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Terms of Use

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The following general terms are a legal agreement (“Terms of Use”) between you and The Citizens Bank (“Bank”) regarding the use of Bank’s Web Site (“Web Site”). Please read the Terms of Use carefully. They govern your use of the Web Site. Any breach of the Terms of Use will automatically terminate your authorization to use the Web Site. By accessing the Web Site you agree to abide by the Terms of Use. If you do not agree to all of these Terms of Use you may not browse or access this Web Site in any fashion.

Product and Service Information – This Web Site has been established by Bank for conveying information about Bank’s products and services and to allow communication between Bank and its customers. Other products may appear on the Web Site as advertisements and they do not constitute and offer or commitment to provide any such products or services.

Nothing contained in any page on this Web Site takes the place of Bank’s agreements and disclosures that govern its products and services. If any information on the Web Site conflicts with that in Bank’s agreements and disclosures, the agreements and disclosures will control. 

Restrictions or Limited Access – All of the pages and screens on the Web Site are owned and controlled by Bank, except as otherwise expressly stated. The text, design, software, images, graphics, source code, and other content on the Web Site as well as the selection and arrangement thereof are materials of The Citizens Bank. Unauthorized use, reproduction, linking or distribution of the Web Site is strictly prohibited.  You are authorized to view the information on the Web Site and you may download materials for your personal or internal business purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, transfer, link to reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Web Site without prior written consent from Bank. 

Any access or attempt to access other areas of Bank’s computer system or other information on the system for any purposes is strictly prohibited. You agree that you will not use any robot, spider, other device, or manual process to screen scrape, mime or copy the web pages on this Web Site or the content therein. You agree that you will not use any device, software or routine to interfere with the proper working of this Web Site. You agree that you will not take any action that would overload Bank’s infrastructure.   

Hyperlinks – Links to third party sites on this Web Site are provided solely as convenience to you. If you use these links, you will leave this Web Site. Bank does not control and is not responsible for any of these sites, their content or their policies, including privacy policies. Bank does not endorse third party sites or any information, software or other products or materials located there. You are at your own risk if you link to any of these third party sites. Bank will not be responsible or liable for any damage or loss caused by or in connection with the use of any such third party sites. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if Bank has been informed of the possibility of such loss or damage. 

Electronic Mail – E-mail messages are not confidential. All e-mail and other information submitted through this Web Site become Bank’s property upon receipt. 

Registration – You may be, on occasion, invited to register at the Web Site to access or use some special service or product. In registering, you agree to provide accurate, true, current and complete information about you and/or your business as called for on the screen.  Any information you provide will be protected by Bank as defined in our Privacy Policy.  

Disclaimer – This Web Site is provided on an AS IS, WHERE IS and WHERE AVAILABLE BASIS without warranties of any kind, either express or implied. BANK HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, FREEDOM FROM COMPUTER VIRUS AND DATA ACCURACY. 

YOU ACKNOWLEDGE THAT NEITHER BANK, NOR ANY OF ITS EMPLOYEES, AGENTS, THIRD PARTY PROVIDERS OR LICENSORS WARRANT THAT THE SERVICES OR THE WEB SITE WILL BE UNINTERRUPTED OR ERROR FREE. BANK MAKES NO WARRANTY AS TO THE RESULTS OBTAINED FROM THE USE OF THE SERVICES OR WEB SITE. BANK DOES NOT WARRANT OR MAKE ANY PROMISES REGARDING THE VALIDITY, ACCURACY OR RELIABILITY OF THE MATERIALS ON THE WEB SITE. The materials on the Web Site may be out of date, and Bank makes no commitment to update or correct the materials on this Web Site. The Bank does not guarantee that files for downloading will be free from infection, viruses, worms, Trojan horses or other destructive properties. 

Limitation of Liability – Under no circumstance will Bank, its affiliates, directors, officers, employees, suppliers or third parties involved in this Web Site be liable for any direct or indirect, special, incidental, consequential or punitive damages or damages because of negligence, lost profits, lost data or business interruption arising out of  the use or inability to use this Web Site. If the use of this Web Site results in the need for servicing or repair of equipment or data, you assume all costs thereof. 

Revision to These Web Site Terms of Use – We may revise the Terms of Use at any time without notice by updating this document and posting it to our Web Site. By using this Web Site you agree to be bound by any such revisions. Visit this page to stay current on the Terms of Use to which you are bound.  
COPPA – Bank, in honoring the “Children’s Online Privacy Protection Act of 1998” and any revisions thereof, does not knowingly solicit, collect, use nor disclose information about children. Children should not submit personal information or any other materials via this Web Site. Web Site shall not be deemed directed to children. It is directed to adult use. Any material that encourages or promotes conduct that constitutes a criminal offense or violates any local, state, federal or international law is prohibited.   

Miscellaneous – This Terms of Use is the complete and exclusive agreement between you and Bank relating to the use of the Web Site. In the event of conflict between this Terms of Use and any other such agreement or disclosure with respect to the Web Site, this Terms of Use shall control with respect to this Web Site. 


This Terms of Use shall be governed by and construed in accordance with the laws of the United States and the State of Alabama. You agree you will use this Web Site in accordance with Applicable Law. 

This agreement and the use of this website are governed by the laws of the State of Alabama.

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