Acceptable use
Subject to this TOU, U.S. Bank grants you a limited, non-exclusive, non-transferable, revocable license to access the Website for lawful purposes. To ensure that the Website remains secure, reliable and beneficial for everyone, you agree to use the Website responsibly and are expressly prohibited from conducting any of the following activities:
- Modifying, reverse engineering, decompiling, disassembling, attempting to gain access to source code, or otherwise preparing derivative works or improvements of the Website.
- Using the Website in any manner or for any purpose that infringes, misappropriates or otherwise violates any third-party rights (including intellectual property rights), or that violates any applicable law.
- Using the Website for any unlawful, harmful or fraudulent purpose, including: (i) using the Website to create or distribute malware or other malicious code, or (ii) distributing, bypassing or breaching any security device or protection used in connection with the Website.
Artificial intelligence
The Website may utilize artificial/ super intelligence (“AI”) technology which may include interaction with AI powered chatbots, automated responses, content generation, data analysis, decision making and other forms of intelligent assistance. AI generated output may not always be perfect or error-free, and we do not guarantee that the AI output is accurate or suitable for a particular purpose. We are not responsible for, and expressly disclaim all liability for, damages of any kind arising out of the use or reliance on the information provided by any AI tools that may be available within the Website.
You acknowledge that we may use any data that is input by you to further train or develop AI models or additional AI tools.
Use of AI agents and automated tools
For purposes of this TOU, an “Automated Tool” means an artificial/ super intelligence agent, chatbot, browser assistant, software application, automated script, bot or other computer program that acts autonomously or semi-autonomously on behalf of, or at the direction of, a person or entity. You may permit an Automated Tool to access the Website on your behalf only through the access methods we make available and in compliance with this TOU and any requirements for Automated Tools we may establish, which may include registering the Automated Tool with us. An Automated Tool should identify itself as an Automated Tool, clearly label the traffic it generates, truthfully respond to any request to determine whether an interaction originates from a person or an Automated Tool, and stop or limit its activity after we have instructed it, its provider, you or the person or entity on whose behalf it acts to stop or limit that activity.
We do not control and are not responsible for the privacy, security, accuracy, operation, recommendations, outputs, decisions or availability of any Automated Tool provided by a third party. You understand that information made available through your interaction with an Automated Tool may be collected, used, stored or disclosed by the provider of the Automated Tool. By instructing an Automated Tool to access the Website, you authorize us to make your account and personal information available to it, and that information becomes subject to the privacy and security policies of the entity providing the Automated Tool.
Automated Tools are provided by third parties, and we do not control or endorse any Automated Tool. Your use of an Automated Tool does not change the contractual relationship between you and us. Any transactions or activities initiated through an Automated Tool remain subject to this TOU, and all other applicable agreements, disclosures and terms governing your relationship with us.
If you authorize an Automated Tool to access your account or use your login credentials, you represent that you have the authority to grant such access and we may treat instructions, actions or transactions initiated by that Automated Tool as authorized by you, except as otherwise required by applicable law. We may require additional authentication or your direct approval before completing certain actions or transactions initiated by an Automated Tool, and our records of Automated Tool activity may be used as evidence of your authorization.
Your use of any Automated Tool is at your own risk. You are responsible for monitoring any Automated Tool acting on your behalf and for any actions, decisions, omissions or errors it makes, including those based on inaccurate/manipulated inputs or that exceed the authority you granted. To the extent permitted by applicable law, we are not responsible for losses or damages arising from your use of, reliance on or interaction with an Automated Tool.
We may, in our sole discretion, and without prior notice: change our requirements for Automated Tools, change or discontinue any access method, and limit, block, suspend or terminate an Automated Tool’s access to the Website, including by restricting certain actions or transactions. We are not responsible for any resulting impact to you or the Automated Tool; you remain responsible for its actions or omissions and for confirming whether it successfully carried out your instructions, even if we limit, block, suspend, stop or terminate its access.
You are responsible for revoking any authorization you give to an Automated Tool. If you shared your login credentials with an Automated Tool, and wish to revoke that access, you must contact us to block access until new login credentials are established. Contact us immediately if you believe an Automated Tool may act or has acted without your authorization.
Help and assistance
In addition to our online FAQs, tips and other resources, the following features are available to support you while using the Website.
Automated chat
The Website may use automated chat functionality. If you would like to speak to a customer service representative, please call us at 800-872-2657. We accept relay calls.
CoBrowse
CoBrowse allows you to share your screen with a customer service representative so that we can provide you with real-time assistance or troubleshooting of issues you may be experiencing on your device. We will only be able to CoBrowse with you in a limited capacity, and you may end your CoBrowse session at any time by clicking “End Session,” or by closing your web browser.
Tools, calculators and personal financial management software
The Website may contain financial tools, calculators and other features which are provided for educational and informational purposes only. We do not guarantee the accuracy of the tools or information provided. We are not responsible for, and expressly disclaim all liability for, damages of any kind arising out of the use or reliance on the information provided by any of these informational services.
No legal, accounting or other professional advice
Any information available on or generated using the Website is not intended to constitute and should not be considered as legal, accounting, financial or other advice of any kind. If legal, accounting, financial or other advice or assistance is needed, you should retain an independent third-party advisor.
General terms
Privacy
Data collection and use is governed by our privacy policies, which are incorporated into and a part of this TOU.
Data tracking
Unless you tell us otherwise, and as permitted by applicable law, your use of the Website constitutes your consent to the use of data tracking technology (such as cookies, pixel tags and web beacons) on our websites. If you choose to reject the use of this technology, some features may no longer function. See our privacy policies to learn more about our use of data tracking technologies.
Other agreements
This TOU is in addition to other agreements, terms of use and disclosures that apply to your account(s)/ relationship or accessing your accounts online via an authenticated digital platform. If there is a conflict between this TOU and other agreements (or terms of use) that specifically apply to authenticated online platforms, the terms of use of each such authenticated online platform will control in resolving those inconsistencies.
Links to other internet sites and third-party services
The Website may contain links to other websites, merchandise and services provided, owned or operated by third parties. These links do not imply our endorsement or approval of material on any third-party website. The linked websites are not under our control, and we are not responsible for the availability, content, products, services, advertising or other materials available on third-party websites. The privacy policies of third-party websites may provide less security than our websites, so we strongly encourage you to read the third party’s privacy policy and terms of use before sharing any information with that third party.
All matters concerning third-party websites, merchandise and services provided or operated by third parties are solely between you and the third party. We make no warranties or representations whatsoever regarding any third-party website, merchandise or service, and we are not responsible or liable to you for any damages, losses or injuries of any kind arising out of your use of any third-party website.
Intellectual property rights
All content connected with the Website is the exclusive intellectual property of us, our licensors and/or service providers, and it may be protected by copyrights and other intellectual property rights. You are permitted to use the content delivered to you through the Website only for your personal use. You may not copy, reproduce, distribute or create derivative works from this content.
The trademarks, logos and service marks displayed in connection with Website are the registered and unregistered trademarks of us, our service providers or other third parties. Under no circumstances may you use, copy, imitate, alter, modify or change these trademarks. Nothing contained on, in or otherwise connected with the Website should be construed as granting (by implication or otherwise) any license or right to use any trademark without the express written permission of us or the third party, which has rights to such trademark.
All messages, suggestions, ideas, notes, concepts, know-how, techniques, data, applications, mail and other information you may send to us through or regarding the Website shall be considered an uncompensated contribution of intellectual property to us and shall become our exclusive intellectual property. By submitting any of these materials to us, you automatically grant (or warrant that the owner of such materials has expressly granted) to us a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such materials or incorporate such materials into any form, medium or technology now known or later developed, and you warrant that all so-called “moral rights” in those materials have been waived, and you warrant that you have the right to make these warranties and transfers of rights.
DMCA notifications
If you, in good faith, believe that material found on the Website infringes your copyright, you may send a Digital Millennium Copyright Act (“DMCA”) notice to us at copyrights@usbank.com requesting that we remove or block access to the material. If you have material hosted on our Website and someone files a notice against you, you may send us a counter-notice under the DMCA. Please see the U.S. Copyright Office website for more information on DMCA notices and counter-notices.
Accessing the Website from outside the United States
The Website may not be available from all countries, and you understand that the described products and services are intended for customers located in the United States and jurisdictions in which we do business. Unless otherwise specifically indicated, the information on the Website is reflected as U.S. currency.
We do not make any representation that the Website is appropriate or available for use outside the United States or U.S. Territories. You are prohibited from accessing the Website from territories where such access is illegal. If you choose to access the Website from locations outside the United States or U.S. Territories, you do so at your own risk, and you are responsible for compliance with local laws and regulations.
Export control
You acknowledge that your use of the Website may be subject to the United States government export control laws and regulations, which may restrict or prohibit the use, export, re-export or transfer of the Website and any associated software. You agree that you will not directly or indirectly use, export, re-export or transfer the Website except in compliance with applicable U.S. export laws and regulations. Without limitation, you agree that you will not use the Website in any country that is subject to an embargo or sanction by the United States.
Intended use
The Website is intended for people that are at least 18 years old or otherwise able to lawfully enter into contracts under applicable law. Nothing on the Website is intended for persons under the age of thirteen.
Suspension or termination of services
We reserve the right to suspend or terminate your access to the Website (in part or in whole) for any reason and at any time with or without prior notice as the law requires. You agree that you will immediately stop using the Website upon our request. Reasons we may suspend or terminate your use of the Website include: violation of this TOU, violation of any applicable laws, and threats to our system, equipment, process or intellectual property.
Nothing in this TOU is intended to prohibit or otherwise restrict your right to contact regulators, leave feedback, write reviews or provide commentary on us or the Website.
Disclaimer of warranties
The Website is provided “as is” with all faults, defects, and without warranty of any kind. To the maximum extent permitted under applicable law, we on our own behalf and on behalf of our affiliates and service providers expressly disclaim all warranties, whether express, implied, statutory or otherwise, with respect to the Website including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, we provide no warranty or undertaking and make no representation of any kind that the Website will meet your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error-free or that any errors or defects can or will be corrected. No oral or written advice or information provided by us, our affiliates, agents, employees and service providers shall create a warranty, and you are not entitled to rely on any such advice or information. This disclaimer of warranties is an essential condition of this TOU.
Limitation of liability: indemnification
In no event will we be liable under any contract, tort, negligence, strict liability or other claim for any direct, indirect, incidental, special, consequential or exemplary damages, including, without limitation, damages to equipment, for loss of profits, goodwill, use, data or other intangible losses (even if advised of the possibility of such damages), whether caused by or resulting from (1) the use or the inability to use the Website; (2) errors, inaccuracies, omissions or other defects in information or content provided by, contained within, or obtained through the Website; (3) any other failure, action or omission.
You agree to indemnify, defend and hold us harmless from any and all third-party claims, actions, liability, damages and/or costs (including but not limited to reasonable attorney’s fees) arising from (1) a third-party claim, action or allegation of infringement, misuse or misappropriation related to your use of the Website; (2) your violation of any law or rights of a third party; or (3) use of the Website by any third party on your behalf. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses. You will not settle any action or claims on behalf of us without our prior written consent.
Governing law
Your use of the Website and the interpretation of this TOU is governed by all applicable Federal laws of the United States of America and the laws of the State of Minnesota (without regard to any choice of law provisions thereof).
Severability and headings
If any provision of this TOU is held to be void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity or enforceability of such provision in any other jurisdiction or the validity or enforceability of any other provision in that or any other jurisdiction.
The headings in this TOU are for convenience or reference only and do not govern the interpretation of provisions of the TOU.
Waiver
We will not be deemed to have waived any of our rights or remedies under this TOU unless our waiver is in writing and signed by our authorized officer. No delay or omission on our part in exercising any rights or remedies will operate as a waiver. A waiver on one occasion will not be construed as a bar or waiver of any rights or remedies on future occasions.
Assignment
You may not assign your obligations under this TOU to any other party, and we will not honor any such assignment. We may assign this TOU and you agree that we have the right to delegate to service providers all the rights and performance obligations that we have under this TOU, and that the service providers will be third-party beneficiaries of this TOU and will be entitled to all the rights and protections that this TOU provides us.