Terms & Conditions

Acceptance of Terms

This Internet website (the ”Website”) is provided by Mechanics and Farmers Bank (M&F Bank). Use of the Website is subject to the following terms and conditions (the “Terms”), which may be updated by M&F Bank from time to time without notice. In addition to these terms and conditions, you will be bound by any additional terms, guidelines or rules throughout the Website, which are incorporated herein by reference. Any modifications or enhancements to the Website shall be governed by these terms and conditions. Your use of the Website constitutes acceptance of these terms and conditions.

Privacy

Please review our M&F Bank Internet Privacy Statement for more information on our privacy practices.

Maintenance of the Website

You agree and acknowledge that M&F Bank may modify, limit, suspend, or discontinue the Website or any part of the Website at any time, without notice or liability to you. M&F Bank may also, from time to time, establish general rules and policies regarding use of the Website. M&F Bank will post such rules and policies on the Website, and your compliance with such rules and policies shall be a condition of your use or continued use of the Website. M&F Bank shall have no liability or responsibility with respect to any lost data or content transmitted by you.

Third-Party Links

The M&F Website provides links to other websites for convenience and informational purposes only. Users should be aware that when they select a link on the M&F website to an external website, they are leaving M&F’s site. Linked sites are not under the control of M&F, and M&F is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. M&F is not responsible for any transmission received from a linked site. The inclusion of a link does not imply endorsement by M&F of the site, its content, advertisers or sponsors. External sites may contain information that is copyrighted with restrictions on reuse. Permission to use copyrighted materials must be obtained from the original source and cannot be obtained from M&F. Any reliance on the contents of a third-party website is done at your own risk, and you assume all responsibilities and consequences resulting from such reliance.

Notices and Disclaimers

M&F Bank is a Member FDIC and an Equal Housing Lender. M&F Bank is authorized to provide banking services in the State of North Carolina. The information contained in this server is not intended to constitute an offer or solicitation of banking services from customers in any state in which the offering, providing, or solicitation of such services is prohibited by federal law or the laws of any state.

The Website and all content contained therein, including, without limitation, all text, graphics, and other works on the Website, the Website’s design and coding, the look and feel of the Website, and all data and reports generated by the Website are owned by M&F Bank and other copyright owners. These materials are protected under copyright, trademark, and other laws. Unless otherwise specified, no one has permission to copy or republish, in any form, any information or other materials found on the Website.

Permitted Use

Any person is hereby authorized to view the information available from this web server for informational purposes only. No part of the information on this server can be redistributed, downloaded, transmitted, modified, copied, or reproduced without the written consent of M&F Bank. You may not sell, publicly display, create derivative works of, reverse engineer, assign, sublicense, transfer, or otherwise exploit the Website or any content therein. M&F Bank grants you a personal, non-transferable, nonexclusive license to use the Website and the content displayed therein, provided that you comply with these Terms and any other rules regarding such use.

Furthermore, you agree not to use the Website:

In any way that violates any applicable federal, state, local, or international law or regulation.
To impersonate or attempt to impersonate M&F Bank, an M&F Bank employee, another user, or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing).
To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the M&F Bank or users of the Website or expose them to liability.

Additionally, you agree not to:

Do not use the Website in any manner that could disable, overburden, damage, or impair it or interfere with any other party’s use of the Website, including their ability to engage in real-time activities through the Website.
Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
Use any manual process to monitor or copy any of the material on the Website or for any other purpose not expressly authorized in these Terms, without our prior written consent.
Use any device, software, or routine that interferes with the proper working of the Website.
Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
Otherwise attempt to interfere with the proper working of the Website.

Account Information

To the extent applicable, you agree to provide M&F Bank with current, complete, and accurate information when registering for an account on the Website. You further agree to regularly update your information as needed. Additionally, you agree to use this Website to access only those accounts on which you are authorized to act, and to use your own credentials when accessing accounts on which you are authorized to act. You are solely responsible for all activities that occur in connection with your credentials. If you become aware of any suspicious or unauthorized conduct concerning your accounts or credentials, you agree to contact M&F Bank immediately. You are responsible for protecting the security of any credentials you use in connection with our Website.

M&F Trademarks

The following are trademarks or registered trademarks of M&F Bank:

The trademarks listed above are and shall remain the property of M&F Bank. All other trademarks, service marks, logos, and trade names (each a “Mark”) used in the Website are the property of M&F Bank or third parties and shall remain the property of M&F Bank and such third parties. Nothing contained in the Website shall be construed as granting, by implication or otherwise, any license or right to use any Mark displayed on the Website without the written permission of M&F Bank or such third party that may own the Mark displayed on the Website. Your misuse of any Mark displayed on the Website, or any other content on the Website, is strictly prohibited. M&F Bank will aggressively enforce its intellectual property rights to the fullest extent of the law, including through criminal prosecution. All other trademarks and service marks not owned by M&F Bank that appear on the Website are the property of their respective owners, who may or may choose to enforce their respective rights.

Disclaimer of Warranties

THE CONTENT AND SERVICES PROVIDED ON OR ACCESSED THROUGH THIS WEBSITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. M&F BANK DOES NOT WARRANT THAT THE INFORMATION ACCESSIBLE VIA THE WEBSITE IS ACCURATE, COMPLETE OR CURRENT OR WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS. M&F BANK DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE IN AN UNINTERRUPTED, SECURE OR ERROR-FREE MANNER OR THAT ANY RESULTS OBTAINED FROM USE OF THE WEBSITE WILL BE RELIABLE.

YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE WEBSITE. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH USE OF THE WEBSITE IS DONE AT YOUR OWN RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE DONE TO YOUR COMPUTER OR LOSS OF DATA THAT RESULTS FROM SUCH ACTIVITY. M&F BANK AND THIRD PARTIES WHO CONTRIBUTE TO THE WEBSITE, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND OTHER REPRESENTATIVES, ARE NOT RESPONSIBLE FOR ANY LOSS, DAMAGE OR COSTS THAT YOU MIGHT INCUR ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE WEBSITE.

NO INFORMATION DISPLAYED OR INCLUDED IN THE WEBSITE SHALL CREATE ANY WARRANTY, NOR IS IT INTENDED TO SUPPLY LEGAL, FINANCIAL, MANAGEMENT, ACCOUNTING, OR OTHER FORMS OF ADVICE. USE OF THE WEBSITE IS NOT A SUBSTITUTE FOR THE ADVICE OF A FINANCIAL ADVISOR OR OTHER PROFESSIONAL ADVISOR.

Products and Services of Third Parties

Descriptions of, or references to, products, services or publications within M&F Bank’s web server do not imply endorsement of that product, service or publication. M&F Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. M&F Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose with respect to such products and information.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

References to corporations, their services and products, are provided “as is” without warranty of any kind, either expressed or implied. In no event shall M&F Bank be liable for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever resulting from loss of use, data or profits, whether or not advised of the possibility of damage, and on any theory of liability, arising out of or in connection with the use or performance of this information.

Confidentiality of Internet Not Guaranteed

Although we try to protect information you send us, we cannot guarantee that information sent over the internet is completely confidential. There are certain aspects of internet usage, your computer and your links to the internet we cannot control. Therefore, transmission of information to us on the Internet must be undertaken at your own risk.

Monitoring

M&F Bank has no obligation to monitor the Website, however, you acknowledge and agree that M&F Bank has the right to monitor the Website electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation, or other governmental request, to operate the Website, to protect itself or other users of the Website or for any other purpose that complies with applicable laws.

Minors

Our Website is intended for use by individuals who are at least 18 years old. By using our Website, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Website.

We do not knowingly collect personal information from children under the age of 18. If we become aware that we have inadvertently obtained personal information from a person under the age of 18, we will delete it in accordance with applicable law.

Users Outside the United States

The Website is not directed at or intended for users outside the U.S. Please be advised that if you are located in the European Union or another region with laws related to data collection and use that may differ from U.S. law, your personal information submitted through the Web Site and transferred to the U.S. may not have the same legal data protection as in your jurisdiction. Please review the M&F Bank Internet Privacy Statement for more information on our privacy practices.

Governing Law and Jurisdiction

The Terms and the relationship between you and M&F Bank shall be governed by the laws of the State of North Carolina, without regard to its conflict of law provisions. You agree that any cause of action that may arise under the Terms shall be commenced and be heard in the appropriate court in the State of North Carolina, County of Durham.

Furthermore, you agree to submit to the personal and exclusive jurisdiction of the courts located within Durham County in the State of North Carolina.

Entire Agreement

These Terms comprise the entire agreement between you and M&F Bank relating to your use of the Website and supersede all prior agreements and negotiations, whether oral or written. These Terms supersede any previous Terms and Conditions relating to use of the Website to which you and M&F Bank may have been bound. There are no other agreements, understandings, promises, or conditions, oral or written, express or implied, concerning the subject matter of these Terms, except as set forth in these Terms.

Further Inquiries

You may direct questions about these Terms, or other issues, to us by contacting us using the form available here.

M&F Bank Mobile Application Terms and Conditions can be found here.