This web site ("Site") and the products and services of Old Second National Bank (OSNB) available via this Site (collectively with the Site, the "OSNB Products") is provided subject to the terms set forth herein. By using any aspect of the Site, you agree to be bound by these Terms of Service.
OSNB ("we," "us" and "our") owns and operates this site. All information, text, graphics, software, and other content that make up this site ("Materials") are the property of OSNB or its licensors.
OSNB may make changes at any time to the OSNB Products or these Terms of Service. Any modifications to these Terms of Service will be effective upon posting. You should periodically re-check these Terms of Service to apprise yourself of any modification, revision or update. Your continued use of the OSNB Products following posting of any revised Terms of Service will constitute acceptance of the modified Terms of Service.
Use of the OSNB Products
You may use the Site as a resource for information about OSNB and the OSNB Products. You may download, view, copy and print information, documents and other materials on or from the Site: (a) solely for personal, informational, and non-commercial purposes; and (b) provided that neither the materials, nor any proprietary notices therein, are modified or altered. You are solely responsible for any actions you take in connection with your use of the OSNB Products and for all data, information or other material ("Data") you share via the Site.
You may not reproduce, transmit, disseminate, sell, broadcast, circulate, republish, duplicate, modify, upload, post, re-deliver using "framing" technology, or otherwise distribute or commercially exploit in any way the Site or any portion of the content of the Site, without the prior written consent of OSNB. You may not link to this Site without the permission of OSNB. You agree not to store, upload or transmit on, to or via the Site any Data which: (a) infringes or otherwise violates any copyright, patent, trademark, trade secret or other proprietary right; (b) is defamatory, libelous, or unlawfully threatening; (c) is known by you to be false; or (d) otherwise violates any applicable treaty, law or regulation. You agree you will not upload or transmit on, to or via the Site any Data containing a virus, worm, Trojan Horse or any other contaminating or destructive feature. You agree you will not interfere, in any way, with others' use of or access to the OSNB Products and will not attempt to gain unauthorized access to the account, computer system or Data of any other OSNB Products user.
In addition to the foregoing, you are prohibited from: (a) doing any act which you have reason to know may disrupt the functionality of the Site; (b) translating, decompiling, reverse engineering or otherwise attempting to gain access to the source code of any software contained on the Site (the "Software"); or (c) using the Site in any manner which would violate any local, state, national or international law. Without limiting the foregoing, some of the Software may be subject to export controls imposed by the U.S. and may not be downloaded or otherwise exported or re-exported: (a) into (or to a national or resident of) any country to which the U.S. has placed an embargo, (b) to everyone on the U.S. Treasury Department's Specially Designated Nationals list; or (c) the U.S. Commerce Department's Table of Denial Orders. If you use the Software, you represent and warrant that you are not located in, or under the control of, or a national of any such country or on any such list.
All components of the OSNB Products are available to all persons. However, you may not be eligible for all the OSNB Products and OSNB reserves the right to determine your eligibility for any OSNB Product.
Nothing in these Terms of Service shall be deemed to grant to you or any other user any license or right in or to any patent, copyright, trademark, trade secret or other proprietary right of OSNB. All content on this Site, including design, text, graphics, logos, button icons, images, software and video or audio clips; any improvements or modifications to such content; and any derivative works based on the foregoing are proprietary to OSNB or its licensors and are protected by copyright and other intellectual property laws. The collection, arrangement and assembly of the content on the Site are the exclusive property of OSNB and are likewise protected by copyright and other intellectual property laws.
The terms of OSNB's Privacy Disclosure, as contained on the Old Second National Bank web site, are hereby incorporated as part of these Terms of Service.
Security and Confidentiality
OSNB requires its customers to enter an O2 Online Banking User ID and Personal Identification Number ("PIN") to access the O2 Online Banking pages in addition to using a secure Internet browser.
- Do not give anyone your account information, User ID or PIN.
- Never leave your account information out in an open area accessible by others including on your PC screen.
- Do not utilize shortcuts that retain your User ID or PIN in your PC.
- Never send privileged account information (for example, account number or PIN) in any public or general e-mail system.
- Never leave your PC unattended while you are logged onto the Site. Wireless Internet devices, such as PHD's and cellular phones with Internet access, may be susceptible to signal interception by unauthorized users. It is recommended that you do not use wireless products to access any part of O2 Online Banking with the exception of your use of your wireless phone when it is enabled to conduct O2 Mobile Banking.
- Under NO circumstances will OSNB or its employees request your PIN via the Internet. DO NOT respond to such a request even if the individual claims to represent OSNB.
Again, e-mail transmissions generally are not secure. OSNB directs that you do not send OSNB or ask for sensitive information such as account numbers, passwords, financial information, etc. via any e-mail system. Please contact OSNB by telephone or in person for these matters.
Third Party Advertisements and Links
OSNB Site users acknowledge that OSNB provides links to third party sites. OSNB is not responsible for the contents of such links or sites, any products, services, privacy policies or other materials relating to or accessed via such links or sites. The display of any link does not imply endorsement by OSNB of the linked site or any content found thereon. IN NO EVENT WILL OSNB BE LIABLE, DIRECTLY OR INDIRECTLY, TO ANYONE FOR ANY DAMAGE OR LOSS ARISING FROM OR RELATING TO ANY USE, CONTINUED USE OR RELIANCE ON ANY LINKED THIRD PARTY SITE OR ANY LINK CONTAINED IN A LINKED SITE.
Children's Online Privacy Protection Act
This Site does not intend to market any OSNB products or services to children. OSNB does not knowingly gather or solicit data from children through this Site, and by using this Site you represent that you are at least 18 years of age.
Modification or Discontinuance of the OSNB Products by OSNB
At any time, without notice to you, and for any or no reason, OSNB may modify or discontinue all or any part of the OSNB Products. OSNB shall in no way be held liable for any consequence which results from OSNB's decision to modify or discontinue providing all or any part of the OSNB Products.
Potential Disruption of Service
Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:
- hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;
- software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
- overload of system capacities;
- damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;
- interruption (whether partial or total) of power supplies or other utility of service;
- strike or other stoppage (whether partial or total) of labor;
- governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or
- any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of OSNB.
Disclaimer of Warranties
WE USE REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION. NOTWITHSTANDING THE FOREGOING, THE INFORMATION, SERVICES, PRODUCTS AND MATERIALS CONTAINED IN OR DESCRIBED ON THIS SITE (INCLUDING, BUT NOT LIMITED TO, TEXT, GRAPHICS, VIDEO AND AUDIO CLIPS AND LINKS) ARE PROVIDED BY OSNB "AS IS." OSNB MAKES NO, AND DISCLAIMS ALL, REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESSED OR IMPLIED AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, SERVICES OR PRODUCTS REFERENCED ON OR LINKED FROM THIS SITE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE OR WARRANTIES THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. OSNB RECOMMENDS THAT YOU ROUTINELY SCAN YOUR COMPUTER EQUIPMENT FOR VIRUSES. IN ADDITION, ALTHOUGH OSNB BELIEVES ALL INFORMATION ACCESSIBLE ON OR VIA THE SITE TO BE ACCURATE AS OF THE TIME OF ITS PUBLICATION, OSNB CANNOT AND DOES NOT REPRESENT, GUARANTEE OR WARRANT THAT THE INFORMATION ACCESSIBLE ON OR VIA THE SITE IS ACCURATE, COMPLETE, OR CURRENT, AND OSNB IS NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS THEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES AS SET FORTH BELOW, SO THE EXCLUSION AND LIMITATION SET FORTH HEREIN MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.
Disclaimer Related to Third Parties
BY USING THE OSNB PRODUCTS, YOU MAY BE PERMITTED TO ACCESS PRODUCTS AND SERVICES WHICH ARE PROVIDED BY THIRD PARTIES. YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL OSNB, ITS AFFILIATES, OR ANY THIRD PARTY PROVIDER CONTACTED VIA THE SITE BE RESPONSIBLE FOR (A) ANY INFORMATION CONTAINED ON OR OMITTED FROM THE SITE, (B) ANY PERSON'S RELIANCE ON ANY SUCH INFORMATION, WHETHER OR NOT THE INFORMATION IS CORRECT, CURRENT OR COMPLETE, (C) THE CONSEQUENCES OF ANY ACTION YOU OR ANY OTHER PERSON TAKES OR FAILS TO TAKE, WHETHER OR NOT BASED ON INFORMATION PROVIDED BY OR AS A RESULT OF THE USE OF THE SITE. OSNB AND ITS AFFILIATES ALSO HAVE NO RESPONSIBILITY FOR (X) ANY PERSON'S SATISFACTION WITH ANY THIRD PARTY PROVIDER, WHETHER RELATING TO THE THIRD PARTY PROVIDER'S COMPETENCE, DILIGENCE, OR OTHERWISE, (Y) THE RESULTS OF ANY ADVICE GIVEN BY, REPRESENTATION FROM OR PRODUCTS OF ANY THIRD PARTY PROVIDER, OR (Z) THE FAILURE OR REFUSAL OF ANY THIRD PARTY PROVIDER TO RESPOND TO OR CONSULT WITH YOU.
Limitation of Liability
IN NO EVENT SHALL OSNB BE LIABLE TO YOU OR ANY THIRD PARTY FOR DAMAGES OF ANY KIND ARISING OUT OF THE USE OF, ACCESS TO, RELIANCE ON, INABILITY TO USE OR IMPROPER USE OF THE OSNB PRODUCTS (INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR OTHER DAMAGES OR DAMAGES FOR LOSS OF PROFITS, GOODWILL OR REVENUE, BUSINESS INTERRUPTION, OR LOSS OF DATA), EVEN IF OSNB SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR IS NEGLIGENT, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE.
You agree to indemnify and hold harmless OSNB, its subsidiaries, affiliates, officers, agents, and representatives, and its and their officers and employees, from and against any and all damages, liabilities, actions, causes of action, suits, claims, demands, losses, costs and expenses (including, without limitation, reasonable attorneys' fees and disbursements and court costs) arising from or in connection with your use of the OSNB Products; your violation of these Terms of Service, or your violation of any rights of any third party.
The laws of the State of Illinois will govern these Terms of Service, without giving effect to any principals or conflicts of laws. You agree that any action arising out of the Terms of Service or your use of the OSNB Products shall be brought in state or federal court in Illinois, and you consent to the jurisdiction of such courts.
You may not assign or otherwise transfer these Terms of Service or any rights or obligations hereunder. OSNB's failure to act on any breach of any provision hereof shall not be construed as a waiver of the enforcement of any provision unless OSNB agrees to such waiver in writing.
If any part of these Terms of Service is deemed unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity or enforceability of remaining provisions. These Terms of Service set forth the entire understanding between you and OSNB with respect to the subject matter hereof and supersede any prior or contemporaneous communications, representations, or agreements, whether oral or written, between you and OSNB with respect to such subject matter.