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Terms and Conditions

IMPORTANT TERMS & CONDITIONS NOTICE. PLEASE READ. THE FOLLOWING IMPORTANT TERMS & CONDITIONS (THE "TERMS AND CONDITIONS") GOVERN YOUR USE OF LIBERTY BANK'S WEB SITES, INCLUDING THIS SITE AND THE RELATED ONLINE BANKING SITE. BY USING THIS SITE OR THE RELATED ONLINE BANKING SITE, YOU ARE AGREEING TO THESE TERMS & CONDITIONS (AS AMENDED FROM TIME TO TIME). IF YOU DO NOT ACCEPT THESE TERMS & CONDITIONS, PLEASE DO NOT MAKE ANY FURTHER USE OF ANY LIBERTY BANK WEB SITE.

LIBERTY BANK MAY REVISE THESE TERMS & CONDITIONS FROM TIME TO TIME WITHOUT PRIOR NOTICE. YOU SHOULD VISIT THIS PAGE PERIODICALLY TO REVIEW THESE TERMS & CONDITIONS, BECAUSE THEY MAY CHANGE FROM TIME TO TIME, AND ARE BINDING ON YOU WHENEVER YOU USE ANY LIBERTY BANK WEB SITE.

COPYRIGHT NOTICES. The works of authorship contained in Liberty Bank's web sites, including but not limited to all design, text, sound recordings, icons and images, are owned, except as otherwise expressly stated, by Liberty Bank or one of its subsidiaries. Except as otherwise expressly stated, the works contained in Liberty Bank's web sites 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 Liberty Bank's written consent.

Liberty Bank's web sites are strictly for your own personal noncommercial use. Nothing from a Liberty Bank web site may be modified, sold, transferred, or used by you for commercial purposes. Any downloading, printing or copying from a Liberty Bank web site must be for your personal use only.

CHANGES TO INFORMATION. All information and materials contained in Liberty Bank's web sites, including all terms, conditions and descriptions of products and services, are subject to change without notice. Liberty Bank and participating suppliers may discontinue or make changes in the information, terms, conditions, products or services described in Liberty Bank's web sites at any time. Any dated information is published as of its date only, and Liberty Bank does not undertake any obligation or responsibility to update or amend any such information. Liberty Bank's web sites may from time to time include technical inaccuracies or typographical errors. You may wish to revisit certain pages of Liberty Bank's web sites from time to time to check for updating changes.

Information contained in Liberty Bank's web sites is not intended to provide any specific legal, accounting, financial, or tax advice for any individual or entity, and should not be relied upon or used for any such purposes.

PRODUCTS AND SERVICES. Not all products and services are available in all geographic areas. Liberty Bank reserves the right to terminate any or all products and services offered through Liberty Bank's web sites at any time without prior notice.

Your eligibility for particular products and services is subject to final determination and acceptance by Liberty Bank or any other entity providing such products or services.

INVESTMENT AND INSURANCE PRODUCTS OFFERED THROUGH RAYMOND JAMES OR VANTIS LIFE:

  • ARE NOT OBLIGATIONS OF OR GUARANTEED BY LIBERTY BANK
  • ARE NOT BANK DEPOSITS OR INSURED BY THE FDIC AND
  • ARE SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
  • MAY GO DOWN IN VALUE
  • ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

HARDWARE AND SOFTWARE. For the best online banking experience, we recommend the following browsers and versions: Microsoft® Internet Explorer 6.0, 7.0 (available for downloading at http://www.microsoft.com/), Mozilla or Firefox 2.0, 3.0 (available for downloading at http://www.mozilla.org/), AOL 8.0, 9.0 (available for downloading at http://www.aol.com/), Safari 2.0, 3.0 (available for downloading at http://www.apple.com/). Your web browser must also be compatible with 128-bit Secure Sockets Layer (SSL) encryption in order to access Online Banking.

You must also be able to either download (to your hard disk drive or a floppy diskette) or print web pages (screens) as well as embedded Adobe Acrobat® portable document format (PDF) and hypertext markup language (HTML) files.

DESKTOP SITES: These web pages are best viewed if your computer monitor resolution is set at 1024 by 768 pixels or higher.
MOBILE SITES: These web pages are best viewed if your mobile monitor resolution is set at 320 by 480 pixels or higher.

® -- Microsoft, Windows, Windows NT, and/or other Microsoft products are either trademarks or registered trademarks of Microsoft Corp.

® -- Adobe, the Adobe logo, Acrobat, the Acrobat logo and Adobe Acrobat Reader are registered trade marks of Adobe Systems Incorporated.

SUBMISSIONS. All information submitted to or received by Liberty Bank through a Liberty Bank web site or otherwise through the Internet (including through e-mail) shall be deemed to be and remain the property of Liberty Bank. Liberty Bank shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in any information any visitor to any Liberty Bank web site provides Liberty Bank through the web site or otherwise through the Internet (including through e-mail). Liberty Bank shall not be subject to any obligations of confidentiality regarding any submitted information except as expressly agreed by Liberty Bank or as required by law.

Liberty Bank may collect and use the information described below about your Internet connection and usage whenever you visit a Liberty Bank web site:

  • the dates and times that you access a Liberty Bank web site
  • the web pages you visit
  • if you link to a Liberty Bank web site from other web sites, the address(es) of the other web sites
  • the types and versions of browser and operating systems you use to access a Liberty Bank web site
  • the Internet Service Providers ("ISP") and Internet Protocol ("IP") addresses from which you access a Liberty Bank web site (an IP address is a number that is automatically assigned to your computer whenever you are surfing the web)
  • the actions you try to perform (for example, downloading a document) and whether you are successful

Liberty Bank may use this information to measure the number of visitors to Liberty Bank's web sites and web pages, and to help make Liberty Bank's web sites more useful.

PRIVACY AND SECURITY. Please keep in mind that messages you send to us by Internet e-mail may not be secure. Do not send us any confidential or personal information (including, e.g., account numbers) by Internet e-mail. Liberty Bank will not be responsible for any damages you may incur if you communicate confidential or personal information to us over the Internet, or if we communicate such information to you, at your request.

For further information about Liberty Bank's Privacy and Security policies, please follow the links.

LINKS TO OTHER SITES. Liberty Bank's web sites may contain links to third parties' web sites. These links are provided for convenience purposes only. If you choose to link to such third party web sites, Liberty Bank makes no warranties, either expressed, implied or statutory, concerning the content of such web sites. Liberty Bank does not warrant that such sites or content are free from any claims of copyright or other infringement or that such web sites or content are devoid of viruses or other contamination. Liberty Bank disclaims all liability of any kind whatsoever arising out of your use of, or inability to use such third party web sites, the use of your information by such third parties, and the security of information you provide to such third parties. Third party web sites are not under the control of Liberty Bank. Links to non-Liberty Bank sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. Descriptions of, or references to, products, services, or publications of third parties within any Liberty Bank web site do not imply endorsement of any third party's product, service or publication.

NO WARRANTY. ALL INFORMATION AND MATERIALS CONTAINED OR ACCESSED IN ANY LIBERTY BANK WEB SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS, ARE PROVIDED "AS IS," "AS AVAILABLE". LIBERTY BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED OR ACCESSED IN ANY LIBERTY BANK WEB SITE, AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN ANY SUCH INFORMATION OR MATERIALS. NO WARRANTY OF ANY KIND, EXPRESSED, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH ANY INFORMATION OR MATERIALS CONTAINED OR ACCESSED IN ANY LIBERTY BANK WEB SITE.

Liberty Bank is not responsible in any manner for any direct, indirect, special or consequential damages, howsoever caused, arising out of use of any Liberty Bank web site.

GENERAL. These Terms and Conditions are governed by federal law and the substantive laws of the State of Connecticut, without regard to principles of conflict of law or choice of law. If any provision of these Terms and Conditions is determined to be void or unenforceable, in whole or in part, by a court having jurisdiction, it shall be severable from all other provisions and shall not affect or impair the validity of any other provisions of these Terms and Conditions. Each provision of these Terms and Conditions is deemed to be separate and distinct. The captions in these Terms and Conditions are for convenience only and are not intended to affect the meaning or interpretation of these Terms and Conditions. QUESTIONS? If you have any questions, or want further information, you may contact the bank through our Contact Us web page on this site or if you prefer to communicate with Liberty Bank by telephone or through the mail, please telephone (888) 570-0773 or write to Marketing Director, Liberty Bank, 315 Main St., Middletown, CT 06457.

Suggested web site links:

EQUAL CREDIT OPPORTUNITY ACT NOTICE

THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT PROHIBITS CREDITORS FROM DISCRIMINATING AGAINST CREDIT APPLICANTS ON THE BASIS OF RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, MARITAL STATUS, AGE (PROVIDED THAT THE APPLICANT HAS THE CAPACITY TO ENTER INTO A BINDING CONTRACT); BECAUSE ALL OR PART OF THE APPLICANT'S INCOME DERIVES FROM ANY PUBLIC ASSISTANCE PROGRAM; OR BECAUSE THE APPLICANT HAS IN GOOD FAITH EXERCISED ANY RIGHT UNDER THE CONSUMER CREDIT PROTECTION ACT. THE FEDERAL AGENCY THAT ADMINSTERS COMPLIANCE WITH THIS LAW CONCERNING THIS CREDITOR IS: Federal Deposit Insurance Corporation Division of Compliance and Consumer Affairs, 350 Fifth Ave., Suite 1200, New York, NY 10118.

UNDER THE EQUAL CREDIT OPPORTUNITY ACT IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION On the basis of race, color, national origin, religion, sex, marital status or age,· Because income is from public assistance, or· Because a right was exercised under the Consumer Credit Protection Act. IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

FDIC Consumer Response Center
1100 Walnut St, Box #11
Kansas City, MO 64106

EQUAL HOUSING LENDER

We Do Business in Accordance With Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18) TO:

Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or

Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST,YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, DC 20410

For processing under the Federal Fair Housing Act and to:

FDIC Consumer Response Center
1100 Walnut St, Box #11
Kansas City, MO 64106
 
Member FDIC.  Member FDICEqual Housing Lender.  © Liberty Bank 2014.  All Rights Reserved.