Welcome to the website (the “Website”) of Libertyville Savings Bank (www.lsbia.bank).  This Website is best viewed using a contemporary browser. 

            Use of this Website, and information distributed in conjunction with this Website, is offered to you on your acceptance of these Terms of Use, Libertyville Savings Bank’s Privacy Policy and other notices posted on this Website.  Your use of this Website or any of the contents presented in any and all areas of the Website indicates your acknowledgement and agreement to these Terms of Use, our Privacy Policy and other notices posted on this Website. 

            BY USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE.  IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, PLEASE EXIT THE WEBSITE.  THESE TERMS ARE DEEMED EFFECTIVE BY YOUR CONTINUED USE OF THIS WEBSITE. 

 

1. Limitation of Liability.

            In no event shall Libertyville Savings Bank, our Officers, Directors, Employees, Agents, Contractors, Suppliers, or Licensees be liable for any direct, special, indirect, incidental or consequential damages, punitive damages, or any damages of any kind, including but not limited to for loss of use, lost data or lost profits arising out of or relating to the use of this Website or the copying, display or use of or reliance upon information accessed through this Website, whether or not Libertyville Savings Bank was advised or aware of the possibility of such damages.  This disclaimer of liability is effective without regard to the form of any action, including but not limited to contract, negligence, tort, strict liability or any other theory. 

 

2. Indemnification

            You agree to defend, indemnify, and hold harmless Libertyville Savings Bank, our Officers, Directors, Shareholders, Employees, and Agents from and against any and all claims, liabilities, damages, losses or expenses, including reasonable attorneys’ fees and costs, arising out of or in any way connected with your access to or use of the Website. 

 

3. No Warranty.

          The Website and all materials, documents or forms provided on or through your use of this Website are provided on an “AS IS” and “AS AVAILABLE” basis.  Libertyville Savings Bank expressly disclaims all warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.  Libertyville Savings Bank makes no warranty, representation or guaranty as to the content, accuracy, timeliness or completeness of the information provided herein.

Obtaining any materials or information through the use of this Website is done at your own risk.  Libertyville Savings Bank shall have no responsibility for any damage to your computer system or loss of data that results from the download of any content, materials, information or software. 

Libertyville Savings Bank has no obligation to detect the presence of any malicious programming. When you download any software or other materials or make use of any other information on this site, you do so at your own risk and are advised to take adequate precautions, including use of anti-virus software (and file backup procedures) to minimize any loss to your system caused by malicious programming. Libertyville Savings Bank assumes no responsibility and shall not be liable for any damage to your system, computer equipment, data, or other property resulting from your access to or use of this site, your downloading of any information from the site, or from any malicious programming contained in this site.

 

4. Copyright; Trademarks.

            All images and text, and all page headers, custom graphics and button icons are service marks, trademarks and/or trade dress of Libertyville Savings Bank.  All other trademarks, product names or logos cited herein are the property of their respective owners.  Libertyville Savings Bank prohibits copying any and all material on this Website without Libertyville Savings Bank’s prior written consent. 

 

5. Unauthorized Use.

          Any unauthorized use of this Website or the computer systems of Libertyville Savings Bank, including but not limited to unauthorized entry into our computer systems, misuse of passwords, or misuse of any information posted on this Website, is strictly prohibited.  Any attempted unlawful use may subject you to liability for damages or criminal prosecution. 

 

6. Links to Third Party Sites or Products.

            This Website may contain links to websites controlled by parties (“Third Party Site”) other than Libertyville Savings Bank.  Libertyville Savings Bank is not responsible for and do not endorse or accept responsibility for the availability, contents, products, services or use of any Third Party Site, any websites accessed from a Third Party Site, or any changes or updates to such Third Party Sites.  Libertyville Savings Bank makes no warranties or guarantees concerning the content or quality of the products or services provided by Third Party Sites.  Libertyville Savings Bank is providing these links to you only as a convenience, and the including of any like does not imply endorsement by Libertyville Savings Bank of the Third Party Site.  You acknowledge that you bear all risks associated with access to and use of content provided on a Third Party Site and agree Libertyville Savings Bank is not responsible for any loss or damages of any sort you may incur from dealing with a third party. 

 

7. Information Collected.

          Through the combination of both internal and third party tracking code, as well as cookies, we track the following categories of information when a visitor enters the site:

1. IP address
2. Domain servers
3. Type of computer used to access the site
4. Types of web browsers, collectively “anonymous data”.

Such data does not collect information that identifies you as an individual. We may use Third Party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags, also known as single pixel GIFs or web beacons to measure advertising effectiveness. Any information that these Third Parties collect via cookies and action tags is completely anonymous.

 

8. No Personal Advice.

          This website contains general information about financial topics, and in some places, we provide tools or calculators to help you see how different products may affect your finances. Since we cannot know all of your personal circumstances in an online session, nothing on this website is intended to provide personal financial, tax or legal advice. Use of these tools or calculators does not constitute a commitment to make a loan or to provide you financial services. We do not create a fiduciary relationship with you through your use of this site. You must consult with your own financial, tax, insurance, and legal advisers.

 

9. Emails from Libertyville Savings Bank Requesting Personal Information.

“Phishing” is a form of online identify theft that tries to steal personal identity data and financial account credentials. Scam artists phish for victims by sending out email messages pretending to be from banks, stores, or government agencies. These emails lead individuals to counterfeit websites designed to trick them into divulging sensitive data. Phishing attempts request information from individuals such as bank account numbers, credit card information, passwords and PIN numbers, social security numbers, dates of birth, and other personal information.

Libertyville Savings Bank never requests personal information like credit card numbers, social security numbers, PIN numbers or passwords, via email. Anyone who receives an email message that purports to be from Libertyville Savings Bank and asks for confidential or sensitive information should consider it to be fraudulent and should not follow the instructions in the email. If you receive an unsolicited email that purports to come from Libertyville Savings Bank and requests your personal information, please notify us immediately.

You may also file a formal complaint concerning fraudulent email with the Federal Bureau of Investigation, through the Internet Crime Complaint Center “IC3”. That website is found at www.ic3.gov. The IC3 accepts online internet crime complaints from either the actual victim or from a third party to the complainant.

 

10. Social Media Policies.

          Libertyville Savings Bank uses social media to enhance communication between the bank, its customers, and the general public. Our social media sites are for informational purposes only. Please visit our Facebook Page, or our official website at www.lsbia.bank.

Visitors are responsible for what they post on this site. Any views or opinions expressed by content posted by a visitor does not reflect the views of Libertyville Savings Bank. We do try to respond promptly to questions sent to us. We cannot guarantee that we will respond to any or all questions submitted to us through our social media sites. You may call us directly if you have specific questions or comments for which you desire a response.

We reserve the right to remove any comments or content in our discretion that we do not view as constructive or suitable for users. We also reserve the right to suspend access privileges of anyone who violates these rules.

 

11. Governing Law; Venue.

         By using this Website, you expressly agree that your rights and obligations shall be governed by and interpreted in accordance with the laws of the State of Iowa, excluding its choice of law rules.  Any legal action or proceeding relating to your access to or use of the Website or materials shall be instituted in a state or federal court in the State of Iowa.  You agree exclusively and irrevocably to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action or proceeding. 

 

12. Updates

            Libertyville Savings Bank shall have the right, at its sole discretion, to modify, add or remove any terms or conditions of these Terms of Use without notice or liability to you.  Any changes to these Terms of Use shall be effective immediately following the posting of such changes on this Website.  You agree to review these Terms of Use from time to time and agree that any subsequent use by you of this Website following changes to these Terms of Use shall constitute your acceptance of all such changes.