Terms of Use

Welcome to the Valley State Bank website. The Valley State Bank website (www.valleystatebank2.com) and the associated links (collectively "Website"), information, products, and services provided by Valley State Bank in connection with this Website (collectively "Services") are governed by these Terms of Use. By accessing the Website and using the Services, you agree to be bound by these Terms of Use. The Website is intended to be viewed by individuals who are thirteen (13) years of age or older; if you are younger than thirteen years of age, then you should not access or view the Website without parental or guardian oversight. These Terms of Use should be read carefully to understand your obligations.

For clarification, the term "Services" includes all consumer and commercial financial services, lending services, accounts, business, products, and other banking services provided to you as offered through the Website, including Services offered directly through Valley State Bank ("Bank") or through third-parties. If you disagree with any Terms of Use, you should not use the Website or any of the Services provided through the Website.

Privacy

The Bank's statement on Privacy should be reviewed in connection with these Terms of Use. The Bank's Privacy policy and statement also governs your use of the Website.

Security

The Bank takes your security seriously and utilizes a minimum of 128-bit secure socket layer encryption to protect and secure all information submitted to the Bank. You should review and understand the Bank's Security policy and information in connection with your use of the Website and the Services. Any emails you send to the Bank are NOT secure and you should take extra precautions not to include sensitive personal information in your emails, including your social security number, account numbers, or any other personally identifiable information. The Bank will never contact you for your login identification ("ID") or password or other personally identifiable information by an unsolicited email or phone call. You should protect your ID and password at all times and not write them down for others to see or share them with others. You should take precautions not to include personally identifiable information, including social security numbers, account numbers, and other protected information in your correspondence with the Bank and with third-parties. Furthermore, you should remain aware of individuals who attempt to gain access to your accounts and personal information through schemes known as "phishing," "trojan horse," ransomware," and other computer hacking schemes. You should ensure that you have the latest security protection software on your computer and devices with necessary patches and anti-virus updates installed.

Intellectual Property

All logos, tradenames, trademarks, terms, information, pages, screens, text, images, design, software, graphics, source code, content, sources, third-party information, and other information on the Website ("Materials") are the property of the Bank and are protected under U.S. copyright laws (unless otherwise indicated). You agree not to copy, download, display, distribute, transfer, share, link, reproduce, or republish any of the Materials for any commercial or public purpose without the Bank's written consent and authorization of use. For any third-party links or information used on the Website, you are responsible for reading, agreeing to, and being bound by any additional terms of use or agreements imposed by the third-party.

Disclaimer

The Services provided by the Bank are offered "as-is" and on a "where-available" basis without any representation or warranty of any kind, whether express or implied or for a particular purpose, including that your use of the Website or Services will be interruption or error free. There is no representation or warranty whatsoever regarding the operation and functionality of the Website or regarding the information, Materials, or Services included or referenced as part of the Website. The Bank, to the extent allowed by applicable law, disclaims any and all liability and warranties (express or implied), including implied warranties of merchantability and fitness of a particular purpose or with respect to the Website, the Services, and any claims arising out of your use of the Website or Services. You agree that by using the Website, the you are liable for your own conduct, actions, and use and that the Bank has no liability for any damages or claims brought, including any direct, indirect, incidental, punitive, or consequential damages. The Bank shall have no liability for any errors or delays in responding to your correspondence, emails, or any request, including any qualifications, caused by inaccurate, incomplete, or incorrect information provided or for any technical issues beyond the Bank's control.

Governing Law

The Bank Website and the Services and all content, Materials, and other information used, published, or provided is done so in the United States of America and the territories thereof. These Terms of Use are subject to and governed in accordance with the laws of the state of Kansas and the applicable statutes of the state of Kansas. You agree that by using the Website and/or the Services you agree to be bound by these Terms of Use, including your consent to the exclusive jurisdiction and venue in the state courts of Kansas, Sedgwick County, U.S. District Court for the District of Kansas for all disputes arising out of your use of the Website or the Services.

Indemnification

You agree to indemnify, defend and hold harmless the Bank, and its affiliated entities and all of their officers, directors, employees, representatives, and agents from any and all liability with respect to any claims from any third-parties arising from your use of the Website or the Services or for any violation of these Terms of Use or applicable law.

General

The Bank reserves the right to modify, change, or amend these Terms of Use at any time, with or without prior notice, by posting on the Website. You may discontinue your use of the Website or the Services, if you find the Terms of Use unacceptable at any time. The effective use of the Website will be determined by your browser settings to use the links, software, and other features of the Website, including plug-ins, modules, JavaScript, Adobe readers, and other system configurations and versions. Your use of the Services may be further controlled and governed by other agreements with the Bank for the particular Services, in addition to these Terms of Use. The Website provides users with the opportunity to transmit messages, emails, suggestions, comments, questions, and other information; however, users may not email, submit, transmit, or post any information, content, or other media that is considered obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable, including but not limited to political campaigning, commercial solicitation, chain letters, mass mailings, and/or any form of "spam" through the Bank Website, which shall be determined in Bank's sole discretion. Furthermore, you are prohibited from introducing any content to the Website that may contain software viruses and agree not to use or provide any false email addresses, impersonate any person or entity, or otherwise mislead the Bank as to the origin of email or other content. The Bank reserves the right to remove or delete any user content that is considered undesirable, in the Bank's sole discretion, at any time.

If any part of these Terms of Use are determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Use along with the revised replacement terms shall have full force and effect. A printed form of the latest version of these Terms of Use shall be admissible in judicial or administrative proceedings based upon or relating to the Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. All rights not expressly granted herein are reserved. Your access to the Website does not create an agency, partnership, fiduciary, or employee-employer relationship of any kind whatsoever, nor do these Terms of Use extend any rights to any third party. No delay, waiver, forbearance, or omission by the Bank to exercise any power or rights arising out of these Terms of Use shall affect or impair the Bank's rights nor constitute a waiver of any right the Bank may have hereunder or under applicable law, statute, or regulation.

Licensing

The Bank grants you a general limited license to access the Website and to use the Materials on the Website for personal use only. You agree not to download, sell, modify, duplicate, reproduce, decompile, or transfer any of the Materials, including any third-party links, software, content, images, copyrighted information, logos (frame logos), or other information without the Bank's written consent and permission. Any reference to or links to third-party sites on the Website does not necessarily entail that the Bank fully endorses any such third-party and the user remains responsible to conduct its own due diligence on the third-party and you agree that the Bank will not be responsible for or liable to you (or any third-parties) in any way for your use of any third-party services.