Laws and Regulations

Access to and use of VERABANK WEBSITES is subject to all applicable federal, state and local laws, and regulations.  These “Terms of Use”, including any dispute related thereto, shall be governed and construed in accordance with the laws of the State of Texas and applicable federal law.  Any suit or other action arising out of or relating to these Terms of Use shall only be brought in a court of competent jurisdiction in the Eastern District of Texas.

Copyright and Trademark Information

The logos, information, images and resources contained in VERABANK WEBSITES is property of VeraBank. Trademarks that are not owned by VeraBank will be designated as belonging to third parties. Nothing contained on VERABANK WEBSITES shall be interpreted as granting by implication, estoppel or otherwise any license or right under any patent, trademark, copyright (except as expressly stated above) or proprietary rights of VeraBank or of any third party.

Logos of VeraBank and its subsidiaries are property of VeraBank and cannot be used without consent from VeraBank.

The VeraBank website, including this page, may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information at the VeraBank website are the copyright or trademark of third parties and any use is subject to the ‘Terms of Use’ of those third parties.

Limitation of Liabilities and Warranties

Information on VERABANK WEBSITES is provided “as is” and on an “available” basis.

VeraBank strives to provide accurate and up-to-date information on VERABANK WEBSITES, but information contained on VERABANK WEBSITES may include technical inaccuracies or typographical errors. VeraBank from time to time amends, changes, adds, deletes, updates or alters the information contained on VERABANK WEBSITES, including information regarding the products and services described on VERABANK WEBSITES, without notice. VeraBank assumes no liability for any errors or omissions in the information contained at VERABANK WEBSITES.

In no event shall VeraBank be liable for any damages, whether punitive, special, direct, indirect, exemplary or consequential, including but not limited to loss of use, data, or profits, without regards to the form of any action, including but not limited to contract and tort actions (including libel), arising out of or in connection with the use, copying or display of, or the interaction or any other form of communication with, VeraBank website and the information contained on VERABANK WEBSITES; this includes via virus, malware or any other form of software.

Marketing

Opting out of VeraBank marketing does not apply to VERABANK WEBSITES; by using VERABANK WEBSITES you agree that we may market our services and the services of other companies on VERABANK WEBSITES using banner ads, hyperlinks and other similar marketing devices.

Non-affiliated companies will be solely responsible and liable for the provision of or failure to provide stated services, benefits or products. VeraBank does not legally endorse or guarantee products or services provided by non-affiliated companies and such products or services are neither FDIC insured or bank guaranteed.

Links to Other Internet Websites

Some links on VERABANK WEBSITES are to websites controlled by third parties and are not under the control of VeraBank. Although VeraBank may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by VeraBank with respect to that website, its owners or its providers. VeraBank is providing these links only as a convenience to you or as a compliance requirement. VeraBank has not tested any information, products or software found on third party websites. It is your responsibility to take precautions to ensure that whatever you select is free of items such as viruses, worms, Trojan horses and other items of a destructive nature.

VeraBank is not liable to any party for any direct, indirect, special or other consequential damages for any use of any hyperlinked website, including, without limitation, any lost profits, business interruption, loss of programs or other data on your system or otherwise.

USA Patriot Act Disclosure

Federal law requires all financial institutions to notify applicants that they will obtain, verify and record information that identifies each person who opens an account or applies for a loan. When you open an account or apply for a loan, we are required to ask your name, home address, date of birth and other information that will allow you to be identified as the account applicant. In addition, we may ask to see your driver’s license or other identifying documents in order to verify your identity.

Feedback

Any “feedback”, comments, questions, materials or similar communications, submitted through VERABANK WEBSITES, shall be deemed to be the property of VeraBank. VeraBank shall have no additional obligations with respect to such feedback and shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the feedback to others without limitation. Further, VeraBank shall be free to use any ideas, concepts, know-how or techniques contained in such feedback for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such feedback.

Privacy

The VeraBank Privacy Policy can be viewed at www.verabank.com/privacy-policy.

Website Accessibility

VeraBank is always working to enhance our website and its services, this includes constant effort to make our website accessible and usable for all our customers. We strive to meet online design and usability requirements recommended by Web Content Accessibility Guidelines 2.0 (WCAG 2.0) Level A and AA.

If you do find an accessibility issue, please be sure to contact VeraBank to let us know of the specific page(s) with the issue(s) and the issue(s) you encountered. VeraBank will make all reasonable efforts to improve the accessibility of the page(s) in question.

Cookies

This site uses cookies and other tracking technologies to assist with security, navigation, pages visited, statistics of your use of VeraBank products and services, and to provide content from third-parties.

For VeraBank Online Banking and VeraBank Business Banking Online services, cookies will be used for security and to render content and services from third-party service providers. For the best experience, we recommend allowing cookies from VeraBank and from third-parties.

What are cookies?

Cookies are commonly used text files containing small amounts of information which are downloaded to your device when you visit a website. When you visit any web site, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences, or your device, but typically it does not directly identify you. Cookies are mostly used to make the site work as expected and to provide a more personalized web experience.

Can I manage cookies?

You can manage cookies, whether they are allowed or blocked in general or by website, in your browser settings. If you choose to not allow cookies or delete cookies, you may experience inconvenience and may be unable to use certain website services. For example, by not accepting or deleting VeraBank cookies, you will have to receive a security passcode on every login to VeraBank Online Banking. Not allowing cookies or deleting cookies on the browser level could cause issues on other websites as well, especially on websites that have a login as part of using that website.

Prohibited Uses

Personal Use
  • Only Use of VERABANK WEBSITES is only for your personal, noncommercial use unless you and VeraBank have agreed otherwise.
    Use of VERABANK WEBSITES for your business accounts with VeraBank are considered personal use.
Electronic Communications
  • You may not send electronic communications (email, web form, chat, etc.) to VeraBank that is illegal, obscene, profane, threatening, defamatory, invasive of privacy, infringing of intellectual property rights; or that contains harmful code, political campaigning, commercial solicitation, chain letters or mass mailings; or violates any applicable law.
Website Access
  • You may not use VERABANK WEBSITES in any manner that could damage, encumber, shutdown or overburden any VeraBank equipment or software; this also applies to VeraBank affiliates and subsidiaries, or third-parties who provide web services to VeraBank. You may not use any means of systematic data retrieval on VERABANK WEBSITES. Unless specifically approved by VeraBank, you may not acquire or attempt to acquire any content or information on VERABANK WEBSITES that requires login authentication, passwords, PINs or any other means of authentication. You may not use the login information belonging to another person, business or VeraBank, unless they specifically authorized you to do so.
False Information
  • You may not intentionally provide any false information when you register for online banking services, apply for banking products or services, or submit online forms on VERABANK WEBSITES.
Framing
  • You may not frame any VeraBank website content onto your website.
Links
  • You agree to obtain our permission before creating a hyperlink or similar link or connection to VERABANK WEBSITES
Endorsements
  • You may not use VeraBank or any VeraBank subsidiaries or affiliates' names or trademarks in any way that implies affiliation with, or an endorsement, sponsorship or approval by VeraBank without express written permission.

Violations of ‘Terms of Use’

VeraBank reserves the right to seek all remedies available at law and in equity for violations of these ‘Terms of Use’, including the right to block access from a specific internet address to the VeraBank website.

You agree to indemnify, defend and hold harmless VeraBank from any liability, loss, claim and expense, including attorney’s fees, related to your violation of these ‘Terms of Use’ or your use of these services and information provided at VERABANK WEBSITES.