Terms & Conditions

Skowhegan Savings is happy to serve you online.  Your access and use of SkowheganSavings.com and its features and services means that you agree with Skowhegan Savings’ Website Terms and Conditions (these “Terms and Conditions”), as well as applicable laws, rules and regulations.

These Terms and Conditions set forth the rules that apply to your access and use of SkowheganSavings.com.  If you do not agree with these Terms and Conditions, you should not access or use SkowheganSavings.com.

Should you have any questions or concerns about SkowheganSavings.com's features, services or policies, please feel free to contact Skowhegan Savings.

Products and services on SkowheganSavings.com

Skowhegan Savings offers a wide range of products and services to satisfy and serve the needs of its customers.  The products and services described on SkowheganSavings.com may not be available in all areas.  Check with your local Skowhegan Savings branch to determine availability.  Since each customer’s personal financial situation is different, not all customers may qualify for all products or services.  Skowhegan Savings reserves the right to determine, in its sole discretion, each customer’s individual eligibility for products and services.  Investment products and services are not bank deposits and are not insured by the FDIC or Skowhegan Savings, and may be subject to substantial risk, including the loss of some or all amounts invested.

Information requested by Skowhegan Savings

Skowhegan Savings may request that you provide personally identifiable information or confidential information on SkowheganSavings.com to provide you with certain services, such as using Online Banking & Bill Pay.  If you desire to use such services, you agree to provide accurate, complete and current information requested or required by Skowhegan Savings on SkowheganSavings.com.  Skowhegan Savings will protect such information as set forth in Skowhegan Savings’ Privacy Statement.

Your access and use of SkowheganSavings.com

Remember that access and use of Skowhegan Savings.com is available only for lawful purposes and in accordance with these Terms and Conditions.

Although Skowhegan Savings strives to make SkowheganSavings.com’s online features and services available to you 24 hours a day, 7 days a week, there may be times when your access and use of SkowheganSavings.com is interrupted for any number of reasons beyond Skowhegan Savings’ control, like equipment malfunction, updating and backup requirements and system maintenance and repair.  Skowhegan Savings reserves the right to suspend or discontinue the availability of SkowheganSavings.com and/or online features and services at any time in its sole discretion.

In order to protect Skowhegan Savings and its customers, any action by you that, in Skowhegan Savings’ sole discretion, (i) violates any applicable law, rule or regulation and/or these Terms and Conditions, (ii) restricts, inhibits or prevents access and use of SkowheganSavings.com, or (iii) through the access or use of SkowheganSavings.com, defames, abuses, harasses, offends or threatens, is not permitted, and may result in the loss of your right to access and use SkowheganSavings.com.  Skowhegan Savings does not permit SkowheganSavings.com to be meta-tagged, linked to or framed without the prior written permission of Skowhegan Savings, and Skowhegan Savings may withhold such permission in its sole discretion. Unauthorized use of Skowhegan Savings’ systems, including, but not limited to unauthorized entry into Skowhegan Savings’ systems, misuse of any User ID or Password, or misuse of any information posted on SkowheganSavings.com is strictly prohibited.

Protection of Skowhegan Savings’ intellectual property rights

Many of the marks and much of the text appearing on SkowheganSavings.com are proprietary to Skowhegan Savings or its subsidiaries, and may not be used by you without the prior written permission of Skowhegan Savings.  Skowhegan Savings may withhold such permission in its sole discretion.  Skowhegan Savings makes no proprietary claim to any third-party content, names, trademarks or service marks appearing on SkowheganSavings.com.  Any third-party content, names, trademarks and service marks are property of their respective owners.

The proprietary information, data, software and content viewable on, contained in, or downloadable from SkowheganSavings.com (collectively, the “Content”), including, without limitation, all text, graphics, charts, pictures, photographs, images and line art, are copyrighted by, or otherwise licensed to, Skowhegan Savings.  Skowhegan Savings also owns a copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content (collectively, the “Collective Work”).  All software used on SkowheganSavings.com (the “Software”) is the property of Skowhegan Savings or its software vendors and is protected by U.S. and international copyright laws.

Your viewing, reading, printing, downloading or otherwise using the Content, the Collective Work and/or the Software, even with the prior written permission of Skowhegan Savings, does not entitle you to any ownership or intellectual property rights in or to the Content, the Collective Work and/or the Software.  You are solely responsible for any damage resulting from your infringement of Skowhegan Savings’ or any third party’s rights in or to the Content, the Collective Work or the Software, and/or any other harm incurred by Skowhegan Savings or its affiliates as a direct or indirect result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to these Terms and Conditions.

Skowhegan Savings makes no representations or warranties regarding SkowheganSavings.com or the Content.

SKOWHEGAN SAVINGS PROVIDES SKOWHEGANSAVINGS.COM AND THE CONTENT ON AN “AS-IS” AND “AS AVAILABLE” BASIS, AND SKOWHEGANSAVINGS.COM AND THE CONTENT ARE INTENDED ONLY TO ASSIST YOU IN MAKING FINANCIAL DECISIONS.  YOU ARE SOLELY RESPONSIBLE FOR YOUR FINANCIAL DECISIONS AND ARE ADVISED TO SEEK ADVICE FROM YOUR PROFESSIONAL ADVISORS.

SKOWHEGAN SAVINGS DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED (I) AS TO THE OPERATION OF SKOWHEGANSAVINGS.COM OR THE CONTENT, COLLECTIVE WORK, THE SOFTWARE, MATERIALS, PRODUCTS OR SERVICES INCLUDED IN OR ASSOCIATED WITH SKOWHEGANSAVINGS.COM; (II) REGARDING THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT, NOR THE NON-INFRINGEMENT, SAFETY, RELIABILITY, TIMELINESS OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT, (III) THAT THE CONTENT IS FREE FROM INFECTION OF ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT, HARVEST OR EXPROPRIATE FROM ANY SYSTEM, DATA OR PERSONAL INFORMATION; OR (IV) THAT THE CONTENT, THE UNIFORM RESOURCE RELOCATOR, DOMAIN NAME SYSTEM, OR INTERNET PROTOCOL ADDRESS ASSOCIATED WITH SKOWHEGAN SAVINGS.COM ARE FREE FROM PHISHING, PHARMING OR OTHER COMPUTER PROGRAMMING ROUTINES OR TACTICS THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT, HARVEST OR EXPROPRIATE FROM ANY SYSTEM, DATA OR PERSONAL INFORMATION.

IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF SKOWHEGANSAVINGS.COM, THE CONTENT AND THE PRODUCTS AND SERVICES ASSOCIATED WITH SKOWHEGANSAVINGS.COM. YOU EXPRESSLY AGREE THAT YOUR USE OF SKOWHEGANSAVINGS.COM AND ALL PRODUCTS AND SERVICES INCLUDED IN OR ASSOCIATED WITH SKOWHEGANSAVINGS.COM IS AT YOUR SOLE RISK.

Note: Before making any decisions or implementing any financial strategy, Skowhegan Savings recommends that you speak to a financial advisor. 

Your use of the Content and Collective Work

Skowhegan Savings encourages you to use and explore the features and services available on SkowheganSavings.com.  You may print, download or otherwise use the Content for non-commercial use in the form of (i) one (1) machine-readable copy, (ii) one (1) backup copy and (iii) one (1) print copy.   Except as otherwise permitted under the copyright laws of the United States, no other copying, distribution, redistribution, transmission, publication or use of the Content is permitted by you without the prior written consent of Skowhegan Savings, and Skowhegan Savings may withhold such permission in its sole discretion.

You may not delete any proprietary notices appearing in the Content or in the Collective Work.  You may not transfer the Content or the Collective Work to another person or entity.  You may not modify the Content or the Collective Work or utilize either for any commercial purpose or any other public display, performance, sale, or rental.  You may not decompile, reverse engineer or disassemble the Content or the Collective Work in any way.

Third party links on SkowheganSavings.com

In order to increase SkowheganSavings.com’s level of convenience for you, SkowheganSavings.com may feature links to other websites belonging to Skowhegan Savings’ business partners, affiliates and other third parties.  Such links do not constitute an endorsement by Skowhegan Savings of those websites, nor any products or services listed on those websites.  Skowhegan Savings is not responsible for any activities on those websites.

Sending information via SkowheganSavings.com

In order to maintain the integrity and functionality of SkowheganSavings.com and the confidential information of Skowhegan Savings’ customers, you are not permitted to transmit, submit or post information to SkowheganSavings.com that contains any viruses, worms, Trojan horses, trap doors, back doors, time bombs, or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept, harvest or expropriate from any system, data or personal information.

Your responsibility for equipment, software and related costs

You are responsible for obtaining and maintaining all telephone, computer hardware, Internet access services and other equipment or services needed to access and use SkowheganSavings.com (collectively, “Equipment”), and all costs and fees associated with Internet access or long distance charges incurred with regards to your access and use of SkowheganSavings.com.  For your safety, Skowhegan Savings encourages you to obtain and maintain online security protection.  Nevertheless, you acknowledge that you are responsible for obtaining and maintaining online security protection related to your Equipment, including, without limitation, fire-wall, anti-virus, spam blockers, and any other online protections available.  Skowhegan Savings is not responsible for any damage or cost you may incur as a result or in connection with your failure to obtain and maintain appropriate Equipment and online security protections.

Limitations on Skowhegan Savings’ liability

SKOWHEGAN SAVINGS SHALL IN NO EVENT BE LIABLE TO YOU, OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, PUNITIVE, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES THAT INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES FOR ANY LOSS OF PROFIT, REVENUE OR BUSINESS, AS A DIRECT OR INDIRECT RESULT OF, ARISING OUT OF OR RELATING TO: (I) YOUR BREACH OR VIOLATION OF THESE TERMS AND CONDITIONS; (II) YOUR ACCESS AND USE OF SKOWHEGAN SAVINGS.COM; (III) YOUR INABILITY TO ACCESS OR USE SKOWHEGANSAVINGS.COM FOR ANY REASON; (IV) YOUR RELIANCE UPON OR USE OF THE CONTENT AND THE COLLECTIVE WORK; AND/OR (V) ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES OBTAINED THROUGH SKOWHEGAN SAVINGS.COM, OR OTHERWISE ARISING OUT OF THE USE OF SKOWHEGAN SAVINGS.COM, WHETHER RESULTING IN WHOLE OR IN PART FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF SKOWHEGAN SAVINGS AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

PLEASE NOTE, SOME JURISDICTIONS DO NOT PERMIT SUCH LIMITATIONS ON SKOWHEGAN SAVINGS’S LIABILITY, AND ACCORDINGLY, SOME OR ALL OF YOUR RIGHTS MAY NOT BE LIMITED BY THE FOREGOING LIMITATION OF LIABILITY.

Your indemnification of Skowhegan Savings

You shall defend, indemnify and hold harmless Skowhegan Savings and its respective officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, without limitation, attorneys’ costs and fees, arising out of, or attributable to: (i) any breach or violation of these Terms and Conditions by you; (ii) your failure to provide accurate, complete and current personally identifiable information or other personal or confidential information, requested or required by Skowhegan Savings; (iii) your access or use of SkowheganSavings.com; and/or (iv) any access or use of SkowheganSavings.com under any User ID or Password that may be issued to you by Skowhegan Savings.

Changes to these Terms and Conditions

In order to adapt to change and best serve the needs of Skowhegan Savings’ customers, Skowhegan Savings reserves the right to amend these Terms and Conditions at any time, in its sole discretion and without notice.  Any changes to these Terms and Conditions will be posted here.  You are encouraged to visit these Terms and Conditions frequently in order to review any changes that have occurred.  Your continued access and use of SkowheganSavings.com following any changes to these Terms and Conditions shall automatically be deemed your acceptance of these Terms and Conditions.

Miscellaneous

If any portion of these Terms and Conditions is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, these Terms and Conditions as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of these Terms and Conditions that is unlawful, void or unenforceable shall be stricken from these Terms and Conditions.

The headings contained in these Terms and Conditions are for convenience of reference only, are not to be considered a part of these Terms and Conditions, and shall not limit or otherwise affect in any way the meaning or interpretation of these Terms and Conditions.

All covenants, agreements, representations and warranties made in these Terms and Conditions, as may be amended by Skowhegan Savings from time to time, shall survive your acceptance of these Terms and Conditions and the amendment of these Terms and Conditions.

These Terms and Conditions represent the entire understanding and agreement between you and Skowhegan Savings regarding their subject matter, and supersede all other previous agreements, understandings and/or representations regarding the same.