Terms of Use

TERMS OF USE

Privacy
Farmers State Bank takes your privacy seriously. Please view our Privacy Policy. When you enter into transactions with or provide information to other companies providing content to this Site, you will be subject to their privacy policies.

Disclaimers/Limitation of Liability
Your use of any aspect of the Site is at your own risk. Farmers State Bank will not be responsible or liable for any loss or damage arising from (a) any error, act or omission of others; (b) any error, delay, interruption, operational problem, unavailability, or failure in the Site, any Site component, or any directly or indirectly related equipment, system, programming, or network (including the Internet); (c) any breach of security involving the Site or your account; (d) any viruses or other code or component that may affect your computer system or other property as a result of your use of the Site; (e) any inaccurate, untimely, or otherwise unreliable information resulting from the use of the Site or the materials made available as part of the Site; or (f) any event beyond our control which affects the Site.

Links/Third Party Sites
The Site includes links to sites on the Internet that are owned or operated by third parties (“Third Party Sites”). For purposes of these Terms of Use, the term "link" includes both outbound links (hypertext links to external websites or content) and inbound links (hypertext links which draw material from other sources into this website). When using such links to access a Third Party Site, you do so at your own risk and should review and determine if you agree to such third party’s rules of use and privacy policies before using the Third Party Site. Farmers State Bank has no control over the content of Third Party Sites or any link contained in a linked Third Party Site, or any updates or changes to such Third Party Site and does not assume any responsibility for material created or published on Third Party Sites nor does it accept any liability in connection with the security measures employed by such third parties or Third Party Sites.

Internet Connection
You understand and agree that use of or connection to the Internet is inherently insecure and that any connection to the Internet provides opportunity for unauthorized access by a third party to your computer systems, networks, and any and all information stored therein. You understand that the technical processing and transmission of the Site, including your content, may involve (a) transmissions over various networks and
(b) changes to conform and adapt to technical requirements of connecting networks or devices. ALL INFORMATION TRANSMITTED AND RECEIVED THROUGH THE INTERNET IS POTENTIALLY VULNERABLE TO UNAUTHORIZED INTERCEPTION, DIVERSION, CORRUPTION, LOSS, ACCESS, AND DISCLOSURE. FARMERS STATE BANK WILL NOT BE RESPONSIBLE FOR
(A) ANY ADVERSE CONSEQUENCES WHATSOEVER OF YOUR CONNECTION TO OR USE OF THE INTERNET, (B) ANY USE BY YOU OF AN INTERNET CONNECTION IN VIOLATION OF ANY LAW, RULE, OR REGULATION, OR
(C) ANY USE BY YOU THAT VIOLATES THE INTELLECTUAL PROPERTY RIGHTS OF ANOTHER.

Email
Email may not be secure, so please do not use e-mail to send us communications that contain confidential information such as account numbers, Social Security Numbers, Access IDÕs or passwords, or communications that require immediate attention. If you have questions about your existing account with the bank, please call us instead.

Children
Farmers State Bank does not knowingly solicit individual identifiable personal information from or about children online and does not knowingly market our products to children online. We fully support protecting children's identities and privacy online and recognize the responsibility to do so rests with both the online industry and with the parents.

Governing Law/Jurisdiction
These Terms of Use constitute a contract between you and Farmers State Bank which shall be governed by the laws of the State of South Dakota and by any applicable federal laws or regulations. Farmers State Bank makes no representation that the materials on the Site are appropriate or available for use in other locations and if you use this Site from other locations, you are responsible for compliance with applicable local laws.

International Users
This Site is controlled, operated, and administered from offices within the United States of America. We make no representation that materials at this Site are appropriate or available for use at other locations outside of the United States, and access to them from territories where their contents are illegal is prohibited. You may not use this Site or export the materials from it in violation of U.S. export laws and regulations. If you access this Site from a location outside of the United States, you are responsible for compliance with all local laws.

Indemnification
You agree to defend, indemnify, and hold us and our affiliated companies, and our/their employees, contractors, officers, and directors, agents, and partners harmless from all liabilities, claims, and expenses, including attorneys’ fees, that arise from your violation of these Terms of Use or your use or misuse of this Site, including any violation or misuse by your employees or agents. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

Copyright Notices
The content and works of authorship contained in this Site, including but not limited to all design, text, software and images, are owned by Farmers State Bank and are protected by U.S. copyright laws. Such works of authorship may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without the prior written consent of Farmers State Bank. However, you may download or make one copy of the downloadable materials displayed on the Site, provided that they are not used for any commercial purpose, distributed to third parties or offered for sale to third parties, and further provided that all copyright and other notices contained in the materials are left intact. Modification of the materials contained on the Site or any portion of such materials, or use of the materials for any other purpose, constitutes an infringement of the copyrights and other proprietary rights of Farmers State Bank.

General Terms
These Terms of Use, as well as any written and signed agreements that you may have with Farmers State Bank, constitute the entire agreement between you and us with respect to the Site and govern your use of the Site. You also may be subject to additional terms and conditions that may apply when you use third-party software. The failure of Farmers State Bank to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of these Terms of Use shall remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or these Terms of Use must be filed within one year after such claim or cause of action arose or be forever barred. The section titles in these Terms of Use are for convenience only and have no legal or contractual effect.