Website Terms of Use

This website and any 21st Century Bank website, mobile site or mobile application (“Site” or “Sites”) are owned and controlled by the 21st Century Bank (collectively described as “21st Century Bank,” “we,” or “us”). This Site provides information regarding the products and services offered by 21st Century Bank and its banking and non-banking affiliates. The Terms of Use describe the terms and conditions that govern your use of the Site, including services made a part of the Site or available through the Site and any of its web pages and/or mobile applications. “You” and “your” refer to anyone accessing or using the Site or services. The Site is intended for individuals who are at least 13 years old. If you are under 13, please do not access this Site. By accessing the Site, you agree to be bound by these Terms of Use.

21st Century Bank reserves the right to modify these Terms of Use without notice. We will incorporate any changes into the Terms of Use posted to this Site from time to time. If you do not agree with these Terms of Use, please do not access this Site. 21st Century Bank reserves the right to modify or terminate services offered by the Site or to terminate your access to the Site at any time.

Use of Website, Information and Materials

The information and materials included in this Site are provided for informational and advertising purposes only. As explicitly stated within the Site, the information does not constitute a contract with you or amend or change any contract we have with you. The information and materials on this website are owned by 21st Century Bank or others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored, downloaded, or reproduced except as permitted by law. Products and services on this Site are subject to change without notice.

Unauthorized use of this Site and related systems, including but not limited to unauthorized entry into 21st Century Bank’s systems, misuse of passwords, posting objectionable or offensive content, unauthorized use of legally protected third-party content, or misuse of any information within this Site, is strictly prohibited. You agree that you will not engage in any activities related to the Site that are contrary to applicable law, regulation, or terms of any agreement you have with 21st Century Bank.

When you visit our Site, we may collect information such as the IP address of the device you are using to connect to the internet, the browser and version being used, the type of operating system you have, which site you came from, pages and content viewed, time and duration of visits, and whether advertisements were clicked. This information helps us provide you with a more effective online experience. We or our service providers may use cookies, pixel tags, or similar technologies to capture this information.

Third Party Links

This Site may contain links to websites controlled or offered by third parties. 21st Century Bank disclaims liability for any information, materials, products, or services posted or offered at any third-party websites linked to this Site. The third-party links presented on this Site are provided for your convenience only. The inclusion of any link on this Site does not imply any recommendation, approval, or endorsement of the linked website by 21st Century Bank. Your participation in any third-party website is based solely on the agreement, if any, between you and the third-party provider.

Privacy

Your use of this Site is subject to the applicable privacy-related policies and notices of 21st Century Bank, including the 21st Century Bank Privacy Notice and the 21st Century Bank Online Privacy Policy, which you can access at https://21stcb.com/privacy-security/ To the extent permitted by applicable law, by accessing or using the Site and services, you understand and agree that 21st Century Bank may collect and retain information about you or the device you use to access the Site.

Feedback

You agree that all suggestions, comments and feedback that you submit to 21st Century Bank at or via this Site in connection with any 21st Century Bank products and services shall remain the property of 21st Century Bank, and 21st Century Bank shall be free to use, for any purpose, any idea, concepts, know-how, ideas for new or improved products or services or techniques contained in information you provide without restriction of any kind. 21st Century Bank shall not be subject to any confidentiality obligations regarding submitted information except as specifically agreed or required by law.

Limitation of Liability

To the fullest extent provided by law, in no event will 21st Century Bank, or its licensors, service providers, team members, agents, officers, or executives be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, this site, any websites linked to the site, any content on the site or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.

Indemnification

You agree to defend, indemnify, and hold harmless 21st Century Bank (and all of its direct and indirect subsidiaries) and each of their respective executives, officers, team members, agents, successors and assigns from and against all losses, liabilities, damages, claims and expenses, including attorneys’ fees, arising out of, relating to, or resulting (directly or indirectly) from your violation of these Terms of Use or misuse of the Service or the Site, including such violation or misuses conducted by your employee or agent.

Waiver and Severability

Failure of 21st Century Bank to enforce any provision of these Terms of Use is not a waiver of such provision. If any provision of these Terms of Use is deemed by a court to be unenforceable, any other provision of these Terms of Use shall remain in full force and effect, and the unenforceable provision shall be replaced by such enforceable provision as comes closest to the intention underlying the unenforceable provision.

Amendments; Modifications

21st Century Bank reserves the right to change, modify, add or remove any portion of these Terms of Use in whole or in part, at any time, by posting the amended terms on the Site. Your continued use of the Site after any changes to these Terms of Use are posted will be considered acceptance of those changes. These Terms of Use may not otherwise be amended.

Governing Law

By accessing this Site, you agree that all matters relating to your use of this Site and any information or materials available through this Site shall be governed by the statutes and laws of the State of Minnesota, without regard to any principles or conflicts of laws.

Entire Agreement

These Terms of Use govern your access to this Site. You may be subject to additional terms and conditions for online and/or mobile account access and terms that govern products and features available to you through additional Sites. In the event of a conflict with these Terms of Use, the terms and conditions governing online and/or mobile account access or products and features will be controlled.