BEFORE USING THIS WEBSITE PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.
We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site, or any pages therein.
Unauthorized use of The Twin Valley Bank website and systems including but not limited to unauthorized entry into our Internet banking system, internal network, misuse of passwords, or misuse of any information posted on our website is strictly prohibited.
Any and all information, materials, product offerings, services, terms and conditions are subject to change without notice.
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 many office locations.
Linked 3rd Party Sites
The Twin Valley Bank maintains this website to provide you with information about our products and services. For your convenience, we may also provide links to various third parties websites that may be of interest to you. The Twin Valley Bank does 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. The content on linked sites may change without notice.
WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE ACCURACY OF THE INFORMATION CONTAINED IN LINKED THIRD-PARTY SITES.
We suggest that you always verify the information obtained from linked sites before acting upon this information. The Twin Valley Bank is not an agent for linked third parties nor do we endorse or guarantee their products and services. The products and services offered by linked third parties are not products of The Twin Valley Bank and are not insured by any governmental agency such as the FDIC.
Also, please be aware that the security and privacy policies on linked sites may be different from our policies, so please read third party privacy and security policies closely. If you have any questions or concerns about the products and services offered on linked third party sites, please contact the third party directly.
We may provide links to Investment or Securities companies, which offer products such as stocks, bonds, mutual funds, and annuities. These investment companies are not affiliated with this institution. Furthermore, investment products offered through this website:
We may also provide links to purchase insurance products. Please note that insurance and annuity products available through this site:
Use of Information Submitted Through the Website
If you need to communicate personal or confidential information, please do not use the email feature on this website, it is not a secure email service. Instead contact us by telephone, or you may use the secure mail feature within our Internet Banking Service.
Any dated information on this site is "As Of" its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information, DATED OR OTHERWISE, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS.
All information, materials AND services contained in this site, including graphics, links, AND ANY other items are provided "AS IS", “AS AVAILABLE” to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property, fitness for any particular purpose, AND FREEDOM FROM COMPUTER VIRUS.
All registered and unregistered trademarks are the sole property of their respective owners. Unauthorized reproduction in whole or part is prohibited.
The Twin Valley Bank owns copyright in the pages, screens, text, sound recordings, and images appearing at this site unless otherwise indicated.
Limitation of Liability
THE TWIN VALLEY BANK 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, line or system failure, even if the twin valley bank has been advised of the possibility of such damages.
FURTHERMORE, THE TWIN VALLEY BANK will not be liable for any difficulty in use, or for the incompatibility between this website and YOUR WEB BROWSER OR OTHER site accessing program. Nor will THE TWIN VALLEY BANK be liable for any other problems you experience due to causes beyond our control.
No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and The Twin Valley Bank.
This agreement shall be governed by and construed in accordance with federal statutes and the laws of the State of Ohio.
This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.
Certain services or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those services or pages.
Our Privacy Pledge to You
We recognize the importance our customers place on the privacy and security of their personal information. Our goal is to protect your personal information in every way that we interact with you, whether it's on the telephone, in our lobby, at one of our ATMs, or on the Internet.
Below are several definitions of terms used within this policy:
Customer Information - Customer Information refers to personally identifiable information about a consumer, customer or former customer of this Institution.
Internet Protocol (IP) Address - an IP address is a unique address that devices use in order to identify and communicate with each other on a computer network. An IP address can be thought of as a street address or a phone number for a computer or other network device on the Internet. Just as each street address and phone number uniquely identifies a building or telephone, an IP address can uniquely identify a specific computer or other network device on a network. We may use IP addresses to monitor login activity and for identification purposes when necessary for security investigations.
Cookie - a Cookie is a very small text file sent by a web server and stored on your hard drive, your computer’s memory, or in your browser so that it can be read back later. Cookies are a basic way for a server to identify the computer you happen to be using at the time. Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function in secure Internet banking.
"Session" Cookies are used to monitor session activity within our Internet banking product. These Cookies are encrypted and only our Service Provider can read the information in these Cookies. The session Cookie facilitates the processing of multiple transactions during a session without requiring you to reenter your passcode for each individual transaction. Session Cookies used within our Internet banking product do not pass to your computer’s hard drive. Instead, the Cookie is stored in your computer’s memory, identifying only your computer while you are logged on. When you log off, or close your browser, the Cookie is destroyed. A new Cookie is used for each session; that way, no one can use the prior Cookie to access your account. For additional security, the Cookie expires after 10 minutes of inactivity. It must then be renewed by reentering your passcode. We do not use this Cookie to collect or obtain personal information about you.
An encrypted non-expiring Cookie is also used within our Internet banking product for the identification of this Institution.
Service Provider - In order to provide a full range of online financial services, we may use various third-party providers. These third parties provide services such as: website hosting, Internet banking, and bill payment Third party providers are referred to within this policy as “Service Providers”.
Information Collected on the Internet
If you are just browsing through our website, we do not request any personally identifiable Customer Information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information, such as when you send us an email or complete an application online. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.
As part of providing online financial products or services, we may obtain information about our customers and website visitors from the following sources:
Service Providers hosting our website and Internet banking service may collect general information on our website visitors for security and statistical purposes. Such information may include:
When you click on advertisements in our website or advertisements on linked 3rd party web sites, you may receive another Cookie; however, you do not have to accept any Cookies from third party advertisements.
Use of Information Collected
When you enroll for our online services, we will send you a welcome email. We may also send emails marketing various products and services offered by The Twin Valley Bank. We will always provide you an opportunity to opt-in or opt-out of marketing related emails.
We will also send security related email notices when you sign-up for email (“notify me”) alerts on your account(s) or whenever you change your passcode, security question, or email address.
Beware of Phishing Attempts and Internet Scams
While email is convenient and has a good business use, it can also be misused by criminals for scams and various other fraudulent purposes. “Phishing emails” are frequently used by criminals to entice the recipient to visit a fraudulent website where they try to convince the recipient to provide personal information, such as ATM card numbers, account numbers, Social Security numbers, access Ids and passcodes. Some of these fraudulent websites may also be virus laden and can be used to download malware to your computer. Fraudulent websites often look identical to a legitimate site, so it’s important to look very closely at the website address.
Below we have listed a few tips to help protect your personal information on the Internet:
External 3rd Party Links
Our website may include links to other 3rd party web sites. These links to external 3rd parties are offered as a courtesy and a convenience to our customers. When you visit these sites, you will leave our website and will be redirected to another site.
This Institution does not control linked 3rd party web sites. We are not an agent for these third parties, nor do we endorse or guarantee their products. We make no representation or warranty regarding the accuracy of the information contained in linked sites. We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely.
The Twin Valley Bank and our Service Providers have developed strict policies and procedures to safeguard your Customer Information. Our policies require confidential treatment of your personal information. We restrict employee access to your personal information on a "need to know" basis and we take appropriate disciplinary measures to enforce employee privacy and confidentiality responsibilities. We have established training programs to educate our employees about the importance of customer privacy and to help ensure compliance with our policy requirements.
Furthermore, The Twin Valley Bank and our Service Providers maintain strong physical, electronic and procedural controls to protect against unauthorized access to customer information. Our computer systems are protected in the following ways:
We continually monitor technological advances and upgrade our systems to ensure your information remains secure.
Privacy of Children
COPPA, the Children's Online Privacy Protection Act, protects children under the age of 13 from the collection of personal information on the Internet. The Twin Valley Bank respects the privacy of children. We do not knowingly collect names, emails addresses, or any other personally identifiable information from children. We do not knowingly market to children, nor do we allow children under the age of 13 to open online accounts.
The Twin Valley Bank promotes financial education. Our website may offer some 3rd party sites that provide tools to assist us in teaching financial responsibility to children. There may be other 3rd party sites that would be of interest to children as well. We encourage children and their parents to use and enjoy our website often.
We urge children to always get permission from their parents before entering any information on any website. We ask that parents discuss with their children the risks involved when personal information is given out and caution them to always inform their parents if someone is asking for personal information from them.
The Twin Valley Bank is not responsible for the privacy and security practices of 3rd party sites. Parents should review the privacy policies of 3rd party sites closely before allowing children to provide any personally identifiable information. Parents can also be proactive by installing filtering software that provides more control over the family's Internet experience.