This website has been established by PeoplesBank (hereafter referred to as the “Bank,” “we,” “us” or “our”) for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with any term of the Bank’s agreements or disclosures, the term of the applicable agreement or disclosure will control.
Links to Third Party Sites
From time to time the Bank may place links to other websites on this website. We provide links to other sites as a convenience. These linked sites are not under the control of the Bank and we are not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this website.
Tools, Calculators, and Other Resources
This website may contain tools, calculators, and other resources, such as educational information on financial subjects. We provide these as a service, for educational purposes only. The Bank is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of your use of such tools, calculators, and other resources.
No Unlawful or Prohibited Use
The website, or any information contained in the website, shall not be used for any purpose that is unlawful or prohibited by these Terms. The website shall not be accessed, nor materials or services available on the website be used, from territories where such access or use is illegal. The information and materials contained in this website are owned by the Bank or by others, as applicable, and are protected by copyright and trademark laws. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced without prior written consent of the Bank, except as permitted by law.
Minimum Age Requirement
This website is intended for use by persons who are at least 18 years old, or the legal age required to form a binding contract in your jurisdiction if that age is greater than 18. By using this website, you represent and warrant that you are at least 18 years old and of legal age to form a binding contract. If you are under 18, you may use the website only with the permission and involvement of a parent or legal guardian.
License to use website
Unless otherwise stated, the Bank, and/or its licensors own the intellectual property rights in this website and material on this website. Subject to the license below, all these intellectual property rights are reserved. You may view, download for caching purposes only, and print pages from this website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not:
- republish material from this website (including republication on another website);
- sell, rent or sub-license material from this website;
- show any material from this website in public;
- reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
- edit or otherwise modify any material on this website; or
- redistribute material from this website, except for content specifically and expressly made available for redistribution
Where content is specifically made available for redistribution, it may only be redistributed within your organization.
You must not use this website in any way that causes, or may cause, damage to this website or impairment of the availability or accessibility of this website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious or disabling code or procedure.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without the express written consent of the Bank , which consent may be withheld in our sole discretion for any reason.
You must not use this website to transmit or send unsolicited commercial communications.
You must not use this website for any purposes related to marketing without the Bank’s express written consent.
Access to certain areas of this website is restricted. The Bank reserves the right to restrict access to other areas of this website, or indeed this entire website, at our sole discretion for any reason.
If the Bank provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.
The Bank may disable your user ID and password in our sole discretion for any reason without notice or explanation.
This website is provided “as is” without any representations or warranties, express or implied. The Bank makes no warranties of any kind regarding the product offers, services, rates, terms, and other information advertised on this website. The Bank will use reasonable efforts to ensure that all information displayed about our products and services is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use this website without contracting a computer virus or other malicious or disabling code or procedure. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this website. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.
Without prejudice to the generality of the foregoing paragraph, the Bank does not warrant that:
- this website will be constantly available, or available at all; or
- the information on this website is complete, true, accurate or non-misleading.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any financial or legal matter you should consult an appropriate professional.
Information We Collect
Your Privacy & Security
Limitations of Liability
The Bank will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
- to the extent that the website is provided free-of-charge,
- for any direct loss; for any indirect, special or consequential loss; or
- for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if the Bank has been expressly advised of the potential loss.
- death or personal injury caused by negligence on the part of the Bank;
- fraud or fraudulent misrepresentation on the part of the Bank; or
- matter which it would be illegal or unlawful for the Bank to exclude or limit, or to attempt or purport to exclude or limit, its liability.
If you do not think they are reasonable, you must not use this website.
Governing Law and Jurisdiction
You agree to electronic communication for all of your transactions and communication with the Bank and this website. You agree that all postings, notices, disclosures, or other communications that we provide to you electronically satisfy any legal requirements that such communications be in writing. You may also contact us with any questions or concerns by e-mail or telephone as follows: firstname.lastname@example.org or 413.538.9500.