Personal Online Banking Disclosure
USER TERMS AND CONDITIONS
First Community Bank hereby publishes the following terms and conditions for User's use of Electronic Banking Services "Internet Banking" and "Internet Banking with Bill Payment".
First Community Bank reserves the right to modify these terms and conditions at any time, effective upon publication. User's use of the Electronic Banking Services constitutes agreement to these terms and conditions and any modifications thereof.
User agrees that the following uses of the Electronic Banking Services are strictly prohibited. User agrees to indemnify, hold harmless, and defend First Community Bank from and against any and all claims, actions, suits, judgments, and expenses (including court costs and reasonable fees of attorneys, accountants, and expert witnesses), at User's sole expense, arising from User's failure to abide by these restrictions on use of the Electronic Banking Services.
Use of the Electronic Banking Services for wire transfers of funds;
Unauthorized communication of any charge or credit-card information belonging to any other person or entity;
Unauthorized communication of any information concerning any password or other on-line access number, code, or identification or any other proprietary information belonging to any other person or entity;
Use of the Electronic Banking Services to copy or to distribute or transmit copies of copyrighted materials belonging to any other person or entity is permitted only to the extent that the owner has provided express permission to the User permitting such activity. Copying or distribution or transmitting copyrighted materials other than with permission as specified above is expressly prohibited.
Communicating any obscene or defamatory information including but not limited to on bulletin boards or in conjunction with conferences; or
Use of the Electronic Banking Services in violation of any telecommunication, postal, or other local laws or regulations of the User's country of origin or of the United States or in furtherance or in the commission of any crime or other unlawful or improper purpose.
First Community Bank and its suppliers make no warranties or representations of any kind with respect to the electronic banking services, whether express or implied, including but not limited to merchantability or fitness for particular purpose and neither bank nor its suppliers nor anyone else who has been involved in the creation, production or delivery of the electronic banking services assume any responsibilities with respect to user's use thereof. No oral or written information or advice given by bank or its suppliers or any of their employees shall create a warranty or in any way increase the scope of this warranty, and user may not rely on any such information or advice.
Any cause of action concerning the Electronic Banking Services under this Agreement must be commenced within one year after such cause of action has accrued.
User further agrees:
Transmission of confidential business and sensitive personal information is at Customer's sole risk;
First Community Bank reserves the right to monitor and review transmissions on-line and in storage, and to remove or reject any material which First Community Bank, at its sole discretion, believes may be unlawful or objectionable, without prior notice to User.
STOP PAYMENTS - verification that check has not paid must be made.
Prior to placing a stop payment, prior bank statements and on-line account activity must be reviewed. If the check has been paid the stop payment is invalid.
SCHEDULED OUTAGE - The Internet Banking system may be down for scheduled service between 1 AM through 3 AM Sunday, Central Standard Time.
RETENTION OF ACCOUNT INFORMATION - The Internet Banking System will allow you to view your activity from the day after your last paper statement cuts off until the current date. When searching for transactions by date on the Internet Banking system, the oldest date you will be able to use is the day after your last paper statement's cutoff date.
E-MAIL NOTIFICATION - The Internet Banking system does not provide a notification that mail has been received from the Bank. It is recommended that you check for e-mail each time you log in to the Internet Banking system.
ELECTRONIC DELIVERY - User agrees to the use of electronic delivery of Electronic Records.