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Terms and conditions

  

Overview

INSOUTH Bank’s Web Site is a service to our customers and visitors. Independent Southern Bancshares and its subsidiaries (“INSOUTH Bank”) provide the materials contained at our site on the World Wide Web (the “Site”) as a service to our customers and visitors. INSOUTH Bank requires that all visitors to the Site adhere to the following Terms and Conditions. 

By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification. INSOUTH Bank may revise these Terms and Conditions at any time by updating this posting, which revisions will be binding upon all visitors to the Site. You should therefore visit this posting to review these Terms and Conditions from time to time as you visit the Site. For purposes of these Terms and Conditions references to INSOUTH Bank include its affiliates, directors and employees.

   

 

Regulations and Laws

User access to and use of the Site are subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. Tennessee law and Federal law will govern the interpretation and enforcement of these Terms and Conditions

Trademark and Copyright Information

The information contained at the Site, including but not limited to text and images herein and their arrangement, are copyrighted by INSOUTH. All rights reserved.

INSOUTH Bank and its logo are trademarks of INSOUTH Bank. All other trademarks are property of INSOUTH Bank unless otherwise designated or clearly implied herein as belonging to third parties. Nothing contained at the Site shall be construed as granting by implication, or otherwise any license or right under any patent, trademark, copyright (except as expressly stated above) or proprietary rights of INSOUTH Bank or of any third party.

You are authorized by INSOUTH Bank to copy, transmit or display any information registered or owned by INSOUTH Bank on any page of the Site solely for your personal, non-commercial use, provided that any such copy, transmission or display includes any copyright, trademark or service mark attribution as it appears on such page. The information and materials contained at the Site may not otherwise be copied, transmitted, displayed, distributed, downloaded, licensed, modified, published, posted, reproduced, used, sold, transmitted, used to create a derivative work or otherwise used for commercial or public purposes without INSOUTH Bank’s prior written consent.

The Site, 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 Site are the copyright or trademark of third parties and any use is subject to the terms and conditions of such third parties

Limitation of Liabilities and Warranties

INFORMATION ON THE SITE IS PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

The information contained at the Site may include technical inaccuracies or typographical errors. INSOUTH Bank from time to time amends, changes, adds, deletes, updates or alters the information contained at this Site, including information regarding the products and services described at the Site, without notice. INSOUTH Bank assumes no liability for any errors or omissions in the information contained at the Site and expressly disclaims any responsibility to update the information contained at the Site.

IN NO EVENT SHALL INSOUTH BANK BE LIABLE FOR ANY PUNITIVE, SPECIAL, DIRECT, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD 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, THE SITE AND THE INFORMATION CONTAINED AT THE SITE (INCLUDING VIA COMPUTER VIRUSES OR ANY OTHER FORM OF SOFTWARE).

Links to Other Internet Web Sites

Some of the Web sites listed as links herein are not under the control of INSOUTH Bank, but rather are exclusively controlled by third parties. Accordingly, INSOUTH Bank makes no representations whatsoever concerning such Web sites. Although INSOUTH Bank may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by INSOUTH Bank with respect to such Web site, its owners or its providers. INSOUTH Bank is providing these links only as a convenience to you. INSOUTH Bank has not tested any information, products or software found on such Web sites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure that whatever you select is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

IN NO EVENT WILL INSOUTH BANK BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF ANY HYPERLINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Marketing

Regardless of whether you have chosen to opt out of certain marketing offers from INSOUTH Bank, by using INSOUTH Online you agree that we may market our services by the use of banner ads, “hyper-links,” and other similar marketing devices. Products offered will be at the sole discretion of INSOUTH Bank, and may be provided by companies not affiliated with INSOUTH Bank. Non-affiliated companies will be solely responsible and liable for the provision of or failure to provide stated services, benefits, or products. INSOUTH Bank 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.

 

Security

INSOUTH Bank uses SecureNow to add a high level of security protection that works across online, mobile and tablet channels.

SecureNow delivers real-time protection against rapidly evolving threats, offering a high level of security protection while maintaining the seamless user experience that digital banking users demand. Combatting cybersecurity threats requires a multi-faceted approach.

SecureNow detects and warns INSOUTH Bank of suspicious behavior, devices, locations and criminal evasion techniques prior to and post log-in, ensuring users are protected throughout their digital banking experience. SecureNow cyber analytics and data profiling detect at sign-in when a log-in comes from an unknown or unlikely location, or one with a history of confirmed fraud, prompting additional authentication or more defensive mechanisms. Once a user is logged in, real-time behavioral analysis is used to recognize and flag account transactions that are suspicious.

Feedback

Any comments or materials sent to INSOUTH Bank, including feedback data, such as questions, comments, suggestions or the like regarding the content of any such documents (collectively “Feedback”), shall be deemed to be the property of INSOUTH Bank. INSOUTH Bank’s use of the Feedback will be in compliance with the INSOUTH Bank Privacy Notice, which is set forth on the Site, and applicable laws. INSOUTH Bank 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, INSOUTH Bank 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. Application information submitted to INSOUTH Bank shall be treated confidentially to the extent required by applicable law or as disclosed in the application.

Notice to Investors

INSOUTH BANK DOES NOT WARRANT OR GUARANTEE THE ACCURACY OR THE COMPLETENESS OF INFORMATION PROVIDED HEREIN WITH RESPECT TO THE INVESTMENT-RELATED INFORMATION THAT MAY BE AVAILABLE BY HYPERLINK OR OTHERWISE. UNDER NO CIRCUMSTANCES WILL INSOUTH BANK BE LIABLE FOR ANY LOSS OR DIRECT, INDIRECT, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY RELIANCE ON THIS INFORMATION OR FOR THE RISKS OF THE STOCK MARKET.

Violations of Terms and Conditions

INSOUTH Bank reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular Internet address to the Site.

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS INSOUTH BANK FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY’S FEES, RELATED TO YOUR VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR USE OF THE SERVICES AND INFORMATION PROVIDED AT THE SITE.
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