Germantown Trust & Savings Bank Website Terms & Conditions
The Terms and Conditions were last updated on July 14, 2025
PLEASE READ THESE TERMS OF USE CAREFULLY, AS YOUR USE OF THIS SITE, ITS SERVICES AND ANY OTHER Germantown Trust & Savings Bank SERVICES CONSTITUTES ACCEPTANCE OF THESE TERMS OF USE AND THE PRIVACY POLICY POSTED ON THIS SITE WHOSE TERMS AND CONDITIONS ARE INCORPORATED HEREIN AS THOUGH FULLY SET FORTH BY REFERENCE. BY ACCESSING OR USING ANY PART OF THIS WEBSITE OR THESE SERVICES, YOU ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, THESE TERMS OF USE. IF YOU DO NOT AGREE WITH ALL OF THE TERMS OF USE SET FORTH BELOW, YOU MAY NOT USE ANY PORTION OF THIS WEB SITE OR THESE SERVICES.
Germantown Trust & Savings Bank may, in its sole discretion, modify or revise these Terms of Use at any time by updating this web page. You are bound by any such modification or revision and should, therefore, visit this page periodically to review the terms. All references, protections, benefits, and limitations of liability set forth in these Terms of Use and applicable to Germantown Trust & Savings Bank apply equally to the Germantown Trust & Savings Bank owner, President, Board Members, and employees.
1. Introduction
These Terms and conditions apply to this website and to the transactions related to our products and services. You may be bound by additional contracts related to your relationship with us or any products or services that you receive from us. If any provisions of the additional contracts conflict with any provisions of these Terms, the provisions of these additional contracts will control and prevail.
2. Binding
By registering with, accessing, or otherwise using this website, you hereby agree to be bound by these Terms and conditions set forth below. The mere use of this website implies the knowledge and acceptance of these Terms and conditions. In some particular cases, we can also ask you to explicitly agree.
3. Intellectual property
We or our licensors own and control all of the copyright and other intellectual property rights in the website and the data, information, and other resources displayed by or accessible within the website.
3.1 All the rights are reserved
Unless specific content dictates otherwise, you are not granted a license or any other right under Copyright, Trademark, Patent, or other Intellectual Property Rights. This means that you will not use, copy, reproduce, perform, display, distribute, embed into any electronic medium, alter, reverse engineer, decompile, transfer, download, transmit, monetize, sell, market, or commercialize any resources on this website in any form, without our prior written permission, except and only insofar as otherwise stipulated in regulations of mandatory law (such as the right to quote).
4. Third-party property
Our website may include hyperlinks or other references to other party’s websites. We do not monitor or review the content of other party’s websites which are linked to from this website. Products or services offered by other websites shall be subject to the applicable Terms and Conditions of those third parties. Opinions expressed or material appearing on those websites are not necessarily shared or endorsed by us.
We will not be responsible for any privacy practices or content of these sites. You bear all risks associated with the use of these websites and any related third-party services. We will not accept any responsibility for any loss or damage in whatever manner, however caused, resulting from your disclosure to third parties of personal information.
5. Acceptable & Responsible Use
By visiting our website, you agree to use it only for the purposes intended and as permitted by these Terms, any additional contracts with us, and applicable laws, regulations, and generally accepted online practices and industry guidelines. You must not use our website or services to use, publish or distribute any material which consists of (or is linked to) malicious computer software; use data collected from our website for any direct marketing activity, or conduct any systematic or automated data collection activities on or in relation to our website.
Engaging in any activity that causes, or may cause, damage to the website or that interferes with the performance, availability, or accessibility of the website is strictly prohibited.
6. Idea submission
Do not submit any ideas, inventions, works of authorship, or other information that can be considered your own intellectual property that you would like to present to us unless we have first signed an agreement regarding the intellectual property or a non-disclosure agreement. If you disclose it to us absent such written agreement, you grant to us a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, store, adapt, publish, translate and distribute your content in any existing or future media.
7. Termination of use
We may, in our sole discretion, at any time modify or discontinue access to, temporarily or permanently, the website or any Service thereon. You agree that we will not be liable to you or any third party for any such modification, suspension or discontinuance of your access to, or use of, the website or any content that you may have shared on the website. You will not be entitled to any compensation or other payment, even if certain features, settings, and/or any Content you have contributed or have come to rely on, are permanently lost. You must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.
8. Warranties and liability
Nothing in this section will limit or exclude any warranty implied by law that it would be unlawful to limit or to exclude. This website and all content on the website are provided on an “as is” and “as available” basis and may include inaccuracies or typographical errors. We expressly disclaim all warranties of any kind, whether express or implied, as to the availability, accuracy, or completeness of the Content. We make no warranty that:
- this website or our content will meet your requirements;
- this website will be available on an uninterrupted, timely, secure, or error-free basis.
The following provisions of this section will apply to the maximum extent permitted by applicable law and will not limit or exclude our liability in respect of any matter which it would be unlawful or illegal for us to limit or to exclude our liability. In no event will we be liable for any direct or indirect damages (including any damages for loss of profits or revenue, loss or corruption of data, software or database, or loss of or harm to property or data) incurred by you or any third party, arising from your access to, or use of, our website.
Except to the extent any additional contract expressly states otherwise, our maximum liability to you for all damages arising out of or related to the website or any products and services marketed or sold through the website, regardless of the form of legal action that imposes liability (whether in contract, equity, negligence, intended conduct, tort or otherwise) will be limited to the total price that you paid to us to purchase such products or services or use the website. Such limit will apply in the aggregate to all of your claims, actions and causes of action of every kind and nature.
9. Privacy
To access our website and/or services, you may be required to provide certain information about yourself as part of the registration process. You agree that any information you provide will always be accurate, correct, and up to date.
We have developed a policy to address any privacy concerns you may have. For more information, please see our Privacy Statement and our Cookie Policy.
10. Accessibility
We are committed to making the content we provide accessible to individuals with disabilities. If you have a disability and are unable to access any portion of our website due to your disability, we ask you to give us a notice including a detailed description of the issue you encountered. If the issue is readily identifiable and resolvable in accordance with industry-standard information technology tools and techniques we will promptly resolve it.
11. Security
Our Services have security measures in place to help protect against the loss, misuse, and alteration of the Data under our control. When our Site is accessed, SSL technology protects information using both server authentication and data encryption to help ensure that the Data is safe, secure, and available only to you. Germantown Trust & Savings Bank also implements an advanced security method based on dynamic data and encoded session identifications, and hosts the Site in a secure server environment that uses a firewall and other advanced technology to prevent interference or access from outside intruders. Finally, Germantown Trust & Savings Bank maintains a full activity log of all administrator actions each time a website administrator logs on. These safeguards help prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of Data.
12. Export restrictions / Legal compliance
Access to the website from territories or countries where the Content or purchase of the products or Services sold on the website is illegal is prohibited. You may not use this website in violation of export laws and regulations of United States.
13. Assignment
You may not assign, transfer or sub-contract any of your rights and/or obligations under these Terms and conditions, in whole or in part, to any third party without our prior written consent. Any purported assignment in violation of this Section will be null and void.
14. Breaches of these Terms and conditions
Without prejudice to our other rights under these Terms and Conditions, if you breach these Terms and Conditions in any way, we may take such action as we deem appropriate to deal with the breach, including temporarily or permanently suspending your access to the website, contacting your internet service provider to request that they block your access to the website, and/or commence legal action against you.
15. Force majeure
Except for obligations to pay money hereunder, no delay, failure or omission by either party to carry out or observe any of its obligations hereunder will be deemed to be a breach of these Terms and conditions if and for as long as such delay, failure or omission arises from any cause beyond the reasonable control of that party.
16. Indemnification
You agree to indemnify, defend and hold us harmless, from and against any and all claims, liabilities, damages, losses and expenses, relating to your violation of these Terms and conditions, and applicable laws, including intellectual property rights and privacy rights. You will promptly reimburse us for our damages, losses, costs and expenses relating to or arising out of such claims.
17. Waiver
Failure to enforce any of the provisions set out in these Terms and Conditions and any Agreement, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Agreement or any part thereof, or the right thereafter to enforce each and every provision.
18. Language
These Terms and Conditions will be interpreted and construed exclusively in English. All notices and correspondence will be written exclusively in that language.
19. Entire agreement
These Terms and Conditions, together with our privacy statement and cookie policy, constitute the entire agreement between you and Germantown Trust & Savings Bank in relation to your use of this website.
20. Updating of these Terms and conditions
We may update these Terms and Conditions from time to time. It is your obligation to periodically check these Terms and Conditions for changes or updates. The date provided at the beginning of these Terms and Conditions is the latest revision date. Changes to these Terms and Conditions will become effective upon such changes being posted to this website. Your continued use of this website following the posting of changes or updates will be considered notice of your acceptance to abide by and be bound by these Terms and Conditions.
21. Choice of Law and Jurisdiction
These Terms and Conditions shall be governed by the laws of United States. Any disputes relating to these Terms and Conditions shall be subject to the jurisdiction of the courts of United States. If any part or provision of these Terms and Conditions is found by a court or other authority to be invalid and/or unenforceable under applicable law, such part or provision will be modified, deleted and/or enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions. The other provisions will not be affected.
22. Contact information
This website is owned and operated by Germantown Trust & Savings Bank.
You may contact us regarding these Terms and Conditions by telephone, on the contact number published on our website.
23. Online Banking
This service allows GTSB customers to access information and initiate transactions from their GTSB accounts. Such services include but are not limited to the following: View account information for checking, savings, certificate of deposit, and loan accounts. Transfer funds between linked GTSB accounts. Modify/Cancel transfers scheduled in advance. Report account problems, request information, or order changes to account information or services via a secured communication channel.
Once enrolled in GTSBIB, you have the option to upgrade to GTSB Online Bill Pay. Online Bill Pay allows you to pay any third party from the comforts of your home. Simply complete the Bill Pay enrollment form found on the GTSBIB login screen and return it to the bank. Once enrolled, GTSB Bill Pay can be accessed through the “Bill Pay” link on the GTSBIB home screen.
By directing GTSBIB to transfer funds or initiate a payment, you authorize GTSB to withdraw from the designated account the amount of funds required to complete the assigned transaction. You regard instructions to change existing account information or services, and other communication received via GTSBIB as legal endorsements. As such, all correspondence initiated via GTSBIB shall command the legal authority of a written request authorized by your signature.
Electronic mail outside of GTSBIB service should be addressed to mail to: customer@gtsb.com. Please note, however, that messages sent via your personal e-mail outside of GTSBIB service may be intercepted by third parties and are not protected by GTSB. Personal e-mail should not be used to communicate sensitive account information.
The same encryption process used to secure your account information secures messages sent via GTSBIB. The Bank Mail feature provided by GTSBIB may be used to transmit confidential account information to GTSB.
GTSB is responsible for making reasonable efforts to fulfill only those account requests actually received via GTSBIB. GTSB may not be held accountable for any loss resulting from the delay or failure to transmit a message via GTSB arising from user error, malfunction of equipment, natural impediments, and/or inaccurate or incomplete information.
PRIVACY NOTICE
Germantown Trust & Savings Bank recognizes and respects your concerns about the privacy and security of your personal information when transacting business with us in various on-line and off-line ways. We do not sell customer information. We share information only in the very limited ways shown in this notice. We are committed to taking every reasonable precaution to protect and safeguard your privacy. All transactions conducted via the Internet, and all personal information exchanged via the Internet are processed in a secure (encrypted) environment. GTSB uses cookies only to help identify authorized users. Cookies are not used by the bank in any other way, and are not shared with non-affiliated vendors, except as necessary to help identify authorized users.
Information That We May Collect
The categories of non-public personal information that we collect are from the following sources:
Information we receive from you on applications for our products and services;
Information from your transactions processed with us or others;
Information from third parties such as credit bureaus.
Information That We May Disclose
We do not share our customers` non-public personal information with non-affiliated third parties except as permitted or required by law. For example, we may disclose non-public personal information about you to third parties to assist us in servicing your accounts, exchange information with credit bureaus, and to comply with government orders and regulations.
If you decide to close your account, we will continue to adhere to the information sharing practices as described in this notice.
Confidentiality and Security
All of our operational and data processing systems are in a secure environment that protects your account information from illegally being accessed. Also, employee access to nonpublic personal information is limited to those with a business reason to know such information. All employees are educated and responsible for maintaining the confidentiality of customer information and those who violate these principles are subject to disciplinary measures.
Keeping your account information accurate and updated is very important. Please notify us immediately of any changes. If you ever find that your account information is incorrect, incomplete, inaccurate or not current please call or write us at the telephone number or address listed on your account statement. We will correct any erroneous information as quickly as possible. Germantown Trust & Savings Bank appreciates your business and will continue to protect the trust you have placed in us.
GENERAL DISCLAIMER
Germantown Trust & Savings Bank (GTSB) hereby disclaims any warranties, endorsement or representations, express or implied, related to any product, service, advertisement or other information contained herein. This includes any content contained, distributed, linked or downloaded from the site. Any products or services from this site are to be used at your own risk, with no obligations or liabilities by GTSB. Any exceptions to this general disclaimer would be outlined within any applicable agreement. GTSB also does not guarantee the quality of any product or displayed materials that are purchased or used by you as a result of an advertisement to which you respond. It will be within the sole discretion of GTSB to correct any errors or to omit any portion of the services, products or materials contained herein.
BY CONTINUING TO USE THIS SERVICE, YOU ARE INDICATING THAT YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT. PLEASE READ THIS AGREEMENT BEFORE USING THE SERVICE.