Terms and Conditions
General Use
Please read these terms and conditions carefully. These terms govern the use of this website. By accessing the Village Bank (bank) website (villagebankonline.bank) and any of its pages, you agree to be bound by the Terms and Conditions below. If you do not agree with any of the Terms and Conditions, do not access this website. Village Bank reserves the right, in its sole discretion, to revise, modify or otherwise update these Terms and Conditions at any time and you agree to be bound by such revisions, modifications, and/or updates. Village Bank, including employees, officers and/or Board of Directors of Village Bank, may not be held liable for any direct, indirect, special, incidental or consequential damages, including, but not limited to, loss of data or profit, arising out of the use, or the inability to use, the materials on this website, even if Village Bank has been advised of the possibility of such damages. Using this website, you waive all rights to a trial by jury and any legal matters shall be settled through arbitration. Your use of the website in any way constitutes agreement to these Terms.
This website has been established by the Bank for the sole purpose of conveying information about the Bank's products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained on any page on this website takes the place of the bank's agreements and disclosures that govern its products and services. If any information on the website conflicts with that in the bank's agreements and disclosures, the agreements and disclosures will control.
Links to Other Websites
Our website contains links (or hyperlinks) to sources outside of Village Bank that we believe are useful to visitors to our website. They hyperlinks are websites produced and maintained by others (also known as “Third-Party” websites). Your use of the hyperlinks on this website to other internet sites is at your own risk. You acknowledge and understand that there are inherent risks in the use of any software or information found on the Internet. Village Bank is not responsible for the content or accuracy of third-party sites that are hyperlinked from this website, nor does it guarantee the products or services offered on third-party websites. Village Bank provides these links to you only as a convenience and has not tested any software or verified any information found at such websites. Further, the inclusion of any link does not imply Village Bank’s endorsement of the website or its contents. You should carefully review the privacy statements of a website before you provide any personal or confidential information, as they may be materially different from Village Bank’s statements.
No Warranty
The information and materials contained on this website, including text, graphics, links or other items, are provided “as is” and “as available.” Village Bank does not warrant the accuracy, adequacy or completeness of the information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, 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 the information and materials.
Limitation of Liability
In no event will Village Bank be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure, even if Village Bank or its representatives are advised of the possibility of such damages, losses or expenses.
Messages transmitted via electronic mail (e-mail) are not secure and any information transmitted to this website via e-mail will not be treated as confidential. Village Bank may use e-mail or other forms of input provided by visitors to this website for any purpose without compensation to the contributor.
Cookies and Related Technologies
When you visit the website, the Service Provider may receive certain standard information that your browser sends to any website you visit, such as the originating IP address, browser type and language, access times and referring website addresses, and other information generated from “cookies.” This data may be used, among other uses, to improve the operation of the website and to improve the security of the website and service by assisting in "authenticating" who you are when you access the website or service, particularly if you register for the service and are issued or create a username and password. We do not take any special action upon receipt of ‘Do Not Track’ notices. On most devices and browsers, you can choose to be notified before you receive a cookie. You can also reject all cookies if desired. Check your device or browser settings to change your cookie preferences. If you reject all cookies, some website features or pages may not work as efficiently. By continuing to use the Village Bank website, you agree to our use of cookies as outlined in these terms and conditions.
Protecting Children’s Privacy Online
We do not knowingly collect or use personal information from our websites from children under the age of 13 without containing verifiable consent from their parents. Should a child whom we know to be under 13 years old send personal information to us, we will only use that information to respond directly to that child, seek parental consent, or provide parental notice. We are not responsible for the data collection and use practices of non-affiliated third parties to which our websites may link.
For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the website the Federal Trade Commission website: Children's Online Privacy Protection Rule ("COPPA") | Federal Trade Commission (ftc.gov).
Disclosure of Account Information to Third Parties
We do not knowingly collect or use personal information from our websites from children under the age of 13 without containing verifiable consent from their parents. Should a child whom we know to be under 13 years old send personal information to us, we will only use that information to respond directly to that child, seek parental consent, or provide parental notice. We are not responsible for the data collection and use practices of non-affiliated third parties to which our websites may link.
For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the website the Federal Trade Commission website: Children's Online Privacy Protection Rule ("COPPA") | Federal Trade Commission (ftc.gov).
Charges
Online banking may be subject to service charges in accordance with the Fee Schedule adopted by Village Bank.
Applicable Law
Your use of this website is governed by the laws of the State of Minnesota and Federal law. We make no representation that any information, materials, or functions included in this site are appropriate for use in any other jurisdiction. If you choose to access this website from other locations, you are responsible for compliance with all applicable local laws and regulations.