eStatement 1st Time User
ELECTRONIC BANKING DISCLOSURE
We Respect Your Confidentiality and Value Your Trust.
Evolving technology and new market practices have increased the amount of customer information collected and shared in todays marketplace. Consumers may be concerned about the impact that collection of this information may have on their privacy. At Passumpsic Savings Bank we are sensitive to the importance of these concerns. Our goal is to serve you as effectively, efficiently and conveniently as possible, while also protecting the confidentiality and security of the information you provide us. We do not disclose information about you to third parties unless you request or authorize it, or disclosure is otherwise permitted or required by law.
We use technology to manage and maintain customer
information in order to provide our customers with a broad range of financial
products and services as efficiently as possible.
We want you to understand
what information we collect about you and how we use it. This Notice describes
our policies and practices for the collection, use and security of nonpublic
personal information about our individual customers (consumers), including both
present and former customers.
What Information We Collect
- We may collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications for a loan or other product or service, or on other loan or account forms;
- Information about your transactions with us, with other companies related to us by common control or ownership (affiliates) or with others; and
- Information we receive from third parties such as credit bureaus and consumer reporting agencies
Nonpublic personal information is nonpublic information about you that we obtain in connection with providing a financial product or service that you obtain for personal, family or household purposes. For example, nonpublic personal information includes your social security number and information about your assets, liabilities and income, and your accounts and relationships with us, such as account balances, loans, loan charges, payment history and overdraft history.
What Information We Disclose
As further described below, we may disclose some or
all of the nonpublic personal information
we collect about you to third parties
within or outside our corporate family.
To Affiliates:
We are permitted under law to share with companies
related to us by common control or ownership (affiliates) your name, address,
telephone number, and similar identifying or contact information, as well as
information about our own experiences or transactions with you or your account,
such as your account balances and your payment history with us. We may also
share other information about you (such as credit reports and information we
receive from you in applications) with our affiliates when authorized by you.
Our affiliates include our mortgage company subsidiary, Northeast Home Loan,
and our parent company, Passumpsic Bancorp,
a mutual holding company.
To Nonaffiliated Third Parties:
In certain circumstances, we are permitted or required under law to disclose nonpublic personal information about you to third parties that are not members of our corporate family (nonaffiliated third parties). For example, we may disclose nonpublic personal information about you:
To our auditors or to regulatory authorities in
connection with a financial audit or examination
of the bank;
- To government entities or in response to a subpoena or court order;
- To credit bureaus or other consumer reporting agencies;
- To persons acting in a fiduciary or representative capacity on your behalf;
- To companies we hire to provide operational support or to assist us in assessing the quality of services we provide to you;
- To complete a transaction initiated by you or to provide a product or service specifically requested or authorized by you.
We may disclose nonpublic personal information about you and your accounts to nonaffiliated third parties who assist us in marketing our own products and services, such as printers, mail houses and advertising and marketing firms.
We may also disclose certain nonpublic personal information about you to other financial service providers with which we have joint marketing agreements. Our joint marketing partners may include firms that offer the following kinds of financial products and services: insurance, securities brokerage, credit cards, leasing, mortgage banking, tax preparation, fiduciary services, estate and financial planning, and investment management and advisory services. The types of nonpublic personal information we may disclose in these situations is limited to information about our own transactions or experiences with you (such as the fact that you maintain an account relationship with us and your account balances and payment history with us), as well as your name, address, telephone number and similar contact information.
We require nonaffiliated third parties to whom we disclose customer information to maintain the confidentiality and security of that information.
Health and Medical Information
We will not use or disclose, internally or externally,
personally identifiable health or medical information about you for any purpose
other than underwriting or administration of an insurance policy, claim or
account, or otherwise for the purpose for which the information was disclosed
to us, or as permitted or required by law.
Our Security Procedures
We maintain physical, electronic and procedural safeguards in accordance with standard banking industry practices and regulatory requirements to help prevent unauthorized access to confidential information about you.
We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, training programs and our policy on ethics, and we train them in the proper handling of customer information. Employees who violate our policies and procedures are subject to our normal disciplinary process.
Maintaining Accurate Customer Information
We make every effort to maintain complete
and accurate information about you and your accounts. If you believe any information we have on
file is not accurate, please contact us.
We do not recommend that you contact us by email if your message
includes sensitive account or other personal information, as transmissions over
the Internet may not be secure.
How to Contact Us
- If you have questions or comments on this Privacy Notice, you may:
- Call us at 1-800-370-3196
- Send us an e-mail at depositservices@passumpsicbank. com
- Write to us at:
Passumpsic Savings Bank
497 Railroad St. ,
P. O. Box 38
St. Johnsbury, VT 05819
Please direct all correspondence about this Privacy Notice to the attention of the Security Officer.
This Privacy Notice (last revised February
2011) replaces all earlier versions of the
Notice.
We reserve the right to change our privacy practices and this Notice
from time to time in the future. If we do so, you will receive a revised and
updated copy of this Notice at that time.
This privacy statement does not apply to business customers or accounts. It is not intended to create a contract or to create or expand our legal obligations.
Online Security
Internet/Online Security and Privacy Guidelines
Customers may have concerns about the security and privacy of their transactions involving the use of the Internet. Passumpsic Savings Bank is committed to protecting the security of customer information in the Internet environment.
How we use information collected over the Internet is covered by our Privacy Notice.
The security measures applied by Passumpsic Savings
Bank are covered by the
SECURITY AND PRIVACY section of our Online Banking.
Protecting Information Online
Protect Your Personal Information on-line. Whether you are a customer or just visiting us Online at passumpsicbank. com, we safeguard the information you provide to us. How we protect this information is described below.
How We Handle Email
We preserve the content of your email, your email address and our responses so that we are able to handle more efficiently any follow-up questions you may have. We may also do this to meet legal and regulatory requirements. If we think that a particular Passumpsic Savings Bank account or service might apply to your situation, we may occasionally contact you at your email address to inform you of potential benefits and availability.
Your emails to us should be sent to Passumpsic Savings Bank. Email us at depositservices@passumpsicbank. com
Email correspondence sent over the Internet may not be
secure. Therefore, you should not include confidential information (such as
your account numbers, Social Security number,
tax identification number or
account password) in any email communication to us. Our email response to you
will not include confidential account information. You may contact us by phone,
by U. S. mail or by visiting your nearest banking office to review that
information.
What We Do with Online Surveys
The information you provide in response to promotions on our Website will be used for internal marketing purposes, including developing Website information and products and services that you may find helpful. In addition, we may inform you of new products and services from Passumpsic Savings Bank based on information you provide us.
How We Secure Online Banking
When you bank online with us, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you.
We use state-of-the-art Internet technology to make online banking secure and to protect your personal information. We also require I. D. and a password to access your accounts. If you do not provide this information, we cannot establish an online banking service for you.
You can help maintain the security of your banking information by not sharing your I. D. or password with anyone, by changing your password regularly, and by remembering to log off.
Protecting Your Privacy Online
Whenever we ask for personal information on our Website, we use a Verisign secure site to transfer data. This technology encrypts or scrambles your account information so its protected from unauthorized viewers.
When Information is Collected and Not Collected
Some areas of our Website require information, such as your email address or your account number, to enable you to perform certain tasks (for example, review your accounts or correspond with us). In those cases, we collect your information, if necessary, to interact with you. If you do not interact with us and you browse our Website anonymously, then personal information such as your email address is not collected.
Protecting Our Children
We do not knowingly solicit data from children, and we
do not knowingly market to children.
We recognize that protecting childrens
identities and privacy online is important and that the responsibility to do so
rests with both the online industry and with parents.
Count on Our Commitment to Your Privacy
You can count on us to keep you informed about how we protect your privacy and limit the use of information you provide to uswhether at our banking offices, over the phone or through the Internet.
A Note About Links to Other Sites
Our Website has links to other sites. In a few cases we link to private organizations, with their permission. Before leaving the Passumpsic Savings Bank Website, a page will appear informing you that you are leaving our server. Once you link to another site, you are subject to the Privacy Notice of the new site.
Please note that since we cannot control information
on other Internet sites, we are not responsible for the content of sites linked
from passumpsicbank. com. and do not endorse
any product or service that may be
referred to on those sites.
PASSKEYBANKER
(First posted February 5, 2001)
Passumpsic Savings Bank Online Access Agreement and Disclosure
Please read the Passumpsic Savings Bank Online Access
Agreement and Disclosure (the Agreement) below. It includes disclaimers of
liability and other matters of interest to users.
By pressing the I Agree
button at the end of the Agreement, you agree to the terms and conditions of
the Agreement. If you press the I Do Not Agree or Cancel buttons, you will
be returned to the Passumpsic Savings Bank home page.
You must scroll down to read this entire document. When finished click the I Agree button if you wish to accept the Agreement and continue.
Please print or download a copy of the Agreement for
your files. You can print the Agreement
in a number of ways. Right-click over
the page to access the Print option on that menu, or use the browsers Print
icon. You can also go to the File and Print commands in the browser window.
You should also read and download a copy of Passumpsic Savings Banks Privacy Policy which you may view by clicking on the link located at the top of this page or on our home page at http://www. passumpsicbank. com.
You may request a copy of this Agreement or our Privacy Policy by calling a Bank Customer Service Representative at 1-800-370-3196 (or for local calls in the St. Johnsbury, Vermont area, 748-3196) during regular business hours.
Your use of Passumpsic Savings Banks online banking services (PasskeyBankerand Telephone Banking ) constitutes your agreement to the terms of this Agreement and acknowledgement that you have received a copy of Passumpsic Savings Banks Privacy Policy.
TABLE OF CONTENTS
1. Eligibility to Become an Online Banking Customer
2. Accessing Your Bank Accounts through PasskeyBanker
a. Accounts
b. Fee
c. Electronic Mail (E-mail)
d. New Services
e. Benefits of Using PasskeyBanker
f. Obtaining Account Balance and Transaction History
g. Joint Accounts
h. Account Statements
4. Security; Your PasskeyBanker Password
a. Release and Indemnification
b. Screen Scrapers and Information Aggregators
c. Computer Performance
8. Days and Hours of Accessibility; Cut Off Time for Transactions
9. Maintaining Sufficient Available Funds; Overdrafts
10. Limits on Certain Transfers
11. Changes to Charges, Fees or Other Terms
12. Disclosure of Account Information; Your Consent to Disclosure
13. Electronic Funds Transfer Notices
a. Questions or Errors Correction on PasskeyBanker Banking and Bill Payment Transactions
b. Unauthorized Use of Your Password
c. Limitation of Our Liability
14. Other Agreements; Governing Law
15. Your Consent to Electronic Delivery of Documents and Notices
17. Right to Terminate this Agreement
18. Severability
19. Captions
Introduction
This Online Access Agreement for accessing your accounts through Passumpsic Savings Banks internet banking service (PasskeyBanker) explains the terms and conditions governing the following online services: certain banking transactions and other banking services offered through Passumpsic Savings Bank Online Services. The accounts that may be accessed through PasskeyBanker Services and Telephone Banking include only accounts maintained with Passumpsic Savings Bank. By using PasskeyBanker and/or Telephone Banking you agree to abide by the terms and conditions of this Online Access Agreement.
The terms we, us, our, and Bank mean
Passumpsic Savings Bank. The terms you and your means the person(s) or
entity(ies) in whose name(s) the account(s) is/are titled and who has/have
enrolled for PassKey Banker and Telebanking under this Agreement. Authorized user(s) means the individual or
individuals who are named in a Corporate Resolution (or similar authorization
for a non-corporate entity) as having full authority to access your accounts,
and engage in transactions on such accounts, through PassKeyBanker and
Telebanking pursuant
to this Agreement. The term business day means every day
except Saturdays, Sundays
and federal holidays. You can use your computer or
other Internet access device to access PasskeyBanker 24 hours a day, 7 days a
week, except during any special or scheduled system maintenance periods. Telebanking will also be available 24 hours a
day, 7 days a week, except during any special or scheduled system maintenance
periods.
This Agreement contains special terms and conditions for accessing your eligible Passumpsic Savings Bank accounts online through PasskeyBanker. Your PasskeyBanker transactions will also be governed by the applicable Terms and Conditions of your account agreements, account fee schedules and other disclosures given to you at the time you opened your account(s), and as they may be amended from time to time (referred to in this Agreement as your General Terms and Conditions). If there is a conflict between this Online Access Agreement and the General Terms and Conditions, this Agreement will control.
You agree that we may provide by electronic communication any notice, account statement, data, records, communication or disclosure required to be provided orally or in writing to you. But we may require written confirmation from you of your electronic communications with us. Additional information on electronic delivery of communications from us is contained in Section 15 of this Agreement.
1. Eligibility to Become an Online Banking Customer
To access your accounts via PasskeyBanker, you must:
- have a Passumpsic Savings Bank deposit and/or loan account for which you are primary or secondary account signer (special title accounts like Estate, Trust, etc. can not be used for online enrollment) or an account in the name of your business entity.
- if a business entity, provide a Corporate Resolution (or similar authorizationfor non-corporate entities) naming authorized employees to use PassKeyBanker
- have an E-mail address
- have a taxpayer ID number or tax exempt number
- select your personal, confidential password
- have access to the internet with a secure browser that supports Secure Socket Layer (SSL) and [128]-bit encryption, such as Microsoft Internet Explorer version 6. 0 or higher or Netscape Navigator version 6. 1 or higher
- (for individuals) be at least 18 years old
In Passumpsic Savings Banks sole discretion, it may refuse to open any account(s) for new customers and it may refuse to accept any existing or new customer for PasskeyBanker services.
2. Accessing Your Passumpsic Savings Bank Accounts through PasskeyBanker
a. Accounts
To use PasskeyBanker, you must enroll for the service and have one or more eligible Bank accounts (listed below) and an online password.
Passumpsic Savings Bank Accounts Accessible through PasskeyBanker:
- Checking Accounts
- Statement Savings Accounts
- Statement Money Market Accounts
- Club Accounts
- Loans (other than credit card accounts)
b. Fees
At this time, there are no monthly or transaction fees
for accessing your account(s) through PasskeyBanker. Other fees, as described
in the applicable General Terms and Conditions,
may apply to services ordered
online.
We reserve the right to change our fee structure in the future, including charging fees for the PasskeyBanker service. You will be notified in advance of any such changes.
Please note that you are also responsible for any fees or charges that may be assessed and billed by your online service provider and/or telephone company.
c. Electronic Mail (E-mail)
Internet E-mail is not a secure way to communicate
with the Bank. Therefore, you agree that if you contact us via E-mail about
PasskeyBanker you will NOT include in your E-mail any confidential information
about you or your account (such as your account number, taxpayer ID number or
password). If it is necessary for you to communicate confidential information
to the Bank for any reason you should do so by contacting a Bank customer
service representative in person, by telephone or in writing at the telephone
number and address given in Section 13a,
or by visiting one of our banking
offices.
As described in Section 15 of this Agreement, you agree to receive communications regarding your account(s), including change-in-term notices regarding PasskeyBanker electronically.
We will not immediately receive E-mail that you send.
Therefore, you should not rely on E-mail
if you wish to communicate with us
immediately. We will not take actions based on your E-mail requests until we
actually receive your message and have a reasonable opportunity to act.
You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within the PasskeyBanker web pages or call a customer service representative at 1-800-370-3196 (or for local calls in the St. Johnsbury, Vermont area, 748-3196), during regular business hours, for assistance.
d. New Services
Passumpsic Savings Bank may, from time to time,
introduce new PasskeyBanker services.
We will update this Online Access
Agreement to notify you of the existence of these new services. By using these
services when they become available, you agree to be bound by the terms
contained in this Agreement, as it may be amended from time to time.
e. Benefits of Using PasskeyBanker
Through PasskeyBanker, you can manage your eligible accounts from your home or office on your personal computer. You can use PasskeyBanker to:
- View account balances and review transaction history.
- Transfer money between Passumpsic Savings Bank accounts.
- Transfer money to pay your Passumpsic Savings Bank loan accounts.
- Set up an Automatic Transfer to make monthly transfers from one Passumpsic Savings Bank account to another Passumpsic Savings Bank account.
- Pay your bills to merchants and other third party payees.
f. Obtaining Account Balance and Transaction History
You may obtain balance and transaction history for all eligible accounts that are enrolled in PasskeyBanker. See Section 2. a for a listing of accounts accessible through PasskeyBanker. Account balance and transaction history will reflect account activity through the close of the previous business day. Account history information for deposit accounts is generally available online for the previous statement cycle and the current statement cycle, and for loan accounts for the previous and current year, month and day.
g. Joint Accounts
If two or more people hold a joint account, there are two ways for them to enroll for PasskeyBanker services. First, each account holder may enroll separately, and each will have his or her own password and his or her own separate Online Access Agreement. For PasskeyBanker services, each joint account holder could have his or her own account history set up in the categories he or she establishes. The joint account holders will have access to and share the account history for their jointly held accounts, but they will not share access to any accounts that are separately held. Each joint account holder may perform transactions, obtain information, terminate his or her Online Access Agreement or transact business, take actions or perform transactions permitted under this Agreement. The Bank may rely on the instructions of any joint account holder who has PasskeyBanker password access to the joint account. The Bank is not required to obtain the consent of or give notice to the other joint account holder(s). A joint account holder will not be permitted to gain access to any accounts other than accounts for which he or she is a sole or joint owner.
Alternatively, one holder of a joint account may enroll for PasskeyBanker services with one password. The unenrolled account holder(s) would not be entitled to PasskeyBanker access and would not be entitled to use PasskeyBanker services. But Passumpsic Savings Bank cannot verify the identity of a user whose password has been shared with another person, and Passumpsic Savings Bank will not be responsible for unauthorized access to an account if a joint account holder or other PasskeyBanker customer shares his or her password with another person.
To gain access to mortgage or other loan account information, the primary holder of the account must enroll in PasskeyBanker. Co-signers or guarantors on the account(s) will not have PasskeyBanker access to mortgage or other loan account information.
h. Account Statements
Your PasskeyBanker transactions (including bill payments) will be reflected on your regular account statements.
3. Your Electronic Signature
The first time you access any of your accounts through PasskeyBanker you will be deemed to have signed this Agreement and will be confirming your consent to be bound by all the terms and conditions of this Agreement and will be acknowledging your receipt and understanding of this Agreement and its disclosures. Each time that you engage in a transaction (including bill payment) using PasskeyBanker, you will be deemed to have given a signed authorization to the Bank to act on your electronic instructions.
4. Security; Your PasskeyBanker Password
PasskeyBanker services are offered in a secure environment, provided you use a secure browser. See the computer system requirements described in Section 1 of this Agreement.
The first time you log in to use PasskeyBanker you will be given instructions as to what your initial password is. PasskeyBanker will require you to immediately change this initial password to continue on in the system. For added security, the password is sensitive to upper and lower case letters. For this reason, it is very important to remember your selected password.
Your online password will give you access to your accounts through PasskeyBanker and we are entitled to act on instructions received under that password. This password can be changed within PasskeyBanker. For security reasons, we recommend that you change your online password regularly, that you memorize your password and that you do not write it down or give it to anyone. You agree to keep your password and account data confidential to prevent unauthorized access to your account and to prevent unauthorized transactions on your accounts.
Commercial/Non-Personal-In order to gain access to your accounts via PasskeyBanker, a user must enter your access I. D. number and the confidential password that you select as described above. You are responsible for keeping those numbers confidential. You also agree that requiring use of your access I. D. number and confidential password to access PasskeyBanker is appropriate to your business operations and environment and constitutes a commercially reasonable security procedure.
Commercial/Non-Personal-You agree to divulge your password only to persons who are authorized users on the accounts, as reflected in your Corporate Resolution (or similar authorization for non-corporate entities). Your password can be changed within PasskeyBanker. For security reasons, we recommend that you change your online password regularly, and in all events whenever there is a change in authorized users of the accounts. We also recommend that authorized users memorize the password and that they do not write it down. You agree to keep your password and account data confidential to prevent unauthorized access to your account and to prevent unauthorized transactions on your account(s). Only authorized personnel within your company should have access to this secure password.
If you forget your password, the Forgot Password option is available at the log on screen or you may contact the Bank to have a new temporary password issued to you.
5. Payment Account
Although there are no fees at this time for accessing your accounts via PasskeyBanker, you may be asked to designate a payment account for selected services such as Bill Payment, or for payment of any PasskeyBanker fees and charges should the Bank decide to impose such fees and charges in the future. You agree to pay promptly all fees and charges for services provided under this Agreement, and authorize us to charge the account that you have designated as the payment account, or any other account, for such fees and charges.
If you close the payment account, you must notify us and identify a new payment account for the selected services. If you fail to designate a new payment account, we may charge any other account (including a loan account to the extent there are no funds available in a deposit account). Additionally, if you close all your accounts, you must notify Customer Service immediately to cancel your PasskeyBanker services.
We may cancel your PasskeyBanker services at any time without prior notice due to insufficient funds in one of your accounts. After cancellation, at our discretion, we may reinstate your PasskeyBanker services once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to request reinstatement of your services, you must call Customer Service at 802-748-3196. These cancellation rights are in addition to those contained in Section 17.
6. Your Responsibilities
Selection, use and dissemination of your password is at your own risk. You should not furnish your password to anyone who is not an authorized user on your accounts. If, despite Passumpsic Savings Banks advice, you give your password to anyone, you do so at your own risk. Anyone to whom you give your password will have full access to your accounts, even if you attempt to limit that persons authority. The Bank is not responsible for establishing the identity of any person using your password or otherwise confirming that they are an authorized user. You must notify the Bank immediately if your password is lost, stolen or compromised.
Other provisions relating to your responsibilities to notify us in certain instances are set forth in Section 13 of this Agreement.
You will be bound by all actions taken and charges incurred by any authorized user pursuant to this Agreement.
You are responsible for paying any applicable fees if there are insufficient funds in your account, or if you provide incorrect or inaccurate information. You are liable for all transactions that you make or authorize, or for all transactions that any of you make or authorize if you are using a joint account, even if the person you authorize exceeds his or her authority.
a. Release and Indemnification
You hereby release Passumpsic Savings Bank, its subsidiaries and other affiliates from any and all liability - and you agree not to make a claim or bring any action against the Bank or any of its subsidiaries and affiliates - for honoring or allowing any actions or transaction by a person or authorized user to whom you have allowed account access, whether that person is a joint account holder or any other person who has gained access to your password.
You indemnify and agree to hold harmless Passumpsic Savings Bank, its subsidiaries and other affiliates and the supplier of the software for Passumpsic Savings Banks online banking service from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys fees) arising from your violation or breach of this Agreement or of any third party rights, including copyrights, proprietary and privacy rights, or any applicable federal, state or local law, regulation or ordinance.
Your obligation under this Section will survive termination of this Agreement.
b. Screen Scrapers and Information Aggregators
You should be aware of a practice commonly known as
screen scraping or information aggregation whereby so-called information
aggregators make available to their customers
a web site on which the
customers may view information obtained from other web sites. For example, a
customer, Jane Doe, might have brokerage accounts, credit card accounts, bank
accounts, insurance accounts and loans with a number of different entities that
provide online access to Ms. Doe. For each entity with which Jane Doe has
online account access, Ms. Doe might have a separate user ID and password, and
she would have to log in separately to each entitys web site to view account
information or to perform a transaction on a particular account.
An information aggregator, or screen scraper, instead gives Ms. Doe the option to view and manage all of her online accounts held by the various banking, securities, insurance and lending entities in one place - on the aggregators web site. Often, the composite information from the various entities is reformatted to the information aggregators standards. To make this possible, the information aggregator will ask you for your user ID and password for the various online accounts you wish to view on the information aggregators web site. If you give the information aggregator this information, you do so at your own risk. Passumpsic Savings Bank cannot verify the identity of the person gaining access to your account with your user ID and password, whether that person is you, an authorized user, or another individual to whom - despite the Banks advice - you have given your password, or an information aggregator. Passumpsic Savings
Bank, its subsidiaries and other affiliates will not be liable for the consequences if you share your password and account information with others.
Passumpsic Savings Banks privacy policies protect customers nonpublic personal information. If you choose to give your password and account information to a screen scraper or information aggregator, you should consider whether that person or company will protect your nonpublic personal information to the same extent that Passumpsic Savings Bank will. You should read carefully the screen scrapers or aggregators terms and conditions of service before you subscribe for its services. Passumpsic Savings Bank is not responsible for the actions or practices, including information sharing practices, of any screen scraper or aggregator.
Passumpsic Savings Bank reserves the right to monitor your PasskeyBanker usage. We may terminate your PasskeyBanker service if we have reason to believe an information aggregator or screen scraper is gaining access to your accounts.
c. Computer Performance
Passumpsic Savings Bank, its subsidiaries and other affiliates assume no responsibility and disclaim any and all liability for loss or damage associated with the functionality or operation of your computer, your connection to the PasskeyBanker service, your browser software or your Internet service providers services or performance, including loss or damage arising out of computer viruses.
7. Limited Liability
Passumpsic Savings Bank agrees to make reasonable
efforts to ensure performance of PasskeyBanker. We will be responsible for
acting only on those instructions sent through PasskeyBanker which are actually
received and cannot assume responsibility for malfunctions in communications
facilities not under our control that may affect the accuracy or timeliness
of
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