Terms of Use

THESE TERMS GOVERN THE USE OF THIS WEB SITE.  PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE.  THESE TERMS MAY BE CHANGED FROM TIME TO TIME AND ALL USERS AGREE TO BE SUBJECT TO THE TERMS AS SUCH MAY CHANGE FROM TIME TO TIME.  IF YOU DO NOT AGREE WITH THE TERMS, DO NOT ACCESS THE WEB SITE.  BY ACCESSING THE WEB SITE OR ANY OF ITS PAGES, YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

Website Content

This web site has been established by Valley Bank & Trust for the sole purpose of conveying information about the bank’s products and services and to allow communication between Valley Bank & Trust and its customers.  All information, documents and materials posted on this Website are only for the internal use of Website users.  All information, documents and materials posted to this Website are subject to change without prior notification.  All services and products described in this Website are subject to the terms of the applicable account agreements.  Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services.  If any information conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.  You may not be eligible for all the products or services offered through this Website and not all products and services may be available in all geographic areas.  A Website user’s eligibility for particular services and products are subject to final Valley Bank & Trust approval.

This website is not directed to children, although we may periodically advertise special accounts that may be appropriate for children.  Parents of children interested in any of our online services should contact us at one of our locations.

Financial Calculators are provided on the Website for your convenience.  The information obtained from the use of these calculators is strictly estimated and may not be representative of actual payment amounts.  The accuracy of the results is not guaranteed. Differences in these results and results obtained by other means are probable due to rounding or slight differences in the mathematical formulas used.

Copyrights and Trademarks

The materials, pages, screens, text, sound recordings, and images contained in this Web site are owned by Valley Bank & Trust or by others, as applicable.  You may copy information from our Website for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice as they appear on the pages copied.  The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, or otherwise used for public or commercial purposes, except as permitted by law.

Privacy

Protecting your privacy is very important to everyone at Valley Bank & Trust.  Please read our Privacy Policy to learn about the information we collect and how we use it.

Electronic Communications

Depending on the email system you use to communicate with us, email is sometimes not entirely secure.  We recommend you take care not to send emails, including from our Contact Us e-mail service, that contain any personal, private or sensitive information such as account numbers, Social Security numbers, user IDs, PINs, passwords, or debit card numbers.

Linked 3rd Party Sites

For your convenience, Valley Bank & Trust may occasionally provide links to other websites operated by non-affiliated third parties that may be of interest to you.  Valley Bank & Trust is not an agent for linked third parties nor do we endorse or guarantee their products and services.  Valley Bank & Trust is not responsible for the content on other websites and the content, accuracy, opinions expressed, and other links provided are not investigated, verified, or monitored by Valley Bank & Trust.  We make no representation or warranty regarding the accuracy of the information contained in linked third party sites.  The products and services offered by linked third parties are not products of Valley Bank & Trust and may or may not be insured by any governmental agency such as the FDIC.

We do not control linked third party sites.  When you click on links to third party sites, you will leave our website and will be redirected to another site.  Linking to other third party sites is at your own risk.  Be aware that the security and privacy policies on linked sites may be different from our policies, so you should read third party privacy and security policies closely.  Valley Bank & Trust will not be held liable for any damage done to a user’s computer, such as a virus being downloaded from a link or site accessed through this Website.  If you have any questions or concerns about the products and services offered on linked third party sites, please contact the third party directly.

No Warranties and Limitation of Liability

We will use our best efforts to include accurate and up to date information on the Website, but we make no warranties or representations as to the accuracy of the information.  By using the Website, you acknowledge and accept that we specifically disclaim any express or implied liability, including the warranties of merchantability, non-infringement of intellectual property, and fitness for any particular purpose.

You further acknowledge and agree that Valley Bank & Trust will under no circumstances be liable to you and/or any third party for any damages including without limitation direct or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this Website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, any other malicious or disabling code of procedure, line or system failure, even if we have been advised of the possibility of such damages.

Each user of this Website agrees to indemnify and hold Valley Bank & Trust, its officers, directors, shareholders, employees and agents harmless from and against all claims and expenses, including attorneys’ fees arising out of the use of this Website and the content herein.

Governing Law

These Terms and the use of the Website are governed by the laws of the State of Colorado.