Website Terms of Use Agreement

TERMS OF USE AGREEMENT BETWEEN USER
AND FLOWERS NATIONAL BANK

Please read this Terms of Use Agreement Between User and Flowers National Bank (the "Agreement") carefully before accessing or using this website at jcfbank.com (the "Site"). The Site provides information about Flowers National Bank ("Flowers Bank", "we" or "us") and financial products and services available through us. By accessing or using the Site, each such person ("user, "you" or "your") agrees to all the terms, conditions and notices contained in this Agreement without modification.  

GENERAL TERMS OF USE

The Site provides information about us, and about financial products and services available from or through us. We grant you access to the Site solely to obtain information about us and to obtain online access to certain of our products or services.  You may access the Site as necessary for that purpose, but you may not license, distribute, create derivative works from, frame in another Web page, use on any other website, or sell any information, databases or lists obtained from the Site.

We may make changes to the products or services shown on the Site at any time and while we attempt to keep the information on the Site accurate, complete and up-to-date, we do not guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.  We are under no obligation to make the Site available at all times and the availability of the Site may be limited or completely restricted in our sole discretion.  
Not all products and services we offer may be available in each of the locations where we do business, and products may not be available in every location on the same terms. Our products and services are offered only in jurisdictions where they may be lawfully offered.
Other than accessing such products or services in a manner consistent with the agreements governing those products or services, you shall not access or attempt to access password protected, secure or non-public areas of the Site.  You agree to comply with all privacy laws.  If we request information about you consistent with the Online Privacy Statement described below, you agree to provide true, accurate and complete user information.  

Your use of the Site is subject to the additional disclaimers and notices that may appear throughout the Site.  

ONLINE PRIVACY PRACTICES

At Flowers Bank, we are committed to the privacy and online security of each user while accessing the Site. Please read this Section regarding our Online Privacy Practices (the "Online Privacy Statement") to understand how your information will be collected, used and shared on the Site.  This Online Privacy Statement applies only to our online privacy practices and information obtained on the Site and does not apply to our products or services, or information obtained, other than through the Site. The Flowers Bank Privacy Policy which governs our financial privacy practices may be accessed here.

If you have questions concerning this Online Privacy Statement, please contact a Flowers Bank Representative at 1-877-715-5033.

What information does Flowers Bank collect from me on the Site?

We collect certain types of information from you on the Site.  When you contact Flowers Bank via the e-mail addresses of Flowers Bank provided in various locations on the Site, we may ask you for information and keep a record of any correspondence with you.  We also collect and use cookies, as more fully described below in the section entitled What are cookies and how does Flowers Bank use them?  
Please be aware that other websites to which we link that are not operated by or on behalf of Flowers Bank may collect personally identifiable information about you when you visit those websites. The information practices of other websites linked to our Site are not covered by this Online Privacy Statement. Once linked to another website, you should read that website's privacy policy before disclosing any personal information.

What are cookies and how does Flowers Bank use them?

As part of offering and providing customizable and personalized services, many websites use cookies to store and sometimes track information about you. A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer's hard drive.  
We may use cookies to monitor traffic on the Site and measure traffic patterns to improve functionality. We may use log files to track Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks. Additionally our Web pages may contain electronic images known as clear GIF’s (sometimes called pixel tag or Web beacon) or other advanced technologies that are useful in the provision of services to you. We may utilize the information obtained by using these technologies to analyze trends, administer the Site, prevent fraud, track Site navigation in the aggregate and gather broad demographic information for aggregate use.  We may also use such information to verify compliance with this Agreement or to assist with any promotions on the Site.  We may use third party services to provide or manage these technologies.

When using Flowers Bank Online or Online Access, we will use a session cookie which is stored on your computer's hard drive only while you are logged into the respective service.  Once you have logged off of the service, the session cookie will be removed. In addition, a flash object is saved to your computer upon first logging into Flowers Bank Online and Online Access on a particular computer.  If you return to the Site using a different computer that does not have the flash object saved, a challenge question will be prompted.  

With whom does Flowers Bank share my information obtained from the Site?

If you are on the Site and provide personal information, you are sharing that information with Flowers Bank and its affiliates and service providers.  However, financial information obtained by Flowers Bank is covered by Flowers Bank's Privacy Policy which is available by clicking here.  Except as provided in this Online Privacy Statement, only Flowers Bank and its affiliates and service providers will have access to information obtained through the Site.

We occasionally hire other companies to provide limited services on our behalf, including packaging, delivering or mailing, answering customer questions about products or services, sending postal mail, providing investor and customer information and processing data. We will only provide those companies the information they need to deliver the service, and they are generally prohibited from using that information for any other purpose.
We will not disclose any of your information to third parties who are not our affiliates or service providers except when we have your permission, when we believe in good faith that the law requires it or under the circumstances described below.

Data in the Aggregate: We may disclose “blinded” aggregated data and user statistics to prospective partners and other third parties, and for other lawful purposes.  Blinded data is data which does not identify an individual person or company.

Administrative: We may disclose your information for administrative and other purposes that we deem necessary to maintain, service and improve our products and services.

Other: We may disclose your information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating this Agreement, or may otherwise be causing injury to or interference with (either intentionally or unintentionally) Flowers Bank’s rights or property, other Flowers Bank’s users or customers of the Site, or anyone else that may be harmed by such activities.

Does Flowers Bank sell my information obtained from the Site?

No.  Keeping your personal information private is vitally important to us. As a matter of policy, Flowers Bank does not sell information provided by its customers on the Site.   

What security precautions should I take to protect against the loss, misuse or alteration of my information obtained from the Site?

We maintain security practices for certain sensitive information provided to us on the Site.  We will not request your credit card number, bank account number or other sensitive information unless you are in a secure portion of the Site.

Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure.  Except as otherwise designated, this Site does not use security encryption measures.  Therefore, information that you disclose by use of this Site (as with any website that is non-secure), by posting a message or using e-mail, potentially could be collected and used by others.  This may result in unsolicited messages from third parties or use of such information by third parties for their own purposes, legal or illegal. As a result, while we strive to protect your personal information, Flowers Bank cannot ensure or warrant the security of any information you transmit to us or from our services, and you do so at your own risk. Once we receive your transmission, we use commercially reasonable efforts to ensure its security on our systems.

What else should I know about my privacy?

Please keep in mind that whenever you voluntarily disclose information online, that information is accessible to other users online. Ultimately, you are solely responsible for maintaining the secrecy of any account information.  Please be careful and responsible whenever you are online.

When you or we end your customer relationship with us, we will treat the information we have about you as if you were still our customer.

OTHER AGREEMENTS GOVERNING TERMS OF USE

We may offer products or services, such as online banking, that you can access through the Site. The terms, conditions and disclosures of such products or services are in addition to this Agreement.  Should there be a conflict with this Agreement, those terms and conditions for a particular service will govern.   

NO PERSONAL ADVICE

The Site may contain general information about financial or tax topics. Nothing on the Site is intended to provide personal financial, tax, investment, legal or other similar advice.  The material on the Site should not be regarded as an offer to sell, or a solicitation of an offer to buy, any securities of Flowers Bank or its affiliates.  You must consult with your own financial, tax, insurance and legal advisors. We do not create a fiduciary relationship with you through your use of the Site.

Neither Flowers Bank nor its representatives assume responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information or other material on the Site.

PROPRIETARY RIGHTS

All materials on the Site (as well as the organization and layout of the Site) are owned and copyrighted, licensed by, or used with permission that is granted to Flowers Bank. No reproduction, distribution, or transmission of the copyrighted materials at the Site is permitted without our prior written permission.  

FLOWERS BANK and other logos, product and service names are trademarks and service marks owned by or licensed to us or our affiliates (the "Marks"). Without the prior written permission of Flowers Bank, or its appropriate affiliates, you agree not to display or use in any manner, the Marks.

All other trademarks are the property of their respective owners.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Site, you agree that you will not use the Site for any purpose that is unlawful or prohibited by this Agreement. If you violate any provision of this Agreement, your permission to access or use the Site automatically terminates.

You may not without our prior written permission use any computer code, data mining software, "robot," "bot," "spider," "scraper" or other automatic device, or program, algorithm or methodology having similar processes or functionality, or any manual process, to monitor or copy any of the Web pages, data or content found on the Site or accessed through the Site. You may not introduce viruses, spyware or other malicious code to the Site, and you represent and warrant that you use frequently updated, commercially standard virus protection software to ensure that the system you use to access the Site is virus free.

CHILDREN

The Site is not targeted to children, nor do we provide products or services intended for use or purchase by children. If any child-related services or products are available on the Site, they are intended for use or purchase by adults.  We will not knowingly collect or maintain personal information from a child under the age of thirteen.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. FLOWERS BANK EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

LIMITATION OF LIABILITY

YOU EXPRESSLY UNDERSTAND AND AGREE THAT FLOWERS BANK SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SITE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES RESULTING FROM ANY DATA OR INFORMATION OBTAINED OR MESSAGES RECEIVED FROM THE SITE OR FLOWERS BANK; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY WITH RESPECT TO THE SITE; OR (v) ANY OTHER MATTER RELATING TO THE SITE.

LINKS TO THIRD PARTY SITES

The Site may contain hyperlinks to websites operated by parties other than Flowers Bank or our affiliates. Such hyperlinks are provided for your reference only. We do not control such websites, and are not responsible for their content. Inclusion of hyperlinks on the Site to such websites does not imply any endorsement of the material on such websites or any association with their operators, and your access to and use of such websites, including information, material, products and services therein, is solely at your own risk. Furthermore, because our Online Privacy Statement is applicable only when you are on our Site, once linked to another website, you should read that website’s privacy policy before disclosing any personal information.

CHANGES TO SITE AND THIS AGREEMENT
We may make improvements or changes in the information, services, products, and other materials on the Site, or terminate the Site at any time. We may modify this Agreement, including the Online Privacy Statement, at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of the Site shall be deemed your acceptance of the modified Agreement. If any changes are made to this Agreement, the last updated date provided below will be revised.  

This Agreement was last updated April 30, 2010.

MISCELLANEOUS

The Site is intended for and directed to residents of the United States and jurisdictions in which we are permitted to offer our products and services. All advertising claims contained in the Site are valid only in the United States. This Agreement and the resolution of any dispute related to this Agreement or the Site shall be governed by and construed in accordance with the laws of Missouri, without giving effect to any principles of conflicts of law. Any failure by us to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred.  If any of these terms shall be deemed invalid, void, or for any reason unenforceable, that term shall be deemed severable and shall not affect the validity and enforceability of any remaining term.

© Copyright 2010 Flowers National Bank. All rights reserved.


©2014 Flowers National Bank. All Rights Reserved. 
Please contact a Bank Representative for further information
about all applicable account fees and terms.

Member FDIC Equal Housing