PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. THEY APPLY TO YOU.

By using this web site or related sites (collectively, "Site") you agree to be bound by the terms and conditions below, which Apple Bank for Savings ("Apple Bank") may modify from time to time. The most current version of the Terms of Use will be available by clicking on the link at the bottom of the Site. IF YOU DO NOT AGREE TO BE BOUND BY THE AFOREMENTIONED TERMS AND CONDITIONS, THEN YOU MUST DISCONTINUE USE OF THIS SITE.

USE OF SITE INFORMATION AND MATERIALS

You must be an individual aged 18 or older to use this Site. By using the Site you represent and warrant that you have reached the age of majority and will conduct yourself at all times in a lawful manner and in accordance with the Terms of Use.

The content, layout, information and materials, and the terms, conditions and descriptions that appear are subject to change without notice. Any unauthorized use of the Site, including but not limited to unauthorized entry into its systems, misuse of passwords, or misuse of any information posted on any Apple Bank web site is strictly prohibited and may subject you to civil or criminal liability and/or penalties.

Any information or data you submit to Apple Bank using the Site, whether as part of an inquiry, application or some other communication concerning a product, service or account, must be true and complete.

Apple Bank, its affiliates or suppliers may change or discontinue any one or more of the products and services described on the Site at any time, without prior notice or any liability to you.

COPYRIGHT © APPLE BANK FOR SAVINGS 2018

All rights are reserved. Apple Bank for Savings owns or controls all of the web pages, screens, content, information, materials, text, graphics, images, design, layout and arrangement of the Site, unless indicated to the contrary. These are proprietary rights protected by U.S. copyright laws.

You may download web pages and documents from the Site for informational purposes only, consistent with the terms and conditions of the agreements between you and us. They may not be used, copied, uploaded, downloaded, stored, modified, published, reproduced, posted, linked, displayed, distributed, transmitted, licensed, commercially or publicly exploited, modified or converted into any derivative work for subsequent use except as expressly permitted under applicable copyright law or upon the express written consent of Apple Bank, and then only with notice of Apple Bank's proprietary rights therein.

You do not acquire any property rights or ownership interests in copyrighted materials by downloading them.

TRADEMARKS & SERVICE MARKS

You may not use, modify, copy, download, store, publish, reproduce, license, post, link, display, distribute, transmit, exploit (commercially or publicly) or create a derivative work for subsequent use any trademark or service mark on this Site, except upon (1) the express written consent of Apple Bank, and then only with notice of Apple Bank's proprietary rights therein, or, if applicable, (2) with the express written consent of any third-party trademark or service mark holder whose mark(s) appear(s) anywhere on the site.

Any unauthorized public or commercial use of these materials will violate Apple Bank's intellectual property rights and will be subject to the assertion and prosecution of all legal rights and remedies it may have against you. Nothing contained in the Site may be construed as granting you any license or right, express or implied, to make commercial or public use of any trademark, service mark, intellectual property right or copyrighted material of Apple Bank.

The Site also may contain legally protected words and symbols of third parties, including logos, constituting one or more of  their registered or unregistered trademarks or service marks. All such trademarks, logos and service marks are the property of their respective owners. Nothing contained in the Site may be construed as granting you any license or right, express or  implied, to make commercial or public use of any trademark, service mark, intellectual property right or copyrighted material of any such third-party owner.

CONTACT FORMS; EMAIL

Using any Contact Us form (or sending email over the Internet) is NOT secure. Do not send any sensitive or private information (e.g., SSNs, account numbers, account information, User IDs, Passwords, Personal Image or Name, etc.) using a contact form or via any general e-mail messaging system.

DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

YOU ACKNOWLEDGE THAT, EXCEPT AS EXPRESSLY SET FORTH, THE INFORMATION AND MATERIALS CONTAINED IN THE SITE ARE PROVIDED TO YOU ONLY ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.

APPLE BANK DOES NOT WARRANT AND EXPRESSLY DISCLAIMS ANY WARRANTY: 

• EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY AND OF FITNESS FOR A PARTICULAR PURPOSE, WHICH MIGHT OTHERWISE HAVE BEEN CLAIMED TO HAVE ARISEN OUT OF YOUR ACCESS TO AND/OR USE OF THE SITE, INFORMATION, DATA, SOFTWARE, EQUIPMENT AND/OR THE OPERATION OF ANY OF THE SAME.
• THAT THE SITE, SOFTWARE, INFORMATION, DATA OR MATERIALS WILL BE FREE FROM COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECTS.
• THAT ALL OR ANY PORTION OF THE SITE DOES NOT INFRINGE ON ANY THIRD PARTY INTELLECTUAL PROPERTY RIGHTS OR TITLE.

APPLE BANK WILL NOT BE LIABLE FOR ANY OF THE FOLLOWING:

• THE CONTENT OF THE SITE
• THE INFORMATION AND MATERIALS CONTAINED IN OR AVAILABLE THROUGH THE SITE
• LACK OF ACCURACY, TIMELINESS OR PROPER SEQUENCE
• LACK OF ADEQUACY OR SUITABILITY
• INCOMPLETENESS, ERRORS OR OMISSIONS
• ANY LOSS, LIABILITY OR DAMAGE RESULTING FROM ANY OF THE FOREGOING OR ANY OTHER CAUSE OR FROM SYSTEM UNAVAILABILITY, DISRUPTION OR DELAYS IN SERVICE FOR ANY REASON INCLUDING, BUT NOT LIMITED TO, HARDWARE OR SOFTWARE FAILURES, SYSTEM OVERLOAD, SHUT DOWNS OF POWER OR UTILITY LINES, WEATHER DAMAGE, ACTS OF GOD, STRIKE OR LABOR STOPPAGE, GOVERNMENTAL RESTRICTIONS, COURT ORDERED RESTRICTIONS, OR OTHER CAUSES BEYOND APPLE BANK'S REASONABLE CONTROL.

IN NO EVENT WILL APPLE BANK BE LIABLE FOR ANY LOSS OR DAMAGES, INCLUDING WITHOUT LIMITATION, ANY LOST PROFITS, LOST OPPORTUNITIES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, COSTS OR EXPENSES, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, ARISING IN CONNECTION WITH THE SITE OR ANY LINKED SITE OR THE USE THEREOF (OR INABILITY TO USE) BY ANY PERSON OR  PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, MALICIOUS CODE OR LINE OR SYSTEM FAILURE, EVEN IF APPLE BANK,  OR REPRESENTATIVES OR VENDORS THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH LOSSES, DAMAGES OR EXPENSES.

INDEMNIFICATION

You hereby agree to indemnify, defend and hold Apple Bank, its affiliates, directors, officers, employees and agents harmless against liability arising from any third party claim, demand, loss, action, suit or other proceeding, costs and expenses related to your use of the Site or any of the Services.

GOVERNING LAW, JURISDICTION AND VENUE

All applicable laws of the United States of America and of the State of New York shall govern your use of this Site. By using the Site you agree that (1) either the United States Courts or the New York State Courts in the State of New York, as may be applicable, shall have exclusive personal jurisdiction over you and the subject matter of the Terms of Use, and (2) that the proper venue for any action arising out of your use of the Site, respectively, shall either be in the Southern District of New York or in the County of New York. The user waives any objections to such jurisdiction or venue.

(March 2018)