These Terms and Conditions of Use (“Terms and Conditions”) describe the terms and conditions that govern your access to and use of this website or a related website owned or operated by or for Farm Bureau Bank or any of its affiliates (the “Website”). As used in these Terms and Conditions, “we,” “us,” and “our” means the entity within the Farm Bureau Bank, family of companies by or for whom the Website is operated.
Access to or use of the Website constitutes your consent to the Terms and Conditions, so please read them carefully. If you do not consent to and agree to be bound by these Terms and Conditions, please do not access or use the Website.
The Terms and Conditions, as well as the information and materials contained on this Website, are subject to change, and we reserve the right to modify the Terms and Conditions without prior notice. You can determine when the Terms and Conditions were last revised by referring to the "Last Updated" legend at the top of this page. Any changes to the Terms and Conditions will become effective upon posting of the revised Terms and Conditions on the Internet, accessible through the Website. Your use of the Website following such changes constitutes your acceptance of the revised Terms and Conditions then in effect. We encourage you to periodically review the Terms and Conditions to ensure familiarity with their most current version. If you do not agree with the revisions, then you should not access or use the Website.
Our names, logos, and tag lines, as well as other phrases and images contained in the Website are trademarks, service marks, trade names, and/or trade dress. All trademarks, service marks, trade names, trade dress, and related intellectual property rights in any of the products or services offered through the Website (collectively, the “Marks”) are owned by us or our licensors or licensees. You may not use, reproduce, or display any of our Marks, except upon our prior written consent. The Website and the contents of the Website, including, but not limited to, photographs, images, and artwork, and the Website’s overall appearance are our property and are protected by United States copyright, trademark, patent, trade secret, and other intellectual property law, and you may not download, modify, reproduce, transmit, distribute, display, publish, transfer, sell, or create any derivative works from them without our prior written consent.
When you access or use (via the Enrollment and/or Login process) any secure portion of the Website, you shall be deemed to have ratified and agreed to be bound by all other applicable terms and conditions with Farm Bureau Bank under the account disclosures, bank rules, policies, and practices governing such use and activities.
Following enrollment in any service and creating a User ID and Password, each time you Login will constitute your legal signature, which will be binding on you, your heirs, and successors, though it will have been delivered through electronic means.
Using any Contact Us form (or sending email over the internet) is NOT secure. Do not send any sensitive or private information (including account numbers or passwords) using a contact form or via any general email messaging system. If you want to send such information, please do so only through the secure, encrypted messaging function within our online banking service.
It is important that you familiarize yourself with the terms and conditions of any website that you visit before providing any information on that website.
Linked Sites are not under our control, and we are not responsible for how Linked Sites use your information, the security of information you provide to or that is collected by Linked Sites, or any changes or updates to Linked Sites. We are also not responsible for any transmission received from a Linked Site. We make no representation as to the completeness or accuracy of information provided on Linked Sites. Nor are we liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, Linked Sites, or information or programs made available on or in connection with any Linked Sites. When you access a Linked Site, you assume total responsibility and risk for your use of such Linked Site.
Linked Sites may contain information that is copyrighted with restrictions on reuse. Permission to use such copyrighted materials must be obtained from the copyright owner and cannot be obtained from us.
We have taken reasonable measures to ensure that the Website, including all information, data, functionality, and services offered on or through the Website (the “Services”), is accurate and current. However, the Website and the Services are provided as is and as available, and we make no express or implied warranty regarding the Website, including its content and the Services, and hereby expressly disclaim all legal liability and responsibility to persons or entities who use or access the Website and its content, based on their reliance on any information or data that is available through the Website. The information available on the Website is not intended to constitute and should not be considered as legal advice, nor is it intended to substitute for obtaining legal advice from competent, independent legal counsel.
Use of the website, including the services, is at your sole risk. We do not warrant that you will be able to access or use the website at the times or locations of your choosing; that the use of the website will be uninterrupted or error-free; that defects will be corrected; that data transmission or storage is secure; or that the service is free of inaccuracies, misrepresentations, viruses, or other harmful information or components. We reserve the right to suspend or terminate your access to the Website for any lawful reason, without notice, at any time.
To the maximum extent permitted by law, in no event shall we be liable for any damages whatsoever (whether or not we have been advised of the possibility of such damages) arising out of or in connection with the use or performance of the website or any of our social media sites, including without limitation direct, special, incidental, indirect, or consequential damages of any kind or any damages resulting from: reliance on the materials presented; failure of performance, loss of use, data, or profits; computer virus or system failure; defects; errors; omissions; delays or business interruptions; or any theory of liability.
Not all banking products and services are available in all geographic areas. Your eligibility is subject to final determination by Farm Bureau Bank and/or its affiliates.
Insurance and investment products are not FDIC-insured, are not a bank deposit, not guaranteed by the bank, not insured by any federal government agency, and may lose value.
The content of this Website is not designed or intended to provide authoritative financial, accounting, investment, or other professional advice which may be reasonably relied on by its readers. If expert assistance in this area is required, the services of a qualified professional should be sought.
Reference to any specific commercial product, process, or service by trade name, trademark, manufacture, or otherwise does not constitute an endorsement, a recommendation, or a favoring by us.
We employ software security programs to monitor network traffic and to identify unauthorized attempts to upload or change information or otherwise cause damage. Such attempts are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986 [CFAA] and the National Information Infrastructure Protection Act.
This general disclaimer is in addition to, and not in lieu of, any other disclaimers found on pages, applications, or programs within this site. In addition, the terms of this disclaimer extend to us and our directors, officers, and employees.
You agree to defend, indemnify, and hold us and all of our officers, directors, owners, agents, employees, affiliates, subsidiaries, licensors, and licensees (collectively, the “Indemnified Parties”) harmless for and against any loss, damages or costs, including reasonable attorneys’ fees, resulting from any third-party claim, action, or demands resulting from your use of the Website or any Linked Sites. You also agree to indemnify us for any loss, damages, or costs, including reasonable attorneys’ fees, resulting from your use of any data gathering and extraction tools or any other action you take that imposes an unreasonable burden or load on our infrastructure.
If you believe in good faith that any material posted on the Website infringes the copyright in your work, please contact us, designated under the Digital Millennium Copyright Act [DMCA] (17 U.S.C. §512(c)(3)), with correspondence containing the following:
- A physical or electronic signature of the owner, or a person authorized to act on behalf of the owner, of the copyright that is allegedly infringed;
- Identification of the copyrighted work claimed to have been infringed;
- Identification, with information reasonably sufficient to allow its location of the material that is claimed to be infringing;
- Information reasonably sufficient to permit us to contact you;
- A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
- A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
You acknowledge that if you fail to comply with all of the requirements of this policy, your DMCA notice may not be valid. For any questions regarding this procedure, or to submit a complaint, please contact us:
Farm Bureau Bank
PO Box 33427
San Antonio, TX 78265-3427
We are excited to be a part of social media so we can communicate with you in your online communities. In order to keep our conversations on track and your personal information safe online, we have created a list of some helpful guidelines to remember. We reserve the right to remove any posting, for any reason, without notice.
Unless otherwise indicated, the views and opinions expressed on any social media site are those of the individual contributor and do not necessarily reflect our views and opinions or any of our related companies. Similarly, comments posted in connection with any blog posts or social media posts are the opinions of the individual who posted the comment, and not our opinions.
Statements contained in social media sites, which are not historical facts, including statements about plans, goals, and expectations regarding businesses and opportunities, new or existing business strategies, capital resources, and future financial results are forward-looking as contemplated by the Private Securities Litigation Reform Act of 1995 [PSLRA]. Such forward-looking statements are subject to risks and uncertainties, including, but not limited to, changes in government regulation, generally accepted accounting principles, taxation, competition, general economic conditions, and geopolitical conditions. Accordingly, actual results may differ materially from those projected or implied in the forward-looking statements.
Please keep in mind that if you post to any of our social media sites, you represent that you have the right to post the content contained in your message and have obtained any necessary permission and clearance.
- Private and Confidential Information: Please do not post personal, private, and/or confidential information applicable to you or another person or entity through social media or non-secure email. We will not be able to respond to your specific account questions through social media or non-secure email. We will never ask you to provide this type of information through Facebook, Twitter, blogs, non-secure email, or any type of public channel. To discuss concerns about your credit card, deposit, or loan account, please contact Customer Care by phone at 1.800.492.3276.
- Comments by Employees: We do not endorse any comments made by our employees, unless they are an authorized representative of us. All unofficial statements and viewpoints expressed in the comments are strictly those of the commenters alone.
- Endorsements: We are not responsible for and do not endorse any content or advertisements posted by social media sites or regarding third-party sites or applications that may appear on those social media sites.
- Affiliation: While we have a brand presence on social media sites, please note that we are not affiliated with these sites. We have no control over how third parties use the information you share on these sites. Your participation in social media is at your own risk. We also recommend that you familiarize yourself with the social media privacy policies of all social media sites before using them. We will not affiliate with sites where the age requirement is below 13 to follow the guidelines of the Children’s Online Privacy Protection Rule [COPPA]. Thus, users of our social media channels must be at least 13 years old.
- Validity of Links: Further to the section above entitled "Links to Other Parties’ Websites and Third-Party Content”, you should be aware when you click on a link on any of our social media pages, you assume the risk. You should also understand that you may be leaving the Website or leaving our social media pages when clicking on such links. You should exercise extra caution when links are posted outside of normal business hours or on third-party comments. We may occasionally post links to third-party sites when we think you will find the information helpful. However, please note that this does not in any way constitute an official endorsement of the individual, information, site, or company.
- Inappropriate Content: You may not post any content that violates or infringes the rights of any person or entity or that is considered unlawful, disparaging, discriminatory, obscene, pornographic, hateful, tortious, slanderous, libelous, or otherwise inappropriate. Please note that we may monitor the Website and our social media sites and remove inappropriate content when found.
Our failure to enforce any provision of these Terms and Conditions is not a waiver of any such provision or our rights.
If any provision of these Terms and Conditions shall be held unlawful, void, or unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.
Your access to and use of the Website and these Terms and Conditions are governed by the laws of Nevada, without regard to the conflict of laws thereof, and to the laws of the United States of America. Disputes arising from the use of the Website shall be exclusively subject to the jurisdiction of any federal or state court located in Nevada.
If you have additional questions about these Terms and Conditions, please reach out to us by calling 1.800.492.3276.
“You” means the person or entity who signs up to participate, or uses in any way, Farm Bureau Bank SMS programs. “We,” “our,” and “us” refer to Farm Bureau Bank.
“Program” means Farm Bureau Bank SMS/text messaging programs, including notifications and/or marketing communications.
“Terms” means Farm Bureau Bank SMS Terms and Conditions.
Farm Bureau Bank provides standard-rate short messaging service [SMS] (or "text") programs which provide various types of information to our Farm Bureau Bank customers and prospective customers. The Programs include notifications (such as payment alerts) on your loan, credit card, or other accounts and/or marketing alerts, including promotions, rate specials, and other offers. Whenever possible these messages will be delivered via the short code FBBank . For all questions about the Programs provided by this short code, you can send an email to [email protected].
To subscribe (or opt-in) to a specific Farm Bureau Bank SMS program or to update your subscription preferences, visit www.farmbureau.bank and log on to Manage Preferences to update your communication preferences.
To STOP or unsubscribe (or opt-out) from any or all of Farm Bureau Bank SMS programs, visit www.farmbureau.bank and update your communication preferences. Text “STOPMARKETING” to 322245 unsubscribe from all recurring marketing text messages from Farm Bureau Bank. After unsubscribing, the associated phone number will no longer receive SMS/text messages from us for the applicable program. If you would like to re-subscribe and receive SMS/text messages again, visit www.farmbureau.bank to update your communication preferences or contact us at 1.800.492.3276.
For HELP, text “HELP” to 322245. You may also call us at 1.800.492.3276.
Subscribers to Farm Bureau Bank’s SMS program(s) will receive recurring SMS/text messages from us. Message frequency varies and may depend on your communication preferences and/or product relationship with Farm Bureau Bank.
Message and data rates may apply. Contact your wireless provider for complete pricing details or if you have any questions about your text or data plan.
Carriers are not liable for delayed or undelivered messages. The Programs are available on most major wireless carriers in the US, including AT&T, Verizon Wireless, Sprint, and T-Mobile. Please note that even though a carrier is supported, short code messaging capabilities may not be enabled for all end users' plans. Contact your wireless provider for more information.
Farm Bureau Bank reserves the right, at any time, with or without cause or prior notice, to temporarily or permanently interrupt, restrict, modify, suspend, or discontinue the Program(s) or any part of the Program(s). You agree that the we shall not be liable to you or to any third party for any interruption, restriction, modification, suspension, or discontinuation of the Program(s).
Farm Bureau Bank disclaims all warranties of any kind, whether express or implied, as to the operation of the Program(s). We do not guarantee the delivery of SMS/text messages and are not responsible for any actions taken or not taken by you or any third party as a result of a message.
This Site is for general informational purposes. It is not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise. The information and services offered on this Site is provided with the understanding that LOANDEPOT-FB MORTGAGE, LLC is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site.
LOANDEPOT-FB MORTGAGE, LLC and its agents assume no responsibility for any consequences relating directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. LOANDEPOT-FB MORTGAGE, LLC strives to keep the information on this Site accurate, complete and up-to-date yet does not guarantee, represent or warrant that it is accurate, the most recent information available, nor do we guarantee that all opinions expressed or implied are accurate or reliable. The law and the application of the borrower's situation is unique to every situation, and your situation needs to be individually analyzed. LOANDEPOT-FB MORTGAGE, LLC and its suppliers cannot guarantee, and will not be responsible for, any damage or losses arising from or related to the accuracy, completeness or timeliness of the information presented or its application in your situation.
Personal and Noncommercial Use Limitation
You may access, download and print materials on this Site for your personal and non-commercial use. You may use the information to obtain the appropriate loan and the best terms for your particular situation from your preferred provider.
No Unlawful or Prohibited Use
As a condition of your use of this Site, you warrant to LOANDEPOT-FB MORTGAGE, LLC, that you will not use this Site for any purpose that is unlawful or prohibited by this Agreement. If you violate any of the terms of this Agreement, your permission to use the Site automatically terminates.
Except as set forth herein, you are not authorized to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. If and when requested by LOANDEPOT-FB MORTGAGE, LLC, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of LOANDEPOT-FB MORTGAGE, LLC, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site will be held accountable and may be subject to prosecution as determined by appropriate law enforcement agencies.
You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content contained on the Site without LOANDEPOT-FB MORTGAGE, LLC prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on our Site.
All materials on this Site, as well as visual appearance, content structure, layout and structure are owned and/or licensed by LOANDEPOT-FB MORTGAGE, LLC. No unauthorized reproduction, distribution, or transmission of the materials at this Site is permitted without the written permission of LOANDEPOT-FB MORTGAGE, LLC. All rights reserved.
THE CONTENTS OF THIS SITE, INCLUDING ITS "LOOK AND FEEL" (E.G., TEXT, GRAPHICS, IMAGES, LOGOS, AND BUTTON ICONS), EDITORIAL CONTENT, NOTICES, SOFTWARE (INCLUDING HTML-BASED COMPUTER PROGRAMS), AND OTHER MATERIAL ARE PROTECTED UNDER BOTH UNITED STATES AND FOREIGN COPYRIGHT, PATENT, TRADEMARK, AND OTHER LAWS. The contents belong to LOANDEPOT-FB MORTGAGE, LLC or to others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, supplemented, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of LOANDEPOT-FB MORTGAGE, LLC. Your right to use the Site is personal to you. You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes, the Site or use of or access to the Site or any information or technology obtained from the Site.
Links To Third Party Sites
During your use of this Site or at any time in the process, you may be led to other web sites operated by unaffiliated third parties. Inclusion of hyperlinks by LOANDEPOT-FB MORTGAGE, LLC on the Site to such third party web sites does not imply any endorsement of the material on such web sites or any association with their operators, and your access and use such sites, including information, material, products and services therein, solely at your own risk. LOANDEPOT-FB MORTGAGE, LLC is not responsible for the quality or results or any product or service provided by these companies. As with all websites and all services, you should review their products and services carefully. Never give private information to any party or website or person that you have not completely investigated and established credibility. LOANDEPOT-FB MORTGAGE, LLC is not responsible for the use of the information that you give any third parties.
You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that LOANDEPOT-FB MORTGAGE, LLC specifically disclaims any liability (whether based in contract, tort, negligence, strict liability or otherwise) for any direct, indirect, incidental, common law, statutory, regulatory, consequential, compensatory, punitive, or special damages arising out of or in any way connected with your access to or use of the Site (even if we have been advised of the possibility of such damages) including, but not limited to, any liability associated with any viruses which may infect your computer equipment. Calculators and tools on the Site provide you with ESTIMATES that may be different than actual amounts.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. LOANDEPOT-FB MORTGAGE, LLC ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY WITHOUT PRIOR NOTICE MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE INCLUDING BUT NOT LIMITED TO THE INFORMATION, SERVICES, PRODUCTS OR OTHER MATERIAL AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" AND ON AN “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL LOANDEPOT-FB MORTGAGE, LLC, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIAL AND/OR SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN LOANDEPOT-FB MORTGAGE, LLC, ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF THESE LIMITATIONS OR EXCLUSIONS ARE HELD TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THE MAXIMUM COLLECTIVE LIABILITY OF LOANDEPOT-FB MORTGAGE, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL NOT EXCEED $500.
Access: Changes To Agreement
LOANDEPOT-FB MORTGAGE, LLC reserves the right to modify or discontinue, temporarily or permanently, the Site for any reason, at its sole discretion, with or without notice to you. Likewise,
LOANDEPOT-FB MORTGAGE, LLC may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the legal terms and conditions that govern your use of the Site periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.
No Minor Use
This website is applicable to and should only be used by persons 18 years of age or older. Access and use of this website by persons under the age of 18 is prohibited.
Use within the United States
This Site is intended to be accessed by persons located within the United States of America. Access and use of this Site by persons from locations other than the United States is prohibited.
You agree to indemnify, defend and hold harmless LOANDEPOT-FB MORTGAGE, LLC, its affiliates and suppliers from any liability, loss, claim and expense (including attorney's reasonable fees) arising from or related to your violation of this Agreement.
Identity and Location Verification
To help the government fight funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also collect and consider information about you from non-credit reporting agency data providers, including, for example, information about your location and the location of your mobile devices, and publicly available information about you. You acknowledge that by clicking "Check Your Rate" and continuing with the application process, you understand and consent to LOANDEPOT-FB MORTGAGE, LLC and/or third party service provider(s) (including your mobile phone carrier) to use geolocation services to verify the location of your mobile device.