Terms of Use

1st Source Corporation Website Terms of Use Agreement

1st Source Corporation maintains this website and related websites (“Website”) to provide you with information, products and services and to facilitate communication with 1st Source Corporation, 1st Source Bank and its affiliates (“1st Source”). 1st Source requires that all the visitors to our sites adhere to the following terms and conditions.

BY ACCESSING THE WEBSITE, YOU AGREE TO BE BOUND BY THIS 1ST SOURCE CORPORATION WEBSITE TERMS OF USE AGREEMENT (“AGREEMENT”) AND AGREE THAT YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK.  FROM TIME TO TIME WE MAY REVISE THIS AGREEMENT WITHOUT SPECIFIC NOTICE TO YOU.  YOUR CONTINUED USE OF THE WEBSITE SHALL BE DEEMED YOUR ACCEPTANCE OF SUCH CHANGES.  IF YOU DO NOT AGREE TO THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE. 

SERVICES

1st Source may provide you with various financial services via the Website, including online banking services, information, tools and calculators, investment and insurance products, product application and information request forms, or other related products or services (“Services”) such as:

Online Banking. The Website provides access to online banking services.

Information. The Website may provide various information relating to financial and other related matters. This information is for educational, reference and informational purposes only. You should not construe this information as legal, tax, investment, financial or other advice.

Tools and Calculators. The Website may provide various tools and calculators. The information provided by these calculators is for illustrative purposes only. The information may vary from your actual loan, mortgage, investment, savings or insurance results. Interest rates are hypothetical and are not meant to represent any specific investment. Rates of return will vary over time, particularly for long-term investments. The calculated results are not guaranteed to be accurate and are in no way endorsed, offered or guaranteed by 1st Source.

Investment and Insurance Products. The investment and insurance products are not insured by the Federal Deposit Insurance Corporation, are not deposits or obligations of, or guaranteed by, 1st Source, and are subject to risk, including possible loss of principal invested.

Product Application and Information Request Forms. The Website may provide online forms for loan and other services.

Services may be subject to additional terms and conditions. 1st Source may discontinue or change the Services at any time without prior notice and without any liability to you. Nothing contained in this Website constitutes a solicitation, recommendation, endorsement, or offer by 1st Source or a third party provider to buy or sell any financial products or services.

COPYRIGHT AND TRADEMARKS
All content, webpages and screen displays of this Website (“Content”) including, but not limited to, the text, design, layout, images, video, animation, graphics, and source code, is the property of 1st Source, unless otherwise indicated, and is protected by U.S. copyright laws and international treaties.  You are authorized to view the Content for your informational purposes only and may print or download copyrighted materials for your personal or internal business purposes only provided that any proprietary rights notices and any other marks, logos or other legends that appear on the copied or saved screens are not removed or obliterated. You do not acquire any ownership rights by downloading copyrighted Content. You may not copy, download, display, distribute, transfer, link to, sell, license, frame, create derivative works of or republish all or any portion of the Website for any commercial or public purpose unless you first obtain prior written consent from 1st Source.

The 1st design logo, 1st Source, 1st Source Bank, 1st Source Partnership Program, Asset Builder, Execu-Check, First Source Bank, Infosource, Mortgage Minimizer, Resource, Resource Plus, and Your Partners from the First designations are federally registered trademarks or service marks of 1st Source Corporation or its affiliates.  1st Source Corporation and its affiliates also claim rights in certain other trademarks and service marks contained in this Website. 

Any unauthorized use of the logos, trademarks, or service marks of 1st Source Corporation or its affiliates inconsistent with 1st Source Corporation’s intellectual property rights or this Agreement, including use in any manner that is likely to cause confusion among clients and customers, is strictly prohibited. 

This site may also contain logos, trademarks and service marks of third parties. You are not authorized to use such logos or marks without the third party's consent.

USER CONDUCT
You agree implement appropriate security including without limitation, network and local firewalls, up-to-date virus protection and security patches for any operating system and application software you use in your computer systems and user identification and password controls to safeguard the internal control and confidentiality of forms, access methods, codes, data, user IDs, and passwords which 1st Source may establish from time to time.  You agree that all such forms, access methods, codes, data, user IDs, and passwords used are commercially reasonable security measures to prevent unauthorized use of the Website and services, and you will keep these secured and confidential.

You agree not to take any action that interferes with the proper working of the Website; imposes an unreasonable or disproportionately large load on the Website's infrastructure; might compromise the security of the Website; renders the Website or any Service inaccessible to others; or otherwise causes damage to the Website or any content.

You agree that you will not use the Website or any information or services related thereto for any unlawful purpose, including, but not limited to, unauthorized entry into 1st Source's systems, misuse of passwords, or misuse of any information posted on the Website.  1st Source, in its sole discretion, shall determine whether any use violates this provision.

USE OF CUSTOMER INFORMATION
1st Source will only use information you provide for lawful business purposes. 1st Source will treat as confidential and not use, collect or retain any personal or proprietary information you provide via the Website unless 1st Source has a legitimate business purpose, or is required by law or regulation, to do so.  The 1st Source Privacy Notice provides more information on the protection of your account and certain other information.

You acknowledge and agree that 1st Source has no obligation, but reserves the right, to monitor the Website including any and all information transmitted or received through the Website, from time-to-time for operational and other purposes, subject to the Privacy Notice.  During monitoring, information may be examined, recorded, copied, and used for authorized purposes in accordance with the Privacy Notice. 1st Source reserves the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, or to refuse to post or to remove any information or materials, in whole or in part, that in 1st Source's sole and absolute discretion are objectionable or violate this Agreement, law or regulation.  Your use of the Website constitutes your consent to such monitoring, use and disclosure. 

ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION
Messages sent via electronic mail may be intercepted by third parties and are not protected by 1st Source. Personal email should not be used to communicate sensitive account or personal information. 

1st Source product and account applications submitted via the Website, however, are protected by encryption. Submissions become the personal property of 1st Source and may be used for any purpose within the limits of our Privacy Notice and applicable law.

1st Source may not be held accountable for any loss resulting from the delay or failure to transmit a message or application via the Website or for any other disruption or unavailability of the Website arising from user error, failure or malfunction of hardware, software or communication lines mechanical breakdown, system overload, interruption of power or utilities, natural disasters, inaccurate or incomplete information, strikes or stoppages, riots, wars, civil commotion, accidents, acts of terrorism, governmental or regulatory restrictions, or court orders, or any other cause whatsoever beyond 1st Source’s control. 

LINKS
1st Source may provide links to websites maintained by third parties and may from time-to-time provide third-party data, analyses, opinions and other information (“Third Party Content”) on this Website. 1st Source disclaims all liability for any Third-Party Content or third party’s website, products, services, privacy notices or security. Any reference on this Website to Third Party Content, products or services is for informational purposes only and constitutes neither an endorsement nor a recommendation by 1st Source.  All Third-Party Content or third party  products or services available on or via links on the Website is provided “AS IS” , “AS AVAILABLE” and “WITH ALL FAULTS”, and 1st Source makes no representations and disclaims any and all guarantees and warranties, express or implied, including without limitation any warranty of merchantability, fitness for a particular  purpose, accuracy, adequacy, correctness, reliability, integrity, completeness, currentness, absence of viruses or harmful code in connection with the Third Party Content, products and services and your use, or the results of the use of the Third-Party Content, products or services accessed on or via 1st Source’s Website. You assume all risk as to the results and performance of the Third-Party Content, products or services.  Under no circumstances is 1st Source liable for any damages arising from transactions between you and third parties or for any Third Party Content, products or services.

COOKIES
1st Source uses cookies to make your online experience with our Website more consistent. As a matter of security, we do not embed your personal information, including Social Security numbers or passwords, in our cookies. Cookies also enable online banking to take place
. You can set your browser to reject cookies, but disabling session cookies will prevent you from banking online with 1st Source. A session identification number is assigned to each user to maintain the user's session as he or she navigates the site. The unique identifier key allows the server to recognize you from one page to the next. The cookies used for online banking expire the moment you close your browser window.  To protect your account, you agree to log off any Website application that provides a log off or log out feature before leaving your computer and to close the browser window completely, particularly in any shared public environment.

CHILDREN'S ONLINE PRIVACY PROTECTION ACT (COPPA) COMPLIANCE
1st Source Websites do not knowingly collect, maintain, or use personal information about children under age 13. If a child who we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.

INDEMNIFICATION
You agree to defend, indemnify, and hold harmless 1st Source Corporation, its affiliates and their respective officers, employees and agents from and against any and all claims, actions, suits or proceedings, as well as any and all losses, liabilities, damages, costs and expenses (including reasonable attorneys’ fees) arising out of or related to your acts or omissions or those of your employee or agent, if applicable: (a) in providing material that infringes any copyright, trademark, trade secret, patent or other intellectual property right of any person or defames any person or violates any rights of publicity or privacy; (b) in misrepresenting any information  in connection with your use of the Website; (c) in violating  this Agreement; and (d) in using this Website, including information obtained through the Website, for which any claim is brought by a third party.

GOVERNING LAW
This Agreement shall be deemed executed and performed in South Bend, Indiana, and shall be governed by and construed in accordance with all applicable federal laws of the United States of America and the laws of the State of Indiana (without regard to conflict of law principles).  Any cause of action by you with respect to the Website or Services must be instituted within one (1) year after the cause of action arose or be barred.  This Agreement shall be interpreted as to its fair meaning and not strictly for or against either party.  All legal proceedings in connection with this Agreement shall be brought solely in St. Joseph County, Indiana.  You expressly submit to the exclusive jurisdiction and venue of said courts and consent to extra-territorial service of process.  Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed to the extent possible consistent with the applicable law or else shall be stricken and the remaining portions shall remain in full force and effect.

DISCLAIMER; LIMITATION OF LIABILITY
1st SOURCE BANK PROVIDES THIS WEBSITE ON AN "AS IS", "AS AVAILABLE" and “WITH ALL FAULTS” BASIS.  1ST SOURCE BANK MAKES NO REPRESENTATIONS AND DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, AS TO THE OPERATION OF, AND THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES, INCLUDED ON, OR USEABLE THROUGH OR BY MEANS OF, THIS WEBSITE.  NEITHER 1ST SOURCE CORPORATION NOR ANY OF ITS AFFILIATES WILL BE LIABLE FOR ANY DAMAGES OR INJURY OF ANY KIND , INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES, ARISING FROM ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR OTHER USE OF DATA, DOCUMENTS OR INFORMATION.  YOU EXPRESSLY AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK.

GENERAL
Additional terms and conditions, agreements, disclosures and disclaimers (“Additional Terms”) apply to certain Services. If there is a conflict between this Agreement and any Additional Terms, the Additional Terms govern those Services.  Except for such Additional Terms, if anything in or associated with the Website is in conflict or inconsistent with this Agreement, this Agreement shall control. 

1st Source’s delay or failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision or of the right to enforce such provision.  No waiver by either party of any breach or default hereunder shall be deemed a waiver of any subsequent breach or default.  The titles and subtitles used in this Agreement are used for convenience only, and are not to be considered in construing or interpreting this Agreement. This Agreement and any Additional Terms constitute the entire agreement between you and 1st Source with respect to your use of the Website.