Terms & Conditions of Use for this Web Site
In this Terms-of-Use document, the words “we”, “us” and “our” refer to National Grand Bank. The words “you” and “your” refer to the person using this web site.
By using our web site or any of its pages, you agree to all the terms and conditions in this document, so please read them carefully. If you do not agree with these terms, your only recourse is to discontinue using our site.
This Web site has been established by the National Grand Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this Web site should be considered an advertisement. 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 on the site conflicts with that in the Bank’s agreements and disclosures, the agreements and disclosures will control.
National Grand Bank is a Federally Chartered Commercial Community Bank that primarily serves the Town of Marblehead, Massachusetts and several neighboring towns. Therefore, not all products and services described on our site are available in all geographic areas. National Grand Bank reserves the right to determine eligibility for any product or service. Further, information contained in our site does not constitute an advertisement, solicitation or offer for sale in any jurisdiction where National Grand Bank, its affiliates or subsidiaries are not licensed to do business.
Our site contains financial tools and calculators. National Grand Bank provides these tools and calculators as a service to users, for educational and informational purposes only. National Grand Bank does not guarantee the accuracy of the calculators or the results. We are not responsible for, and expressly disclaim all liability for, damages of any kind arising out of the use of the tools and calculators. National Grand Bank does not retain any information you enter into financial tools and calculators.
Sometimes we may advertise our products and services on non-affiliated third-party websites, some of which may be linked to our Site. We may use cookies or other tracking technology to evaluate the effectiveness of our advertisements on these third-party sites. Such technologies are only used to measure the responses to these advertisements on third-party sites and do not gather or contain information that can be used to identify you personally.
“Cookies” are small data files placed on your computer by some web servers when you visit certain web sites. Cookie capabilities are generally available to any web server and, when used properly, cookies are not threatening. When you visit our site, our web servers may place “cookies” on your computer. The purpose of these cookies is to help personalize your experience with our site and to collect information about how our site is being used. We do not use cookies to collect and store confidential personal information, such as your email address or other information stored on you’re computer’s hard drive. You may set your browser to disable or delete cookies, however, this may affect your ability to use certain site features, including some of our products and services.
We use tools such as Google Analytics to gather information on site usage. These tools gather non-personally identifiable information, such as the pages visited, the time and date you used the site, the navigation path you used to find information and the name of your Internet Service Provider. In addition, we will collect technical information about your computer such as its screen resolution, operating system and browser. We also gather information and do analyses to try to understand how our web site is found by a variety of search tools and criteria. This information gives us insight into how our site is being used and also allows us to make sure the site runs well with the equipment being used by the majority of our customers. We may contract with third parties to assist us with gathering this aggregate, non-personally identifiable information. These companies are prohibited from using the information they collect for their own purposes or from sharing this information with others.
Our site may contain links to other websites operated by non-affiliated third parties. We provide links to other sites as a convenience. The linked sites are not under our control and we are not responsible for the products and services, privacy policy, security or content available on the third-party sites. We explicitly disclaim all liability for damages of any kind arising out of the use of such linked sites.
Unencrypted electronic mail (email) is generally regarded as insecure. Therefore, we strongly suggest that you do not send us sensitive information such as account numbers, passwords and payment information via any public email system unless it is encrypted. You will find a link to our secure email portal on our web site that will permit you to send strongly encrypted email to us. Please be aware that Federal and State laws prohibit us from sending sensitive (“non-public personal”) information to you over any insecure medium. This is why, from time to time, you may receive a notice from us that you have encrypted email from us. You can read these encrypted messages and any attachments on our secure email portal. We generally try to acknowledge emails within one (1) business day, however, we will not take actions based on your email request until we actually receive your email message and have a reasonable time period to act. We will never ask you for any private information (such as account numbers, passwords, PINs, social security numbers, etc.) for any of our products through an unsolicited email. If you receive any such request, do not respond to it. Please notify us immediately at 1(781) 631-6000. For time-sensitive information, please visit the bank in person or contact us at (781) 631-6000.
You agree not to use the site or any information contained in the site for any purpose that is unlawful or prohibited by these Terms of Use, and not to access the site or use materials or services available on the site from territories where such access or use is illegal.
Information and materials on our site are our property unless otherwise indicated, and are protected by copyright and trademark laws. You may copy information from our site for your personal use only, provided that each copy includes any copyright or trademark as they appear on the pages copied. The information and materials may not be copied, displayed, distributed, downloaded, transmitted, or otherwise used for public or commercial purposes without the written permission of National Grand Bank.
This site is provided by National Grand Bank on an “As Is” basis. National Grand Bank makes no representations or warranties of any kind, express or implied, regarding the operation of this site or of the information, content, material or services included on this site. To the full extent permissible by applicable law, National Grand Bank disclaims all warranties, express or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. By using this site, you agree National Grand Bank will not be liable for any damages of any kind arising from the use of this site, including but not limited to direct, indirect, incidental, punitive and consequential damages. In no event shall we, our employees, officers or directors, be liable for any damages whatsoever including, without limitation, actual, direct, special, incidental, consequential, punitive or indirect damages, however caused, whether arising from breach of contract, negligence or otherwise, even if we have been advised of the possibility of such damages.
We reserve the right to change the Terms of Use and modify the contents of our site without notice.
Use of our site is governed by applicable Federal laws of the United States of America and the laws of the Commonwealth of Massachusetts. The courts sitting in the Commonwealth of Massachusetts shall have exclusive jurisdiction over all disputes arising out of or relating to the contents or use of our site.
