PLEASE REVIEW THE FOLLOWING TERMS AND CONDITIONS OF USE BEFORE USING THIS WEBSITE (“SITE”). BANK OF TENNESSEE AND ITS DIVISIONS, CARTER COUNTY BANK AND MOUNTAIN COMMUNITY BANK (“THE “BANK”), PROVIDE ACCESS TO THIS WEBSITE AND ITS PRODUCTS AND SERVICES SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS OF USE (“TERMS”).
This Site has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Nothing contained in any page on this Site takes the place of the Bank’s agreements and disclosures that govern its products and services. If any information on the Site conflicts with that in the Bank’s agreements and disclosures, the agreements and disclosures will control.
The information and materials contained in this Site are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
By accessing this Site, you are agreeing to be bound by these Site Terms, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this Site. The materials contained in this Site are protected by applicable copyright and trademark law.
Bank of Tennessee reserves the right to revise the Terms at any time, without notice. You can review the most recent Terms at www.bankoftennessee.com.
In order to use the Site, you must obtain access to the Internet via an Internet Service Provider and you must use appropriate and compatible hardware and software. You are solely responsible for any fees incurred to access the Internet and our Site. Bank of Tennessee operates a secure Site, using Secure Socket Layer (SSL) encryption and requires that you use a web browser that supports SSL. Bank of Tennessee is not responsible for any computer virus or other errors that may be associated with the use of our Site.
All products and services provided by Bank of Tennessee are subject to the terms and conditions of each service. Product offers, terms, rates and product information are subject to change without notice.
Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information gathered through your use of our Site. For additional information on how we share information, please review our Privacy Notice.
The safety and security of children is very important to Bank of Tennessee. The online financial services offered through Bank of Tennessee’s Site are not designed for or directed towards children under the age of 13. We do not knowingly solicit or collect personal identifiable information from children without parental or guardian consent. Should we receive online information from any child, we will only use this information to respond directly to the child’s request, notify parents, or seek parental or guardian consent.
If you believe your child has provided personally identifiable information to us, please contact Customer Care at 866.378.9500. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at www.ftc.gov.
The trademarks, trade names, and service marks used on the Bank of Tennessee Site are the property of Bank of Tennessee. No one is authorized to use any trademarks, trade names or service marks in any manner without the prior express written permission of Bank of Tennessee. All materials provided on the Bank of Tennessee Site are protected by U.S. and international copyright law, and shall not be transmitted, broadcast, copied, adapted, displayed, reproduced, republished, uploaded, downloaded, posted, distributed, performed or otherwise used without the prior express written permission of Bank of Tennessee.
From time to time the Bank may place links to other websites on this Site. Bank of Tennessee has not reviewed all of the sites linked to its Site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Bank of Tennessee of the site. Use of any such linked web site is at your own risk. The Bank has no control over any other website and is not responsible for the content on any website other than this one. Users assume all responsibility when they go to other sites via the links on this Site.
The materials on Bank of Tennessee’s Site are provided “as is”. Bank of Tennessee makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Bank of Tennessee does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Site or otherwise relating to such materials or on any sites linked to this Site.
In no event shall Bank of Tennessee or its suppliers be liable for any damages (including, without limitation, damages for loss of data or lost profits, or due to business interruption) arising out of the use or inability to use the materials on Bank of Tennessee’s Site, even if Bank of Tennessee or a Bank of Tennessee authorized representative has been notified orally or in writing of the possibility of such damage. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
To the maximum extent permitted by applicable law, you agree to release, Indemnify, defend and hold harmless Bank of Tennessee from and against all damages, claims, liabilities and expenses (including attorneys’ fees) brought by any person arising from or relating to your access and use of the Site, including, without limitation, any claims alleging facts that if true would constitute a breach by user of these terms and conditions.
Bank of Tennessee collects information from Website visitors and also obtains information from third parties (including from service providers) in the course of providing our mortgage and loan origination services (our “Services”),
which we may add to the data we obtain through the Website. The information collected through our website includes:
Personal and Loan-related Information. You may provide us information about you, which may include personal information and information relating to or neessary for the initiation, processing, or completion of certain financial transactions, including the issuance of loans. c
Transactional Information. We may also create transactional records of each of the transactions or other events occurring through our Website. This transactional information is generally collected (i) to enable our Services, including loan document creation, origination, management, and distribution, (ii) to enable the services provided by third parties (including determinations regarding qualification for loans or the interest rates to be applied to loans), and (iii) to enable Bank of Tennessee to comply with various legal obligations.
Device and Usage Information. Like most online services, our Website collects standard technical, non-personal information when you use it, including internet protocol (IP) addresses, browser types, internet service providers (ISPs), the pages and content you view or interact with on our Website, the information you search for, and the dates and times that you visit our Website.
Cookies and Other Technologies. Our Website collects certain information through the use of “cookies” and other tracking technologies. Cookies are small files that your browser places on your computer. We may use session cookies, persistent cookies, and other tracking technologies to better understand how you interact with our Website, to monitor usage by our users and web traffic routing on our services, and to improve and personalize our Website. Many Internet browsers automatically accept cookies. You may be able to instruct your browser to stop accepting cookies or to prompt you before accepting cookies from the websites you visit. Google provides some additional privacy options relating to Google analytics, described at www.google.com/policies/privacy/partners/. We do not respond to “do not track” browser signals at this time. We may also use web beacons, which are transparent graphic images on a webpage or within the body of one of our marketing emails, to allow us to measure visitor actions and assess the effectiveness of our email marketing campaigns. For example, we use web beacons in our email marketing to track instances where a user clicks through a link in the email.
We and service providers working on our behalf use information collected on our Website in a variety of ways intended to provide our Website and Services and to operate our business, including the following:
To Provide our Services. We use the information that we collect (i) to operate, maintain, enhance and provide our Website and our Services, (ii) to provide other services and information that you request, and (iii) to provide customer support to you and other parties.
To Improve, Analyze, and Personalize our Website and Services. We use the information that we collect to understand and analyze usage trends and preferences; to monitor and analyze the effectiveness of our Website and Services; to improve our Website and Services and develop new products, services, features, and functionality; and to personalize our Website and Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our Website, or providing customized content and information.
To Contact You. We may use your email address or other information we collect to contact you for administrative purposes such as customer service or to send communications, including marketing or promotional communications, relating to our Website and Services. Generally, you have the ability to opt out of receiving promotional communications as described below.
Aggregate Data. We aggregate data collected through our Website and use it for purposes such as creating and sharing reports about the use of our products and services, including users’ interests, usage patterns, and trends.
Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored
to you.
Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored to you.
We may share, transfer, or disclose your information if you consent to us doing so, as well as in the following circumstances:
To Service Providers. We work with third party service providers to provide services including loan or transaction processing or administration; Website hosting and other similar services, development and maintenance; advertising and marketing services; and other services related to our Website and Services for us. These third parties may have access to or process your information as part of providing those services for us. Generally, we limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such information. These service providers are not permitted to use information we share that might identify you for any purpose other than to provide services to Bank of Tennessee or to you.
In Aggregate Form. We may make certain aggregated non-personal information available to third parties for various purposes, including (i) compliance with various reporting obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding our users’ interests, usage patterns, and borrowing and loan origination trends.
Compliance with Laws and Law Enforcement; Protection of Our Rights. We may disclose your information (including your personal information) to a third party if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process or governmental request, (b) to enforce our agreements, policies and terms of service, (c) to protect the security or integrity of our Website or Services, (d) to protect the property, rights, and safety of [Company Name], our users or the public from harm or illegal activities, (e) to respond to an emergency which we believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations.
In Significant Business Transactions. Your information, including personal information, may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, or in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.
Bank of Tennessee has certain measures in place to maintain the security, confidentiality and integrity of the information gathered through the Website, and to help protect against the loss, misuse and alteration of such information.
While we take measures to protect your personal information against security breaches and unauthorized access, we cannot guarantee that our safeguards will be effective all of the time against all security threats.
This Privacy Policy may be revised from time to time. If we decide to make material changes to our Privacy Policy, we will make reasonable efforts to notify you of the changes by sending a notice to the primary email address provided
to us and/or by placing a notice on our Website.
You can access and update the information that you have provided to us as follows:
If you are a Bank of Tennessee customer, you can access and update certain personal information in connection with your account or application by logging into your account online.
You may contact us at mortgage@bankoftennessee.com and request to review, amend or delete certain personal information collected by us.
Please note that we may not be able to delete all information we collect through our Website.
You may opt-out of receiving marketing emails at any time by following the steps to “unsubscribe” described in the footer of our marketing emails. Your opt-out will become effective in 10 days or less.
If you have any questions, comments or concerns regarding our Privacy Policy and/or practices, please send an email to: mortgage@bankoftennessee.com.
Bank of Tennessee
P.O. Box 4980
Johnson City, TN 37602