Disclosures

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Terms of Use

BEFORE USING THIS WEBSITE PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.

We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site, or any pages therein.

Illegal Use

Unauthorized use of Liberty Trust & Savings Bank’s website and systems including but not limited to unauthorized entry into our Internet banking system, internal network, misuse of passwords, or misuse of any information posted on our website is strictly prohibited.

Website Content

Any and all information, materials, product offerings, services, terms and conditions are subject to change without notice.
Not all products and services advertised on this website are available in all geographic areas. We reserve the right to determine your eligibility for any product or service.
This website is not directed to children, although we may periodically advertise special accounts that may be appropriate for children. Parents of children interested in any of our online services should contact us at one of our many office locations.

Linked 3rd Party Sites

Liberty Trust & Savings Bank maintains this website to provide you with information about our products and services. For your convenience, we may also provide links to various third parties websites that may be of interest to you. Liberty Trust & Savings Bank does not control linked third party sites. When you click on links to third party sites, you will leave our website and will be redirected to another site. Linking to other third party sites is at your own risk. The content on linked sites may change without notice.

WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE ACCURACY OF THE INFORMATION CONTAINED IN LINKED THIRD PARTY SITES.

We suggest that you always verify the information obtained from linked sites before acting upon this information. Liberty Trust & Savings Bank is not an agent for linked third parties nor do we endorse or guarantee their products and services. The products and services offered by linked third parties are not products of Liberty Trust & Savings Bank and are not insured by any governmental agency such as the FDIC.

Also, please be aware that the security and privacy policies on linked sites may be different from our policies, so please read third party privacy and security policies closely. If you have any questions or concerns about the products and services offered on linked third party sites, please contact the third party directly.

Insurance Products

We may also provide links to purchase insurance products. This financial institution, its affiliated companies, and/or other unaffiliated third parties may offer these products. Please note that insurance and annuity products available through this site:

• Are NOT deposits, obligations of, or guaranteed by Liberty Trust & Savings Bank or any of its affiliates.
• Are NOT insured by Liberty Trust & Savings Bank, the FDIC, or any other agency of the United States.
• Certain insurance products, such as annuities, may have investment risk, including the possible loss of value.
• The purchase of an insurance product is not a condition to any loan, product or service offered by Liberty Trust & Savings Bank, its affiliates, or non-affiliated third party.

Use of Information Submitted Through the Website

Any communication or material that you transmit to us through this website or through electronic mail may be used only by Liberty Trust & Savings Bank for the purposes described in our privacy policy. All information submitted to our website shall be considered and shall remain the property of Liberty Trust & Savings Bank; this information will only be used internally for the purpose intended or as allowed by law.

Liberty Trust & Savings Bank shall be free to use, for any purpose, any idea, concept, know-how or technique contained in information submitted by a visitor to us through this website and Liberty Trust & Savings Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by direct customer relationship, or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Liberty Trust & Savings Bank responsibilities and obligations to customers in accordance with our privacy policy.

If you need to communicate personal or confidential information, please do not use the email feature on this website, it is not a secure email service. Instead contact us by telephone, or you may use the secure mail feature within our Internet Banking Service.

No Warranties

Any dated information on this site is "As Of" its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information, DATED OR OTHERWISE, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS.

All information, materials AND services contained in this site, including graphics, links, AND ANY other items are provided "AS IS", “AS AVAILABLE” to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property, fitness for any particular purpose, AND FREEDOM FROM COMPUTER VIRUS.

Trademark Notices

All registered and unregistered trademarks are the sole property of their respective owners. Unauthorized reproduction in whole or part is prohibited.

Copyright Notices

Liberty Trust & Savings Bank owns copyright in the pages, screens, text, sound recordings, and images appearing at this site unless otherwise indicated.

Limitation of Liability

Liberty Trust & Savings Bank will under no circumstances be liable to you and/or any third party for any damages including without limitation direct or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if Liberty Trust & Savings Bank has been advised of the possibility of such damages.

FURTHERMORE, Liberty Trust & Savings Bank will not be liable for any difficulty in use, or for the incompatibility between this website and YOUR WEB BROWSER OR OTHER site accessing program. Nor will Liberty Trust & Savings Bank be liable for any other problems you experience due to causes beyond our control.

No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and Liberty Trust & Savings Bank.

Governing Law

This agreement shall be governed by and construed in accordance with federal statutes and the laws of Iowa.

This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Additional Terms

Certain services or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those services or pages.

Date Last Modified: May 17, 2021

Internet Privacy Policy

Online Privacy Practices: Liberty Trust & Savings Bank

We gather information online that helps us protect you; maintain the security of our website, and to provide the online services that you request. We do this through the use of cookies and the information that you submit to us online.

Types of Information Collected

• Information that we receive from online applications, forms, or emails.
• Transaction information that you submit through our online banking service.
• The Internet address (referral site) which brought you to our web site.
• The name and version of your web browser.
• Your Internet Protocol (IP) address, the date and time you access our web site.
• Pages visited on our website and the duration of your online session.

Reasons We Collect This Information

For our everyday business purposes -

• such as to process your transactions, maintain your accounts, and respond to your online requests.

For security purposes -

• such as to maintain a secure session, authenticate your computer, verify transactions, and detect fraudulent transactions.

For site management -

• to improve the site navigation, resolve performance issues, tailor the content that we display to you online.

Sharing of Online Information

Online Information may be shared with our service providers for processing your requests and for everyday business purposes as further described in our Privacy Policy.

Protection of Online Information

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

External 3rd Party Links

• Our website may include links to other 3rd party web sites. These links to external 3rd parties are offered as a courtesy and a convenience to our customers.
• When you visit these sites, you will leave our website and will be redirected to another site. This Institution does not control linked 3rd party web sites.
• We are not an agent for these third parties nor do we endorse or guarantee their products.
• We make no representation or warranty regarding the accuracy of the information contained in linked sites. We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely.
• This privacy policy applies solely to the Customer Information collected by this Institution.

Third Party Cookies

• Our Service Providers may use cookies to collect some the above information. In some cases you must accept cookies in order to view our website or perform online banking transactions. These cookies do not store any personally identifiable information; they simply provide another level of security and help us analyze website activity.
• When you click on advertisements in our website or advertisements on linked 3rd party web sites, you may receive another cookie; however, you do not have to accept any cookies from third party advertisements.

Email Policies

• When you enroll for our online services, we will send you a welcome email. We may also send emails marketing various products and services offered by this Institution. We will always provide you an opportunity to opt-in or opt-out of marketing related emails.
• We will also send security related email notices when you sign-up for “notify me” alerts on your account(s) or whenever you change your passcode, security question, or email address.
• If you agree to accept electronic disclosures and/or online account statements, we may also send you notices of important account updates through email. For example, we may send you an email with updates to this privacy policy and/or we may send you a notice that you have an important message within online banking. For more information on how to enroll for electronic disclosures, please contact us at (563) 785-4441.
• We will never send you an email asking for personal information such as your account number, ATM card number, PIN number, social security number, or login information.

Privacy of Children

• We do not knowingly collect names, emails addresses, or any other personally identifiable information from children.
• We do not knowingly market to children, nor do we allow children under 13 to open online accounts.

Questions

If you have any questions about our privacy policy or concerns about our privacy practices, please contact us at (563) 785-4441.

Privacy Policy

Rev. Feb 2014