Website Terms of Use

Welcome to www.cnbstl.com (this “Website”). This Website Terms of Use (these “Terms”) outlines CNB St. Louis Bank’s (“our”, “us”, and “we”) terms and conditions applicable to your use of our Website and includes our practices regarding the collection, use, and disclosure of your information when you use our Website. These Terms do not govern any specific services or products provided by us to the extent such services or products are governed by any other agreement or policy specific to such services or products. BY ACCESSING OUR WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU SHOULD NOT ACCESS THIS WEBSITE.

We, or our third-party providers, own all rights to our Website and the content on our Website. You are authorized to access, view, and use our Website and content only for your own lawful and personal informational purposes. You are responsible for obtaining all services, software, and equipment necessary for your access to and use of our Website. We are not liable or responsible for any errors or failures caused by any malfunctions or defects to any such services, software, or equipment. You agree not to take any action in violation of any applicable laws or our rights.

By accessing and using our Website, you agree and consent to: (1) the collection, retention, and use of personal or other information about you or the device you use to access our Website in accordance with these Terms, and (2) our use of analytics and monitoring tools to collect user interaction with our Website, as further described herein. If you disagree with any part of these Terms, you can either not use our Website or opt-out from certain data collection practices (see Opt-Out below).

We collect both personal and non-personal information about you to provide and improve our Website and to advertise to you products and services. Personal information may include, without limitation, your name, email address, and phone number. Non-personal information may include, without limitation, general geographic location, browser type, the pages of our Website that you visit, the time and date of your visit, and other diagnostic data.

We utilize data segments to enhance your experience, tailor content and advertisements to your interests, and analyze the effectiveness of our Website and advertising efforts. These segments are derived from your interactions with our Website.

Our Website uses Google Analytics and may use other Google advertising services to collect data about your visits to and interactions with our Website. This data helps us analyze how users engage with our Website and enables us to offer targeted advertising.

Our Website may include links to websites owned or controlled by third parties or content provided by third parties. We are not responsible for the availability or content of such third-party websites or content and do not represent either the third-party website or you, should you enter into a transaction. We are not liable for any third party’s websites, content, products, services, privacy policies, or security. You are responsible for reading all terms of use applicable to any third-party websites, products, or services, and shall comply with all such terms. You should review all third-party privacy and security policies which may differ from our own. By accessing a link to a third party’s website, you acknowledge and agree that: (1) we do not own or control such third-party website or content, (2) we do not investigate, monitor, verify, endorse, guarantee, or make any representations or warranties regarding or relating to, any third party content, products, or services, and (3) we are not liable for any third-party content, products, or services.

We may make available to you through our website, an online chat feature. We make no guarantee that such chat feature will be available or functioning without error at all times. All chats may be monitored, recorded, and retained by us. You shall not use the chat feature to deliver any fraudulent or abusive communications.

You may, from time-to-time, apply for certain products or services through our Website. Your application for such products or services is subject to our application and eligibility requirements and our review and approval in our sole discretion. No information on our Website is intended as a legal offer or solicitation for the purchase of any security or financial instrument, product, or service. Any personal information you share with us as part of your application is subject to our privacy policies, which can be located at https://www.cnbstl.com/policies-and-disclosures

We engage in remarketing efforts with Google Ads and other advertising networks. This means that we may show ads to you on other sites based on your previous interactions with our Website. We and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie or Google Tag) to inform, optimize, and serve ads based on your past visits to our Website.

Cookies are electronic files that your internet browser places on your hard drive or other devices used to access our Website to retain information relating to your visits to and use of our Website. We use cookies and similar tracking technologies to track activity on our Website and store certain information. These technologies are used for analytics, personalizing content and ads, and monitoring our Website's performance. You have the option to refuse all cookies or indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Website.

You can opt out by visiting Google's My Ad Center(Opens in a new Window), by opting out of a third-party vendor's use of cookies by visiting the Network Advertising Initiative opt-out page(Opens in a new Window), or control the use of device identifiers by using your device’s settings(Opens in a new Window).

The information contained on our Website is for informational purposes only. We make no representations or warranties with respect to any such information and are not obligated to supplement, update, or correct any such information. Notwithstanding the foregoing, We reserve the right to amend, supplement, or otherwise modify any such information without notice to you.

OUR WEBSITE IS OFFERED ON AN “AS IS”, “AS AVAILABLE”, “WHERE IS”, AND “WHERE AVAILABLE” BASIS, WITH NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT OUR WEBSITE WILL BE UNINTERRUPTED OR FREE OF ERRORS, OR AS TO THE ACCURACY OR COMPLETENESS OF ANY INFORMATION.

TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, WE SHALL HAVE NO LIABILITY OF ANY KIND OR NATURE TO YOU FOR ANY LOSS TO YOU ASSOCIATED WITH YOUR ACCESS TO OR USE OF OUR WEBSITE INCLUDING, WITHOUT LIMITATION, ANY LOSS ASSOCIATED WITH ANY COMPUTER VIRUSES. WITHOUT LIMITING THE FOREGOING, IN NO EVENT SHALL WE BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, OR OTHER DAMAGES ARISING FROM OR RELATING TO YOUR ACCESS TO OR USE OF OUR WEBSITE.

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless us and our shareholders, officers, directors, representatives, agents, successors, and assigns from and against all losses, liabilities, damages, costs, and expenses arising from or relating to your violation of these Terms or misuse of our Website.

Your use of our Website is subject to the applicable privacy policies and notices, which may be located at https://www.cnbstl.com/policies-and-disclosures.

We use commercially reasonable safeguards that comply with legal and regulatory standards to protect and limit access to your personal information. Information you send to us electronically may not be secure when it is transmitted to use. We recommend that you do not use unsecure channels to transmit personal information. No method of transmitting or storing data is guaranteed to be secure. We are not responsible for any unauthorized access to communications that you submit to us electronically.

These Terms are governed by the laws of the State of Missouri without reference to conflict of laws rules. ANY LITIGATION ARISING UNDER OR RELATING TO THESE TERMS OR YOUR ACCESS TO OR USE OF OUR WEBSITE SHALL BE BROUGHT AND PROSECUTED ONLY IN THOSE STATE OR FEDERAL COURTS HAVING GEOGRAPHIC JURISDICTION OVER ST. LOUIS COUNTY, MISSOURI. BY ACCESSING OR USING OUR WEBSITE, YOU AGREE TO THE EXCLUSIVE JURISDICTION OF SUCH COURTS AND WAIVE THE RIGHT TO A JURY IN ANY SUCH LITIGATION.

Our Website is not directed to children under the age of 13, and we do not knowingly collect personal information from such children.

We reserve the right to modify these Terms at any time and without prior notice to you. Your continued use of our Website following our posting to our Website of any such modified Terms shall be deemed to constitute your acceptance of such modified Terms.

If you have any questions about this Website Terms of Use you may visit us at any of our branch locations, or contact us by:

Phone: (314) 645-0666

Fax: (314) 645-8061

Email: cs@cnbstl.com

CNB St. Louis Bank

7305 Manchester Road

Maplewood, MO 63143