Terms of Use
PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS WEBSITE OR SERVICES (AS DEFINED BELOW) AVAILABLE THROUGH THE WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT ACCESS THIS WEBSITE AND/OR THE SERVICES.
First-Citizens Bank & Trust Company ("First Citizens Bank") is a member of FDIC and an Equal Housing Lender. First Citizens Bank provides banking services in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin. The information contained in this website is not intended as an offer or solicitation of banking services to customers in any state in which the offering, solicitation, or providing of such services is prohibited by federal law or the laws of the state of the customer's residence. Any loans made to parties outside Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin as a result of the information contained herein shall be approved in and disbursed from First Citizens Bank's branches in Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia or Wisconsin.
These Terms of Use ("Terms of Use") govern your access to and use of this website (https://www.firstcitizens.com/), including any information, graphics, videos, content, functionality, products and/or services offered on or through the website ("Services"). As used below, "you" refers to the user of this website, whether or not a customer of First Citizens Bank. "We" refers to First Citizens Bank. The website and the Services are intended for individuals who are at least 16 years old. If you are under the age of 16 years old, please do not access this website and/or the Services. First Citizens Bank may revise these Terms of Use for its website and/or the Services at any time without notice. By using this website and/or the Services you are agreeing to be bound by the then current version of these Terms of Use.
All information on this website is protected by a compilation copyright in the United States of America and in other countries. In addition, certain other information is copyrighted by others. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this website or the First Citizens Bank system.
No Warranties
THIS WEBSITE AND ITS SERVICES ARE PROVIDED "AS IS," "AS AVAILABLE," "WHERE IS" AND "WHERE AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND ALL WARRANTIES ARE DISCLAIMED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
REFERENCES TO THIRD PARTIES, THEIR SERVICES AND PRODUCTS AND ANY LINKS THERETO, ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, IN NO EVENT SHALL FIRST CITIZENS BANK BE RESPONSIBLE FOR ANY LOSS OF ANY KIND, INCLUDING, WITHOUT LIMITATIONS, LOSS ASSOCIATED WITH ANY PARTY'S USE OF THE WEBSITE AND/OR SERVICES, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUSES OR MALICIOUS CODES WHICH MAY INFECT YOUR SOFTWARE, COMPUTER SYSTEMS, OR MOBILE DEVICES, LINE SYSTEM FAILURE, PROPERTY DAMAGE, OR BODILY INJURY, RELATED TO OR CAUSED BY THE ACCESS TO OR USE OF THE WEBSITE AND/OR SERVICES. IN NO EVENT SHALL FIRST CITIZENS BANK OR ITS LICENSORS OR SERVICE PROVIDERS BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, EXEMPLARY, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, LOSS OF BUSINESS OPPORTUNITIES, LOSS OF DATA OR LOSS OF 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 WEBSITE AND/OR SERVICES.
Descriptions of, or references to, third party products, services or publications within this website do not imply endorsement or sponsorship of those products, services or publications by First Citizens Bank. First Citizens Bank makes no warranty of any kind with respect to the subject matter included in this website or for the Services. Although First Citizens Bank attempts to provide accurate information, First Citizens Bank does not guarantee the accuracy, completeness, adequacy, timeliness, sequence, reliability or content of information on or available through its website and is not responsible for actions taken in reliance on that information. First Citizens Bank may, but is not required to, update information on or available through its website.
FIRST CITIZENS BANK DOES NOT WARRANT THE WEBSITE, OR THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE. THE WEBSITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES MAY BE PERIODICALLY MADE TO THIS INFORMATION.
Indemnification
You agree to defend, indemnify and hold harmless First Citizens Bank and its subsidiaries, and their directors, officers, employees, agents, successors and assigns from any and all losses, liabilities, damages, claims and expenses, including attorneys' fees, arising out of, relating to, or resulting from your violation of these Terms of Use, or your use of the website or the Services, including, without limitations any usage, misuse or violations by your employees, contractors or agents.
Website Access
First Citizens Bank grants you only a limited, nonexclusive, revocable right to access and make non-commercial use of this website for your own personal or business purposes only. Subject to your customer agreements with us, First Citizens Bank reserves the right to deny you access to this website at any time, to change any and all parts of the website, and to remove or replace this website, in each case without notice to you. You must not modify, copy, reuse, distribute, display, download, transmit, transfer, reproduce, license, alter, create derivative works of, reverse engineer, republish or perform any part of this website except as necessary for you to view or use this website in the course of your business with us, although you may print a single copy of the web pages in this website for your own personal or business informational purposes and your computer or mobile device may cache web pages in memory under standard web browser operations. You must not use any framing, data mining, robots, linking, or similar devices in any way with respect to this website without our consent. Your use of the website, and the Services shall be reasonable and appropriate in light of the nature of the website and such Services, including, but not limited to, not causing unreasonable or disproportionately large processing load on our servers and systems, not engaging in any conduct that restricts or inhibits use of the website or Services by others and not introducing or transmitting any virus, worm, Trojan Horse or other material that may harm our servers, systems or Services. Unauthorized use of the website, Services, and misuse of passwords or information and materials provided on the website is strictly prohibited. Your unauthorized use of this website, Services or our trademarks, copyrights, or other proprietary rights, including any commercial use, automatically terminates your right to access and use this website and/or Services, without any requirement for notice and whether or not we take any action against you.
Additional Terms
Access to portions of this website may be subject to additional terms and conditions, which will control with respect to your use of the specific product or service subject to the additional terms.
Links to Other Sites and Information Provided by Outside Sources
This website may contain links to other external sites and may contain information provided by outside sources. First Citizens Bank is not responsible for materials or content on these other sites, for the conduct of the owners or operators of the other sites, or for content or materials not provided by First Citizens Bank. We provide these materials and links "AS IS," and we are not responsible for examining or evaluating the materials, links, or related products or services for reliability, accuracy, or otherwise.
Regarding any health related, legal, insurance or financial information, you should consult your health care, legal, insurance or financial provider for advice about your own situation. No information provided on the website shall be considered advice or recommendation of First Citizens Bank. First Citizens Bank does not endorse or sponsor any other sites, even if we link to the site, except as explicitly stated on this website. If you leave this website, including via a hypertext link, you are subject to the privacy practices and terms of services of the other website.
Trademarks
Trademarks on this website are the property of the trademark owner. Use of trademarks on this website does not indicate sponsorship of or by, affiliation with, or other connection to the trademark owner. Use of this website does not give you any right to use the First Citizens trademarks. First Citizens Bank reserves all rights with respect to its trademarks, and rights to use them are only granted by us under separate written agreement. FIRST CITIZENS BANK and design are registered trademarks of First Citizens BancShares, Inc. You may not use meta-tags or other hidden text containing our trademarks without our express written consent.
Feedback
You may be able to provide First Citizens Bank with suggestions, comments and feedback through the website in connection with the website and/or Services ("Feedback"). All Feedback submitted by you to First Citizens Bank shall be considered to be non-confidential information, except as otherwise agreed to in writing or required under applicable laws. First Citizens Bank shall be free to use any and all Feedback without any restrictions of any kind. You acknowledge and agree that all Feedback and all intellectual property rights therein are the exclusive property of First Citizens Bank, and you hereby assign to First Citizens Bank, all right, title and interest to any and all Feedback. First Citizens Bank may incorporate Feedback into its website and/or Services and you will gain no rights in such website or Services by virtue of having submitted such Feedback.
Privacy
Your use of the website and/or Services is subject to the applicable privacy-related policies and notices of First Citizens Bank, including the Privacy Notice.
The website and the Services are hosted in the United States and directed to residents of the United States only. If you are accessing the website and/or the Services from outside of the United States, you may be subjecting yourself to United States law, which may differ from your local laws, including, without limitations, laws related to personal data collection, use and disclosure. In your use of the website and/or the Services you may transfer certain personal information to the United States. To the extent permitted by applicable law, your use of the website and/or the Services shall constitute your consent to the transfer of personal information to the United States and the applicability of United States law.
Severability
To the extent any portion of these Terms of Use is determined to be unenforceable by a court of competent jurisdiction, the remainder of these Terms of Use shall remain valid and enforceable according to its terms.
Waiver
If First Citizens Bank waives or fails to enforce any rights, terms or conditions of these Terms of Use on any one or more occasions, whether by conduct or otherwise, its waiver or failure to enforce such terms will not prevent First Citizens Bank from enforcing any rights, terms or conditions of these Terms of Use at any other time.
Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law principles.
Contact
You may contact First Citizens Bank regarding these Terms of Use by reaching out through our Customer Care Center.
