BEFORE USING THIS WEBSITE PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.
We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site, or any pages therein.
Illegal Use
Unauthorized use of National Bank of Coxsackie website and systems including but not limited to unauthorized entry into our Internet banking system, internal network, misuse of passwords, or misuse of any information posted on our website is strictly prohibited.
Website Content
Any and all information, materials, product offerings, services, terms and conditions are subject to change without notice.
Not all products and services advertised on this website are available in all geographic areas. We reserve the right to determine your eligibility for any product or service.
This website is not directed to children, although we may
periodically advertise special accounts that may be appropriate
for children. Parents of children interested in any of our
online services should contact us at one of our office locations.
Linked 3rd Party Sites
National Bank of Coxsackie maintains this website to provide you with information about our products and services. For your convenience, we may also provide links to various third parties websites that may be of interest to you. National Bank of Coxsackie does not control linked third party sites. When you click on links to third party sites, you will leave our website and will be redirected to another site. Linking to other third party sites is at your own risk. The content on linked sites may change without notice.
WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE ACCURACY OF THE INFORMATION CONTAINED IN LINKED THIRD PARTY SITES.
We suggest that you always verify the information obtained from linked sites before acting upon this information. National Bank of Coxsackie is not an agent for linked third parties nor do we endorse or guarantee their products and services. The products and services offered by linked third parties are not products of National Bank of Coxsackie and are not insured by any governmental agency such as the FDIC or the OCC.
Also, please be aware that the security and privacy policies on linked sites may be different from our policies, so please read third party privacy and security policies closely. If you have any questions or concerns about the products and services offered on linked third party sites, please contact the third party directly.
Use of Information Submitted Through the Website
Any communication or material that you transmit to us through this website or through electronic mail may be used only by National Bank of Coxsackie for the purposes described in our privacy policy. All information submitted to our website shall be considered and shall remain the property of National Bank of Coxsackie; this information will only be used internally for the purpose intended or as allowed by law.
National Bank of Coxsackie shall be free to use, for any purpose, any idea, concept, know-how or technique contained in information submitted by a visitor to us through this website and National Bank of Coxsackie shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by direct customer relationship, or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing National Bank of Coxsackie responsibilities and obligations to customers in accordance with our privacy policy.
If you need to communicate personal or confidential information, please do not use the email feature on this website, it is not a secure email service. Instead contact us by telephone, or you may use the secure mail feature within our Internet Banking Service.
No Warranties
Any dated information on this site is "As Of" its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information, DATED OR OTHERWISE, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS.
All information, materials AND services contained in this site, including graphics, links, AND ANY other items are provided "AS IS", “AS AVAILABLE” to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property, fitness for any particular purpose, AND FREEDOM FROM COMPUTER VIRUS.
Trademark Notices
All registered and unregistered trademarks are the sole property of their respective owners. Unauthorized reproduction in whole or part is prohibited.
Copyright Notices
National Bank of Coxsackie owns copyright in the pages, screens, text, sound recordings, and images appearing at this site unless otherwise indicated.
Limitation of Liability
National Bank of Coxsackie will under no circumstances be liable to you and/or any third party for any damages including without limitation direct or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if National Bank of Coxsackie has been advised of the possibility of such damages.
FURTHERMORE, National Bank of Coxsackie will not be liable for any difficulty in use, or for the incompatibility between this website and YOUR WEB BROWSER OR OTHER site accessing program. Nor will National Bank of Coxsackie be liable for any other problems you experience due to causes beyond our control.
No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and National Bank of Coxsackie.
Governing Law
This agreement shall be governed by and construed in accordance with federal statutes and the laws of New York State.
This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.
Information We Collect About You
National Bank of Coxsackie will not collect any personal information about individuals except when specifically and knowingly provided by such individuals. Examples of such information are:
*Your contact information including name, email address, postal address and telephone number(s);
* Personal financial information such as account balances, income information, assets, credit score, credit history, and transaction history;
* Account information and log in credentials, including unique identifiers such as username and password; and/or
* Additional information as otherwise described to you at the point of collection or pursuant to your consent.
How We Use Your Information
We use and process your Information above for things that may include, but are not limited to, the following:
* To respond to your inquiries and provide you with requested information;
* To process your request for services;
* To provide you with financial services or related information;
* For marketing and advertising purposes, including sending you promotional material or special offers on our behalf or on behalf of our marketing partners and/or their respective affiliates and subsidiaries and other third parties, provided that you have not already opted-out of receiving such communications;
* To manage, improve and foster relationships with third-party service providers, including vendors, suppliers, and parents, affiliates, subsidiaries, and business partners;
* Maintain, improve, customize, or administer our services, perform business analyses, or other internal purposes to improve the quality of our business, the Website, resolve technical problems, or improve security or develop other products and services;
* To comply with our Terms and Conditions;
* To comply with any applicable laws and regulations and respond to lawful requests; and/or
* For any other purposes disclosed to you at the time we collect your Information
Statistics and Log Files
We collect aggregate information about our visitors, including what portion of our websites are visited, the number of visitors, and time spent on our websites. We keep this information for our internal use for statistical purposes, to analyze trends, and to improve our websites.
Direct Marketing
We, or third-party service providers with whom we collaborate or contract with to perform services on our behalf, may deploy cookies and may use your Information to text, email, or contact or share with you information that we believe may be useful to you, such as information about products or services provided by or through us through permissible targeted advertisements or related to our website. You affirmatively consent to receive these communications.
Links to Other Websites
Our website may contain links to other websites or services that are not owned or controlled by us, including links to Social Media Platforms such as Facebook, LinkedIn, and Instagram (“Social Media Platforms”) or may redirect you off our website to other websites for information, other services, or to receive special offers or for transactions or purchases. We are not responsible for the privacy and security practices of those websites or the information they may collect (which may include IP address). You should contact such third parties directly to determine their respective privacy policies. Links to any other party’s website or content do not constitute or imply an endorsement or recommendation by us of the linked website and/or content. We also have no control over websites that link to our website.
Social Network Cookies
National Bank of Coxsackie may offer the opportunity to "Like", "Follow" or "Share" site content via social networks. These networks almost always use cookies. If you are a member of one or more of the following social networks and do not want the social network cookies to be placed on your system, we suggest that you refrain from using such sharing tools.
Facebook: https://www.facebook.com/about/privacy
LinkedIn: https://www.linkedin.com/legal/pop/pop-privacy-policy
Instagram: https://privacycenter.instagram.com/policy
Mobile Device Privacy
The National Bank of Coxsackie mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account. It is important for you to understand that before granting access to this information, you will be prompted to give the application that permission. If you do not wish to grant that permission, you may decline. If you later change your mind, those permissions can be updated in your device’s settings.
Additional Terms
Certain services or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those services or pages.
