terms & conditions
Welcome to fairfieldfederal.com!
This web site is owned and operated by Fairfield Federal Savings and Loan Association of Lancaster, Lancaster, Ohio ("Fairfield Federal"). The terms "Fairfield Federal Web Site" and this "web site" mean the web site having a Uniform Resource Locator (or URL) of fairfieldfederal.com and any other web site that may be owned, operated, licensed, or controlled by Fairfield Federal. References to Fairfield Federal include Fairfield Federal and any of its affiliated companies.
You may use fairfieldfederal.com only if you agree, without modification, to these terms and conditions ("Terms"). This web site also has an Internet Banking Page whose use is governed by an Internet Banking and Bill Payment Agreement ("Agreement"). For customers of our Internet Banking Service, the Agreement applies in addition to these Terms. Also for those customers, the Agreement applies rather than these Terms if there is an inconsistency between them.
By using this website, you agree that all information you have provided through this website are truthful and accurate. You may not use this website to engage in any illegal activity or any activity which may be defamatory, threatening, harassing, libelous or that may infringe on a third party's intellectual property or other proprietary rights. Fairfield Federal reserves the right to require a change in a customer's user ID or security question answers if they are deemed inappropriate at Fairfield Federals sole discretion and judgment.
Fairfield Federals e-mail system is a private e-mail system and should only be used for purposes authorized by Fairfield Federal. You may not send unsolicited commercial e-mails to any e-mail address at fairfieldfederal.com. Fairfield Federal reserves the right to pursue any action necessary to prevent the misuse of its e-mail system by any unauthorized parties.
Please read the Terms carefully before continuing. By accessing and using this Web Site you signify acceptance of our Terms. You may use your browser to download or print out a copy of these Terms for your records.
These Terms are as of: December 12, 2001.
1. No Advice or Recommendations
Except for the Internet Banking Service, the Fairfield Federal Web Site and its content are for information and education purposes only. Any views expressed on this Web Site were prepared by Fairfield Federal based upon the information available at the time such views were written. Changed or additional information could cause such views to change. Your eligibility for particular products and services is subject to final determination and acceptance by Fairfield Federal Savings and Loan Association.
2. Jurisdictional Issues and Applicable Law
Fairfield Federal is a Federal Savings and Loan Association organized under the Home Owners Loan Act of 1933. Unless otherwise specified, Fairfield Federal controls and operates this Web Site from our offices within the State of Ohio, United States of America. The services and products described and information provided on this Web Site are not intended for distribution or use by any person in any country or jurisdiction where such distribution or use would be contrary to law or regulation or that would subject Fairfield Federal to any registration requirement within such jurisdiction or country. Persons who access this Web Site do so on their own initiative and are responsible for compliance with applicable local laws or regulations.
The laws of the State of Ohio and applicable U.S. federal law shall govern these Terms. If you take legal action relating to these terms, you agree to file such action only in state or federal court within the State of Ohio, and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action.
3. Modification of Web Site
Fairfield Federal reserves the right, at our discretion, to change these Terms at any time. We suggest that you review these terms periodically for changes. The terms can be accessed from links on the home (or index) page and other pages of the Fairfield Federal Web Site. If you use this Web Site after we post changes to these Terms, you accept the changed terms. Fairfield Federal may also offer other services from time to time that are governed by different terms and conditions. If you have an account with Fairfield Federal, your customer relationship with Fairfield Federal is also governed by other agreements, including your account agreement.
4. Monitoring of Web Site
Fairfield Federal expressly reserves the right to monitor any and all use of this Web Site. Fairfield Federal is under no obligation to do so and assumes no responsibility or liability arising from the use of this Web Site. Our communications via email are not encrypted. You acknowledge that there is a risk that data, including email, electronic communications and personal data, may be accessed by unauthorized third parties when communicated between you and Fairfield Federal.
5. Copyrights, Trademarks and Service Marks
Fairfield Federal owns and operates this Web Site. All trademarks, service marks, and trade names that are displayed on this Web Site and relate to Fairfield Federal are proprietary to Fairfield Federal. All other trademarks, service marks, and trade names are the property of their respective owners. Fairfield Federal or a third party vendor own the copyright to the pages and screens displaying pages that appear on this Web Site.
You are authorized to use materials that are made available on this Web Site only for your own needs, and you are not authorized to resell access to any such materials or to make copies of any such materials for sale to others. You will not delete copyright or other intellectual property rights notices from printouts of electronically accessed materials.
Users and other web sites may not:
Copy, reproduce, republish, upload, post, transmit, or distribute in any way material from this Web Site in any manner inconsistent with the purposes for which it is offered by Fairfield Federal to its customers, prospective customers or members of the general public.
Without Fairfield Federal's express written permission, copy, modify, or display Fairfield Federal's name or logo, or any text, graphic images, or other content from the Fairfield Web Site. (To request express written permission, you can send us an e-mail at firstname.lastname@example.org)
Redeliver any of the pages, text, images, or other content of the Fairfield Federal Web Site using "framing" technology without Fairfield Federal's express written permission.
Use devices (including software) that are designed to provide repeated automated access to fairfieldfederal.com other than those made generally available by Fairfield Federal.
Include "Fairfield Federal" or any other Fairfield Federal trademark, the name of any Fairfield Federal personnel, or any variation of any of the foregoing, as a metatag, hidden textual element, or any other indicator that may create a false or misleading impression of affiliation, sponsorship, or endorsement between any user and/or site and Fairfield Federal.
Collect or store personal data about other users of this Web Site.
Upload, email or otherwise transmit any material that contains viruses or any other computer code, files or programs that might interrupt, limit or interfere with the functionality of any computer software or hardware or the telecommunications equipment that is owned, leased or used by Fairfield Federal.
Create a link to the Fairfield Federal Web Site unless any such link satisfies all of the following requirements:
Resolves to Fairfield Federal's homepage at www.fairfieldfederal.com.
Indicates clearly that the link will lead to the web site of "Fairfield Federal Savings and Loan Association."
Does not falsely or misleadingly represent or suggest any relationship between the linking site and Fairfield Federal (including suggestions of affiliation, endorsement, or sponsorship).
Delivers Fairfield Federal's content outside of a framed environment.
Maintains the integrity of Fairfield Federal's layout, content, and look and feel.
Delivers users to the Fairfield Federal Web Site, unaltered, unmodified, unadulterated in any way by the linking site.
7. Third-Party Content
Fairfield Federal is not responsible for the content of any site owned by a third party that may be linked to the Fairfield Federal Web Site via hyperlink, whether such hyperlink is provided by Fairfield Federal or by a third party. The fact that Fairfield Federal may provide access to other web sites does not mean that Fairfield Federal recommends or endorses any goods or services provided by any web site's sponsoring organization.
Fairfield Federal is not responsible for content that appears on this Web Site that may be provided by a third party.
8. Privacy and Security
For information on how Fairfield Federal uses and protects the personal information you may provide on this Web Site, please click on this link to Fairfield Federal's Web Site Privacy & Security Statement. You may not use this Web Site to collect or harvest personal information about other persons or otherwise use this Web Site in a manner that is inconsistent with their privacy or personal data protection rights.
9. Contents of the Web Site - Disclaimer
THE MATERIALS IN THIS WEB SITE (INCLUDING ANY GRAPHICS) AND ANY MATERIALS MADE AVAILABLE THROUGH THIS WEB SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, FAIRFIELD FEDERAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. FAIRFIELD FEDERAL DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS WEB SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE MATERIALS IN THIS WEB SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THESE MATERIALS COULD BECOME INACCURATE AS A RESULT OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES. FAIRFIELD FEDERAL UNDERTAKES NO OBLIGATION TO MAINTAIN THE CURRENCY OF SUCH INFORMATION.
FAIRFIELD FEDERAL MAY PROVIDE LINKS IN THIS WEB SITE THAT MAY LINK YOU TO OTHER SITES ON THE WORLD WIDE WEB. THE LINKED SITES ARE NOT UNDER THE CONTROL OF FAIRFIELD FEDERAL AND FAIRFIELD FEDERAL 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. FAIRFIELD FEDERAL IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY LINKED SITE. FAIRFIED FEDERAL IS PROVIDING THESE LINKS TO YOU ONLY AS A CONVENIENCE, AND THE INCLUSION OF ANY LINK DOES NOT IMPLY A REFERRAL BY FAIRFIELD FEDERAL TO, OR AN ENDORSEMENT BY FAIRFIELD FEDERAL OF, THE LINKED SITE.
10. Operation of the Web Site – Disclaimer
FAIRFIELD FEDERAL ENDEAVORS TO MAINTAIN THIS WEB SITE AND ITS OPERATION, BUT IS NOT, AND CANNOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THE WEB SITE OR ITS OPERATION. AS TO THE OPERATION OF THE WEB SITE, FAIRFIELD FEDERAL EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. FAIRFIELD FEDERAL MAKES NO WARRANTY THAT (i) THE OPERATION OF THE WEB SITE WILL MEET THE USER'S REQUIREMENTS; (ii) ACCESS TO THE WEB SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR FREE OF ERRORS; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEB SITE WILL BE ACCURATE OR RELIABLE; OR (iv) DEFECTS WILL BE CORRECTED. YOU (AND NOT FAIRFIELD FEDERAL) ASSUME THE ENTIRE COST OF ALL SERVICING, REPAIR, OR CORRECTION THAT MAY BE NECESSARY FOR YOUR COMPUTER EQUIPMENT AND SOFTWARE AS A RESULT OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF VISITING THIS WEB SITE.
11. Limitation of Liability
UNDER NO CIRCUMSTANCES SHALL FAIRFIELD FEDERAL BE LIABLE FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS IN THIS WEB SITE, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION , ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE IN THE WEB SITE. FAIRFIELD FEDERAL SHALL NOT BE LIABLE EVEN IF FAIRFIELD FEDERAL OR A FAIRFIELD FEDERAL AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ERROR, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, LINE FAILURE OR COMPUTER VIRUS OR OTHER HARMFUL COMPONENT.
12. Limitations as to Paragraphs 9, 10 and 11
APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL FAIRFIELD FEDERAL'S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.
13. Termination of Service
Fairfield Federal may block access to the use of this Web Site without prior notice in the event it elects to discontinue such service on a temporary or permanent basis or in the event that you breach this Agreement. Fairfield Federal also reserves the right to block access to this Web Site if it has reason to believe that the general security and/or integrity of the system is being compromised.
If any provision or condition of this Agreement is held to be invalid or unenforceable by any court, or regulatory or self-regulatory agency or body, such invalidity or unenforceability shall attach only to such provision or condition. The validity of the remaining provisions and conditions shall not be affected thereby and this Agreement shall be carried out as if any such invalid or unenforceable provision or conditions were not contained herein.