Farmers & Merchants State Bank Website Terms of Use

Effective 12/1/2021

PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS WEBSITE OR USING THE SERVICES, 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.

This website and any Farmers & Merchants State Bank website, mobile site or mobile application (“Site” or “Sites”) is owned and controlled by Farmers & Merchants State Bank, its parent Farmers & Merchants Bancorp, Inc. and their subsidiaries and affiliates (collectively described as “F&M” “we” or “us”). This Site provides information regarding the products and services offered by F&M and its banking and non-banking affiliates, as well as the ability to open eligible accounts. The Terms of Use describe the terms and conditions that govern your use of the Site, including services made a part of the Site or available through the Site and any of its web pages and/or mobile applications. “You” and “your” refer to any person who accesses or uses the Site or services. By accessing the Site, you agree to be bound by these Terms of Use.

F&M reserves the right to modify these Terms of Use at any time without notice. We will incorporate any changes into the Terms of Use posted to this Site from time to time. If you do not agree with these Terms of Use, please do not access this Site. F&M reserves the right to modify or terminate services offered by the Site or to terminate your access to the Site at any time.

The information and materials contained within this Site are provided for informational purposes only. Except as expressly provided within the Site, the information does not constitute a contract with you or amend or alter any contract we have with you. Products and services that appear on this Site are subject to change without notice.

You acknowledge that F&M may disclose and transfer information you provide through this Site to its subsidiaries and affiliates, service providers, and to third parties if we have a duty to disclose or are compelled to disclose such information by law.

Your use of this Site is subject to the applicable privacy-related policies and notices of F&M, including the F&M Privacy Notice. To the extent permitted by applicable law, by accessing or using the Site and services, you understand and agree that F&M may collect and retain personal or other information about you or the device you use to access the Site.

You agree that all suggestions, comments and feedback that you submit to F&M at or via this Site in connection with any F&M products and services shall remain the property of F&M, and F&M shall be free to use, for any purpose, any idea, concepts, know-how, ideas for new or improved products or services or techniques contained in information you provide without restriction of any kind. F&M shall not be subject to any obligations of confidentiality regarding submitted information except as specifically agreed or required by law.

This Site may contain links to websites controlled or offered by third parties. F&M has no control over any third-party websites and is not responsible for the content on third-party websites. Users assume all responsibility when they go to a third-party site.

VI. DISCLAIMER OF WARRANTIES

Your use of this site is at your own risk. The site and any materials or products or services on or promoted through the site are provided “as is” and “as available” without warranties of any kind, either express or implied. F&M makes no express or implied warranties, representations, or endorsements whatsoever with respect to the site or any products or services promoted on the site, and all such warranties, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, are expressly disclaimed.

F&M is not responsible for any loss, damage, expense or penalty, including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

F&M reserves the right to change, modify, add or remove any portion of these Terms of Use in whole or in part, at any time, by posting the amended terms on the Site. Your continued use of the Site after any changes to these Terms of Use are posted will be considered acceptance of those changes.

This agreement and the use of this website are governed by the laws of the State of Ohio.