Terms and Conditions

This web site is maintained by North Valley Bank to provide you with information about the products and services North Valley Bank provides. By accessing this site, you are agreeing to the following terms and conditions.

Products and Services

The information provided on this website is subject to change at the discretion of North Valley Bank. Not all products and services are available in all geographic areas. Your eligibility for particular products or services is subject to determination by and the approval of North Valley Bank.

Communication

You may contact us by calling or visiting your closest North Valley Bank office. If you prefer to contact us by e-mail, please do not include any confidential or private information. Email is not considered a secure communication channel and as such North Valley Bank cannot guarantee the confidentiality of information sent via this method. If you choose to send email messages to us that contain personal, business, financial, account or other confidential information you do so entirely at your own risk and North Valley Bank will not be responsible for any loss or damages you may incur from this communication.

Links

This site may contain links to web sites which are maintained or offered by third parties. North Valley bank is not responsible for any information, products or services posted or offered at any of the third party sites linked to this website. By providing third party links, North Valley Bank does not endorse or guarantee any products or services offered or information contained at that web site, nor does North Valley Bank warrant the security or use of confidential information submitted to such sites.

Disclaimer of Warranties

North Valley Bank makes no commitment to update information contained on this site. North Valley Bank assumes no liability or responsibility for any errors or omissions in the content contained on this site. All content displayed or available through this site is offered as a convenience. All responsibility or liability from damages caused by viruses contained within the electronic files or at the website is disclaimed.

Limitation of Liability

North Valley Bank shall not be liable for any loss of revenue or profits, incidental, or indirect, special or consequential damages, including but not limited to damages arising out of loss of data, computer viruses, inability to use the site or any linked site, or otherwise arising out of any malfunction of the web site, even if North Valley Bank is advised of the possibility of such damages in advance.

Copyright and Trademarks

The trademarks, logos and service marks displayed on the North Valley Bank website are the property of North Valley Bank. Users are prohibited from using any marks without the written consent of North Valley Bank. All displayed content available on this site is protected by copyright. Users are prohibited from distributing, transmitting, displaying, modifying, copying, publishing, or using any content for commercial, public, or unlawful purpose.

Governing Law

North Valley Bank’s web site is controlled and maintained by North Valley Bank from within the State of Ohio, United States of America. The services and products described and information provided on this web site are not intended for distribution or use by any person in any country or jurisdiction where such distribution would be contrary to law or regulation or that would subject North Valley Bank to any registration requirement within such jurisdiction or country. Persons who access this website do so on their own initiative and are responsible for compliance with applicable local laws and regulations. By accessing this site, User and North Valley Bank agree that all matters relating to User’s access to, or use of, this site shall be governed by the statutes and laws of the State of Ohio, and the federal laws of the Unites States of America. If you take legal action relating to these terms, you agree to do so only in state or federal court within the State of Ohio, and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action.

Cookies

Cookies are small text files on your system, used for keeping track of settings or data for a particular Web site. Because the servers that receive your requests for Web pages have no way of knowing specifically who is making a request, they have no way of storing settings for specific users or changing the page they send based on choices a user has made on another page.

Cookies solve this problem by saving settings on your (the user's) system. When your browser requests a page, it sends the settings that apply to that page along with the request. Because your browser will send back only the settings to the server that originally created them, cookies are a very secure way of maintaining data that is specific to a particular user.

Cookies can be temporary or permanent. Your browser keeps track of temporary cookies as long as it is running, but deletes them when it is shut down. Temporary cookies are used to pass information between Web pages during a single visit. ( Your Casual E-Banker uses this method.)

Your browser saves permanent cookies as tiny files on your system to maintain settings or data between multiple visits. "Permanent" cookies are actually set to expire at some time in the future (commonly between 30 days and a year from their creation date), and are automatically deleted from your system at that time.

Cookies are currently the only way to save personal choices between visits to a Web page without having to log on each time you come to the page.

Although disabling cookies for your browser is an option, it's intended for a small minority of people with extreme security or privacy concerns. If you choose it, you give up a lot of convenience in exchange for a small amount of perceived privacy.

For example, with or without cookies , it is currently possible for the creators of a Web site you visit to keep track of such things as the following:

•  The address of the page that contained the link that brought you to their site

•  All the pages you visit on their site

•  Choices you made on forms on their site

•  What browser you are using

•  Extensions you might have added to your browser

•  The operating system you are using

•  The time your system clock is set to

•  The absolute address (IP address) of the server that connects you to the Internet

The only thing cookies add is the ability to keep track of this type of information over multiple visits , thereby allowing the creators of the Web site to build a more precise profile of a particular visitor's preferences.

But the creators of a Web site do not have access to personal information such as your name or your e-mail address unless you specifically give it to them. Therefore they have no way of matching any data they might have gathered with a specific user.

The only information available to a Web site that comes close to identifying you specifically is the IP address, but most Internet servers provide connections for multiple users, and each user is usually assigned a new IP address randomly each time they log on.

Change in Terms and Conditions

North Valley Bank reserves the right to change the above terms and conditions at any time without notice.

BACK TO TOP

Printer friendly version (pdf)