Terms of Use

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. BY ACCESSING ANY PAGE OF THIS SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO ALL THE TERMS AND CONDITIONS BELOW PLEASE DO NOT ACCESS THIS SITE OR ANY OF ITS PAGES.

General

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change at any time without notice. The most current version of the Terms of Use will be available to you on the web site. If you find the Terms of Use unacceptable at any time, you may discontinue your use of the web site. By continuing to use the web site after the date of any change to these Terms of Use, including accessing the web site, you agree to be bound by the terms, conditions and descriptions contained in the most recent version of this agreement.

You are authorized to view the information available on the web site for your informational purposes only. Unauthorized use of Hoyne Savings Bank's web sites and systems, including but not limited to unauthorized entry into Hoyne Savings Bank or third party systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. It is unlawful to intentionally cause damage to this web site or to any Hoyne Savings Bank or third party electronic facility or data through knowing transmission of any program, computer virus, information, code or command. This system and related equipment are subject to monitoring. Your internet activities may be monitored while on the web site. If you do not consent to monitoring of activity, please exit the system now.

All users may not be eligible for all the products and services offered by Hoyne Savings Bank or its subsidiary. Your eligibility for particular products and services is subject to final determination by Hoyne Savings Bank or its subsidiary. Hoyne Savings Bank reserves the right to modify or terminate your access to products and services offered on the web site, in whole or in part, at any time.

Use of this web site shall be governed by all applicable Federal laws of the United States of America, international treaties, and the laws of the State of Illinois, not withstanding any principles of conflicts of law.

Limitation of Liability

In no event will Hoyne Savings Bank and its subsidiary be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this web site or any linked site 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 or line or system failure, even if Hoyne Savings Bank, or representatives thereof, are advised of the possibility of such damages, losses or expenses.

Hoyne Savings Bank and its subsidiary hereby disclaims any warranties, endorsement or representations, express or implied, related to any product, service, advertisement or other information contained herein. This includes any content contained, distributed, linked or downloaded from the web site. Any products or services from this web site are to be used at your own risk, with no obligations or liability by Hoyne Savings Bank.

Copyright and Trademarks

All of the pages and screens of the site are owned by Hoyne Savings Bank unless otherwise indicated. You are prohibited from displaying, distributing, publishing, selling, transmitting, licensing, creating derivative works or to using any content that is contained within the Hoyne Savings Bank web site for any purpose whatsoever without the express written consent of Hoyne Savings Bank.

You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the web site, including but not limited to, logos except as authorized by Hoyne Savings Bank. You may not use any of the Hoyne Savings Bank trademarks as a link to the web site except as authorized by Hoyne Savings Bank.

DISCLAIMER OF WARRANTIES - ACCURACY OR COMPLETENESS OF INFORMATION AND MATERIALS

THE INFORMATION CONTAINED IN THIS WEB SITE, INCLUDING BUT NOT LIMITED TO, TEXT, GRAPHICS, LINKS, OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". HOYNE SAVINGS BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. THE CONTENT OF THIS WEB SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS 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, OR ANY TYPE OF MALICIOUS COMPUTER CODE, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

DISCLAIMER OF LIABILITY RELATIVE TO THIRD PARTIES - LINKS

THIS WEB SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES (NON-AFFILIATES OF HOYNE SAVINGS BANK). HOYNE SAVINGS BANK HEREBY DISCLAIMS LIABILITY FOR ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, HOYNE SAVINGS BANK DOES NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THE WEB SITE, NOR IS HOYNE SAVINGS BANK LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY OR TERMS OF USE POLICY DIFFERENT FROM THAT OF HOYNE SAVINGS BANK AND THE THIRD PARTY WEB SITE MAY PROVIDE LESS SECURITY THAN THE HOYNE SAVINGS BANK WEB SITE.

E-mail Messages and Submissions

Messages sent by electronic mail may not be secure, might be intercepted by third parties and might not be immediately received by the appropriate department or individual at Hoyne Savings Bank. Please do not use electronic mail to send to Hoyne Savings Bank communications that contain confidential information, that Hoyne Savings Bank requires to be in writing or that need the immediate attention of Hoyne Savings Bank. Except as specifically agreed by us or required by law, we will not be subject to any obligations of confidentiality regarding, or liability for losses or damages incurred as a result of, submitted information or from other information transmitted to any person or entity as a result of a request for such transmission. Be aware that a "receipt" acknowledgment on an electronic mail message means only that the message has been routed into the Internet, not that the message has been received by us.

All information submitted to Hoyne Savings Bank via this web site shall be deemed and remain the property of Hoyne Savings Bank and Hoyne Savings Bank shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information from any visitor to this web site or provided to Hoyne Savings Bank through this web site. Hoyne Savings Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Hoyne Savings Bank entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Hoyne Savings Bank's responsibilities and obligations to customers in accordance with Hoyne Savings Bank's Privacy Policy.

Cookie

In order to provide better service, Hoyne Savings Bank will occasionally use a "cookie". A "cookie" is a file placed on your hard drive by our web page server. These cookies do not collect personally identifiable information, and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address. We use cookies for a number of purposes, such as storing your password so that you do not have to input it every time you visit our site. You can set up your web browser to inform you when cookies are sent or to prevent cookies from being sent. However, disabling cookies may reduce the functionality of certain options available through Hoyne Savings Bank's web site.

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