Terms & Conditions

THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES, YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

Date Published: September 23, 2024

This website has been established by QNB Bank (“the Bank”, “Bank”, “QNB”) to convey information about the Bank’s products and services and to allow communication between the Bank and its customers and visitors. It also provides access to QNB systems (i.e., Online Banking), applications to open products, request account services, or request information about products and services (collectively, the “Website” or “Site”). Nothing contained on any page on this Site takes the place of the Bank’s agreements and disclosures that govern its products and services. If any information on the QNB website conflicts with the Bank’s agreements and disclosures, the agreements and disclosures will control.

Links to Other Websites

From time to time, the Bank may place links to external, non-affiliated, third-party websites on the Website pages. The Bank has no control over any external, non-affiliated, third-party website and is not responsible for the content on any other site. If you choose to follow these links, sites not affiliated with, or controlled by QNB, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Site. QNB does not guarantee and is not responsible for the privacy or security of these sites, including their information's accuracy, completeness, or reliability. Users assume all responsibility when they go to other non-affiliated, third-party websites via the links provided.

Ownership

The information and materials on this Website are owned by the Bank or others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

Usage Rules

(i) Accounts

You certify that the information you provide on the Site is accurate and complete. You will be responsible for the confidentiality of your username and password and for all statements made and acts or omissions that occur on your account. If you believe someone has used your password or account without your authorization, you must notify QNB immediately. We may also change, restrict access to, suspend, or discontinue the Site, or any portion of the Site, at any time without notice.

(ii) Prohibitions

You are prohibited from:

  • Violating or attempting to violate the security of the Site;
  • Altering or attempting to alter, destroy or upload any content on the Site;
  • Using any device, software, or routine to interfere or attempt to interfere with the proper working of the Site;
  • Using or attempting to use any engine, software, tool, agent or other device or mechanism (except the search mechanisms provided by QNB or other third party commercially available web browsers) to navigate or search the Site;
  • Impersonating any other person while using the Site;
  • Using the Site to violate any local, state, federal or international laws;
  • Using the Site to violate any third-party right, including any intellectual property or privacy right;
  • Using the Site to stalk, harass or harm another individual;
  • Using the Site to collect or store personal data about other users without their consent;
  • Modifying, making derivative works of, disassembling, reverse compiling or reverse engineering any part of the Site or accessing the Site in order to build a similar or competitive site or service;
  • Introducing software or automated agents or scripts to the Site so as to produce multiple accounts or to strip, scrape, or mine data from the Site;
  • Sending unsolicited or unauthorized email, including promotions and/or advertising without QNB’s express prior written approval;
  • Using any high volume, automated, or electronic means, including, without limitation, robots, spiders, scripts or other automatic device, to access the Site or monitor or copy Site pages or the content contained thereon (other than the normal activities of commercially available search engines); or
  • Framing Service pages, placing pop-up windows over its pages, or otherwise affecting the display of its pages without QNB’s express prior written consent.

Disclaimer of Warranties

The Bank makes no warranties of any kind regarding the products and services advertised on this Site. The Bank will act in good faith and use reasonable efforts to ensure that all information displayed is accurate. THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED “AS IS” AND AS AVAILABLE WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SUITABILITY OR SATISFACTORY QUALITY, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OR CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.

YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICE MAY BE DELAYED, INTERRUPTED, OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING, BUT NOT LIMITED TO, ANY INTERRUPTION, DISRUPTION, OR FAILURE IN THE PROVISION OF THE SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS OR OTHER REASONS.

Limitation of Liability

TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY, WILL THE BANK OR ITS AFFILIATES OR SERVICE PROVIDERS BE RESPONSIBLE FOR ANY LOSS, DAMAGE, EXPENSE, OR PENALTY (EITHER IN TORT, CONTRACT, OR OTHERWISE) OF ANY KIND, 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.

Applications

The Website contains links to apply to open QNB products and services. Completing an application does not constitute approval. Applications executed by customers and prospects via the Bank site are subject to approval in accordance with QNB’s underwriting standards.

Personal Information We Collect Online. What and how do we collect personal information online?

We reserve the right to collect personal information about you through your use of your computer, laptop, mobile device, or tablet by the use of cookies and similar tracking technologies.

Types of personal information we collect online:

The type of personal information we collect from and about you online will depend on how you interact with us and may include:

  1. Contact Information such as name, Physical address, mailing address, email address(s), phone, and mobile number(s).
  2. Account Application information such as credit and income information.
  3. Identifiers such as Social Security number, account number(s), driver's license number, passport, state issues ID, or other information that verifies your identity.
  4. Access Authorization, such as Username, PIN, password, and security questions and answers.
  5. Documents or images submitted via our Site, Site-embedded Application Portals, or Mobile Apps to support account opening or loan underwriting, such as tax documentation, pay/employment information, statements, and voided checks.
  6. Information from your computer and mobile devices where allowed by individual browsers and/or operating systems, such as:
    • Internet Protocol (IP) addresses and unique device identifiers (UID) i.e., the media access control address MAC address, which is uniquely assigned to each individual hardware network interface device produced by the manufacturer of the devices.
    • Browser type/version

For more information on use and disclosure of personal information, please refer to our Online Privacy Policy.

Security and Encryption

Keeping your information secure is our priority. To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. Whenever you access webpages requesting or presenting sensitive financial or personal data, we will encrypt that data to prevent others from accessing it while in transit. We utilize Secure Socket Layer (SSL) encryption for this purpose. You are responsible for maintaining your hardware (i.e., computer, mobile device, laptop, or tablet) with the most current operating systems. Most browsers display a padlock icon when SSL is being used on a secure page. We require the use of 128-bit SSL encryption in order to protect sensitive information.

Indemnification

You agree to indemnify, defend, and hold Bank and its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors harmless from any and all third-party claims, liability, damages, and/or costs (including but not limited to reasonable attorneys’ fees) arising from your use of the Site or Services, (including any actions taken by a third party using your account), and your violation of these Terms.

Updates to this Notice

This Agreement Notice is subject to change and may be updated by posting the new Terms of Use on the website. All users agree to be subject to this Agreement as it changes from time to time.

Governing Law

The laws of the Commonwealth of Pennsylvania govern this Agreement and the use of this website, without giving effect to any principles of conflicts of laws.