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Terms of Use

By using the ARCUS Financial Bank web site you agree to abide by the following Terms of Use.

Use of Material

The contents of the Web Site are protected by copyright. Unauthorized use may violate copyright, trademark, and other laws. ARCUS Financial Bank authorizes you to view and download material on the Web Site solely for your own use. You must keep all copyright and other proprietary notices on any copies you make. You may not sell or modify the material or otherwise use it for any public or commercial purpose.
Any advertisement, links with other web sites, co-hosts or references to third parties are not endorsements of such third parties’ products or services.

Linking to Other Sites

From time to time we will provide links to other web sites, not owned or controlled by ARCUS Financial Bank. We do this because we think this information might be of interest or use to you or where, as an account holder, we can provide you with value added services. While we do our best to ensure your privacy, we cannot be responsible for the privacy practices of other sites. A link to another web site does not constitute or imply endorsement by ARCUS Financial Bank. Additionally, we cannot guarantee the quality or accuracy of information presented on non-ARCUS Financial Bank web sites. We encourage you to review the privacy practices of any web site you visit.

Appropriateness of Content

This website is not intended to attract children under the age of 13. We do not collect Personal Information from any person we know is under the age of 13. Some of the content on this web site may not be appropriate for children. Parent or guardians are solely responsible for providing supervision of minors’ use of the ARCUS Financial Bank web site.

Your Submissions

Generally, communications which you post to the Web Site are not confidential. If particular Web pages permit the submission of communications which will be treated by ARCUS Financial Bank as confidential, that fact will be stated on those pages. You are responsible for your own communications and the consequences of such posting.

You may not:

Communicate material that is copyrighted, without permission of the copyright owner;
Communicate material that reveals trade secrets, unless you have permission of the owner;
Communicate material that infringes on any other intellectual property rights of others or on the privacy or publicity rights of others;
Communicate material that is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to any person or entity;
Communicate a sexually-explicit image;
Communicate chain letters or pyramid schemes;
Impersonate another person; or
Violate the Children’s On Line Privacy Protection Act

ARCUS Financial Bank does not represent or guarantee the truthfulness, accuracy, or reliability of any communications posted by other users or endorse any opinions expressed by other users. Any reliance on material posted by others is at your own risk.

ARCUS Financial Bank's Liability

The Web Site may contain inaccuracies or typographical errors. ARCUS Financial Bank makes no representations about the accuracy, reliability, completeness, or timeliness of the material. The use of the Web Site and the material is at your own risk. Changes are periodically made to the Web Site and may be made at any time.

ARCUS FINANCIAL BANK DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL GOODS. THE WEB SITE AND MATERIAL ARE PROVIDED ON AN “AS IS” BASIS WITHOUT ANY WARRANTIES OF ANY KIND.

In no event shall ARCUS Financial Bank be liable for any damages whatsoever (including, without limitation, special, indirect, incidental and consequential damages, lost profits, or damages resulting from lost data or business interruption) resulting from the use or inability to use the Web Site or any delays, errors, malfunctions, compatibility problems or breakdowns with respect to the Web Site and the Material, whether based on warranty, contract, tort or any other legal theory and whether or not ARCUS Financial Bank is advised of the possibility of such damages.

Investment Options

NOTE: INVESTMENTS MADE IN MUTUAL FUNDS OFFERED IN CONJUNCTION WITH ARCUS FINANCIAL BANK HSAs ARE NOT INSURED, ISSUED, OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION; ARE NOT DEPOSITS IN OR OTHER OBLIGATIONS OF ARCUS FINANCIAL BANK AND ARE NOT GUARANTEED BY ARCUS FINANCIAL BANK; BUT ARE SUBJECT TO INVESTMENT RISKS, INCLUDING FLUCTUATIONS IN VALUE AND THE POTENTIAL LOSS OF THE PRINCIPAL AMOUNT INVESTED. INDIVIDUALS INVEST AT THEIR OWN RISK. FUND RATINGS REPRESENT PAST PERFORMANCE AND ARE NOT A GUARANTEE OF FUTURE RESULTS. INVESTMENT RETURNS AND PRINCIPAL VALUE WILL FLUCTUATE AND INVESTORS’ SHARES, WHEN SOLD, MAY BE WORTH MORE OR LESS THAN THEIR ORIGINAL COST.

Limitations

The descriptions of products and services contained on the Web Site are offered as a convenience and do not contain all of the terms, conditions, limitations and exclusions that may be applicable.

Termination

ARCUS Financial Bank may terminate or limit your access or usage of the Web Site and the material at any time without notice.

Changes to this Terms of Use Statement

The foregoing “Terms of Use” Statement is effective as of December 1, 2008. ARCUS Financial Bank may change this statement from time to time without notice. This statement is not intended to and does not create any contractual or other legal right in or on behalf of any.