Terms of Use

Legal Terms & Conditions Of Use

Welcome to the Farmers-Merchants Bank of Illinois (“Farmers-Merchants Bank”) website, FMBANKIL.COM (the “Site”). By using the Site, you agree to be bound by the following terms and all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws (hereinafter referred to as “Legal Terms of Use”). In addition, you agree to indemnify Farmers-Merchants Bank, its affiliates and employees against any and all claims by third parties arising out of your use of the Site in violation of the Legal Terms of Use. If you do not agree to the Legal Terms of Use, you are not permitted to use this Site.

Limited License

You should assume that everything that you read or see on the Site is copyrighted or otherwise protected and owned by Farmers-Merchants Bank or some third party who licensed to Farmers-Merchants Bank the right to use such material. Unless otherwise expressly noted, nothing that you read or see on the Site may be copied or used except as provided in these Legal Terms of Use or with the prior written approval of Farmers-Merchants Bank.

We grant you permission to print individual pages from the Site, unless otherwise expressly noted, for your own personal, noncommercial use in learning about, evaluating or obtaining Farmers-Merchants Bank’s services or products. No other permission is granted to you to print, copy, reproduce, distribute, license, transfer, sell, transmit, upload, download, store, display in public, alter or modify these materials. This grant of permission is not a transfer of title, and under this permission you may not:

WE MAKE NO WARRANTIES OR REPRESENTATIONS TO YOU THAT YOUR USE OF ANY MATERIALS DISPLAYED ON THE SITE WILL NOT INFRINGE THE RIGHTS OF THIRD PARTIES.

Restrictions on Use of Materials on the Website

All material on the Site, including all files, images, text, software, and data, are the property of Farmers-Merchants Bank. These materials are licensed to you for your personal, noncommercial use. You may download, print, or view these materials on your personal computer, provided you do not delete or change any of the information, including copyright and trademark notices. You may not modify, reverse-engineer, disassemble, redistribute, republish, upload, or re-use any of the text, graphics, or other materials on the Site without Farmers-Merchants Bank’s written permission.

Third Party Websites

Farmers-Merchants Bank may provide links and pointers to Internet sites maintained by others (“Third Party Sites”). Farmers-Merchants Bank has not reviewed all of the Third Party Sites linked to the Site and is not responsible for the content of or any products or services offered in such Third Party Sites.

Submitted Information

If you submit any information to us, including any comments, remarks, suggestions, ideas, notes, drawings, graphics, concepts, or other information, you are giving that information, and all your rights in it, to Farmers-Merchants Bank free of charge, and that information will be treated as non-confidential and non-proprietary and may be used by Farmers-Merchants Bank for any purpose, without your consent or any compensation to you or anyone else. This is true whether you submit such information to us by e-mail, through a form on the Site, on a bulletin board, or in any other manner. Farmers-Merchants Bank may from time to time monitor, review and, in its sole discretion, modify or delete any postings you make on the Site however, Farmers-Merchants Bank is not obligated to do so.

Please do not submit or transmit any material that is unlawful, threatening, libelous, defamatory, obscene, pornographic, profane, or might in any other way violate any law. You are solely responsible for any material you submit to us.

Through your usage of the Site, you may submit and/or Farmers-Merchants Bank may gather certain limited information about you and your website usage. Farmers-Merchants Bank is free to use such information for any purpose it deems appropriate, including marketing purposes.

User Registration

To obtain full access to the Site, you may be required to complete a registration. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer. You accept responsibility for all activities that occur under your account or password and such use shall be deemed to be used by you. You will ensure that all use of your account fully complies with these Legal Terms of Use. Transfer of the account by you to any other person or entity is prohibited.

Tools and Calculators

The Site may contain certain tools, such as calculators. Farmers-Merchants Bank provides these tools as a service to you, for educational purposes only. Farmers-Merchants Bank does not guarantee the accuracy of the tools or the results. Farmers-Merchants Bank is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such tools and calculators.

Disclaimer and Limitation of Liability

ALL MATERIAL ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF FARMERS-MERCHANTS BANK ABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

FARMERS-MERCHANTS BANK MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, OR SUITABILITY OF ANY OF THE MATERIAL ON THIS SITE, OR ON ANY SITE OR SITES “LINKED” TO THIS SITE. FARMERS-MERCHANTS BANK MAKES NO WARRANTY THAT THE SITE WILL BE AVAILABLE, UNINTERRUPTED, ERROR FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES WILL FARMERS-MERCHANTS BANK OR ITS AFFILIATES, CONTRACTORS OR THEIR RESPECTIVE EMPLOYEES HAVE ANY LIABILITY TO YOU FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) (WHETHER IN CONTRACT, NEGLIGENCE, TORT OR OTHERWISE) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR INABILITY TO USE THE SITE, SITE CONTENT OR ANY PRODUCTS OR SERVICES, OR ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, EFFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THE SITE OR ANY WEBSITE OPERATED BY ANY THIRD PARTY. IF YOU ARE DISSATISFIED WITH US, ANY OF OUR SERVICES OR THESE TERMS AND CONDITIONS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SITE.

United States

All materials on this Site are provided solely for the purpose of promoting Farmers-Merchants Bank’s operations and products in the United States and its territories. Farmers-Merchants Bank makes no representation that the materials on the Site are appropriate or available for use in other locations. If despite these conditions, you use the Site from outside the United States, you are solely responsible for compliance with any applicable local laws. All products and services are subject to change without notice.

Trademarks, Trade Names, and Service Marks

Unless otherwise indicated, all logos, names, and marks on the Site are trademarks or service marks owned or used under license by Farmers-Merchants Bank. The use or misuse of any of these marks or other information is strictly prohibited.

Electronic Transmission of Personal Information

Inherent in the use of the Internet and Internet related technologies is some risk of unauthorized exposure of information including Personal Information you supply. Your use of the Site and your entry of information is at your own risk and Farmers-Merchants Bank cannot accept responsibility and disclaims all liability for any damage or injury that you may incur or that may result from your use of the Site or the interception of data you provide. Although we take precautions to protect the information gathered or submitted on our Site, you should never send confidential information via e-mail. Internet-based e-mail is not generally protected or secure. Information submitted through the Site however, is protected via the same encryption process used to secure account information accessed via the Site. Please see the Security Section in our Privacy Policy for more information. Farmers-Merchants Bank’s site should only be accessed directly by going to www.fmbankil.com and not through other websites or e-mail. Farmers-Merchants Bank does not contact customers via e-mail, phone or mail to request or verify security information about passwords or Personal Identification Numbers (PINs). Customers who contact Farmers-Merchants Bank in person will not be asked to share passwords and PINs, but employees may ask for information to verify identities and ensure customer privacy and protection.

Modification and Termination of This Agreement

We may modify these Terms of Use at any time without notice to you. We may terminate this agreement at any time, without notice to you, if we believe, in our sole discretion, that you have breached or may breach any term of this agreement, or we may terminate this agreement for our convenience. You may terminate this agreement at any time by destroying all materials received from our Site and ceasing to use our Site.

Governing Law

The Legal Terms of Use shall be governed by the laws of the State of Illinois without giving effect to any choice or conflict of law or rule (whether of the State of Illinois or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the State of Illinois, provided, however, that disputes concerning patent, federal trademark, or federal copyright matters shall be governed by federal law. You consent to jurisdiction in the State of Illinois. Our failure to strictly enforce any right against you shall not constitute a waiver thereof. If any provision of these Terms of Use is deemed invalid, illegal, or unenforceable such provision will be deemed amended to conform to the applicable laws and the remainder of the Terms of Use shall remain in full force and effect. This represents the full understanding of the parties with respect to this subject matter.