WEBSITE TERMS AND CONDITIONS

YOU MUST READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THE SERVICES. BY REGISTERING TO USE THE SERVICES, YOU SHALL BE DEEMED TO HAVE ACCEPTED AND BE BOUND BY ALL THESE TERMS AND CONDITIONS.

This website ("Site") is owned and operated by Cowlitz Bancorporation and its wholly owned subsidiary, Cowlitz Bank ("the Bank"). The Bank maintains this Site to provide you with information about Bank products and services and to facilitate communication with the Bank, including links to other Bank Sites.

The Bank requires that all visitors to our Site adhere to the following Terms and Conditions. By accessing the Site you indicate your acknowledgement and acceptance of these Terms and Conditions. The Bank may, at its sole discretion, vary or modify these Terms of Conditions without notice. Any subsequent access to, or use by you of the Site will constitute an acceptance of those modifications

Unauthorized Use

Unauthorized use of the Site and systems including, but not limited to, unauthorized entry into the Bank's hosting systems, Internet Banking systems, misuse of passwords, or misuse of any information posted to the Site, is strictly prohibited. The Internet Banking section beyond the initial enrollment/information page(s) is for authorized users only and any unauthorized attempt to enter the secure Internet Banking system is prohibited by Federal law and will be prosecuted.

Products and Services

Not all of the products or services described on the Site are available in all geographic areas. You may not be eligible for all the products or services described. The Bank reserves the right to determine the eligibility for any product or service.

E-Mail Submissions or Feedback

Any communication or material you transmit to us via Internet electronic mail is on a non-confidential basis and is not encrypted. All feedback or submissions of any kind submitted to this Site become the property of the Bank, to be used or not as the Bank chooses without cost or liability.

Potential Disruption of Service

Access to the site may from time to time be unavailable, delayed, or limited due to the following:

  • Hardware failure such as computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;
  • Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
  • Overload of system capacities;
  • Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;
  • Interruption (whether partial or total) of power supplies or other utility services;
  • Strike or other stoppage (whether partial or total) of labor;
  • Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or
  • Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of the Bank

Warrants and Disclaimers

The Bank uses our best efforts to include accurate and current information on our Site, but we make no warranties or representations as to the accuracy of the information, and all information is provided on an "as-is" basis. 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 we specifically disclaim any liability (whether based on contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special use of the Site, (even if we have been advised of the possibility of such damages) including liability associated with any viruses, malicious code or other defects on this Site. You further agree the Bank will not be liable for delays or unavailability of use of the Site due to incompatibility between the Site and its files and the user's browser or other Site accessing program, or any other causes beyond the Bank’s control. No license to the user is implied in these disclaimers.

Links to other websites

Should you leave this Site via a link contained within this Site, and view content that is not provided by the Bank, including content in relation to the issue or sale of a financial product:

  • You do so at your own risk, and are no longer protected by the Bank’s privacy policy or security practices. The data collection, use and protection practices of the linked Site may differ from the practices of the Bank’s Site. We encourage you to read the third party website’s privacy and security statement.
  • The content to which you link will not have been produced, checked for accuracy, or otherwise reviewed by the Bank. The Bank is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such Site, whether actual, alleged, consequential or otherwise. The Bank makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party; and
  • Links to other websites are provided for convenience only and do not represent any endorsement by the Bank of the products or services offered by the website owner;

Some ways to tell that you have left the Bank's Site:

The linked website is shown in a new browser window, and:

  • The appearance of the linked Site is significantly different from the Bank Site.
  • Instead of the Bank address, the URL of the linked website appears in the location box or address field of your browser.

The linked Site does not appear in a new browser window, but you see:

  • The logo of a different company prominently displayed.
  • The navigation tools are different from the layout of the navigation tools on the Bank Site.
  • The third party's privacy policy and terms of use statement are prominently displayed.
  • Information in the footer at the bottom of the Web page contains information about a company other than the Bank.