TERMS & CONDITIONS

By accessing this Website, you accept these Terms and Conditions. If you do not accept these Terms and Conditions, please do not access the Website. These Terms and Conditions are subject to change at any time and without notice. Continued access to the Website constitutes your acceptance of any revisions to these Terms and Conditions.

1. Effect on Other Agreements. A) For Business Online Customers, in the event that these Terms and Conditions conflict with the Business Agreement, the Business Agreement shall control; B) For Personal Online Customers, in the event that these Terms and Conditions conflict with the Consumer Agreement, the Consumer Agreement shall control; and C) Where applicable, and to the fullest extent possible, these Terms and Conditions shall be read to comply with the Business Agreement and/or the Consumer Agreement.
2. Misuse. Misuse of the Website is strictly prohibited.
3. Informational Purposes. The Website is offered for informational purposes only. Though Peoples Bank believes that all information contained on the Website is reliable, the Bank makes no warranty as to its completeness, timeliness or accuracy.
4. Disclaimers. The Website is provided on an "as is" and "as available" basis. Peoples Bank disclaims all warranties and representations of any kind with regard to the Website. Peoples Bank specifically disclaims any implied warranties of merchantability, non-infringement of third party rights, freedom from viruses or other harmful code, and/or fitness for any particular purpose.
5. Limitation of Liability. Peoples Bank will not be liable for any delay, difficulty in use, inaccuracy of information, computer viruses, malicious code or other defect in the Website, or for the incompatibility between the Website and Your Computer System. Peoples Bank will not be liable for any losses arising out of any use or non-use of the Website or any portion thereof, or circumstances beyond its control, including, but not limited to direct, indirect, incidental, punitive, and consequential damages, regardless of whether Peoples Bank was made aware of the likelihood of such damages occurring.
6. No License. No license is offered or implied in these Terms and Conditions, nor from use of the Website.
7. Proprietary Information. The Website is the property of Peoples Bank. You may not copy, display, distribute, republish, or create derivative works from the Website in any form.
8. Tracking Cookies. Peoples Bank may use Tracking Cookies to monitor, track and/or record your use of the Website. The Tracking Cookies used by Peoples Bank do not identify particular individuals, but they may identify particular devices. The Tracking Cookies may monitor trends and behaviors such as navigation within the website, and visits to the website from third-party sites. They may also retain historical responses to Peoples Bank's online advertisements, and subsequent activities on the website. This information may also be used for remarketing purposes, to display Peoples Bank's advertisements on selected third-party sites that you may visit subsequent to visiting the website. Any information that Peoples Bank may collect through the use of Tracking Cookies is Non-Personal Information. By using the website, you expressly consent to the foregoing. You may block Tracking Cookies by changing the browser settings on your computer system. You may also utilize software specifically designed to block Tracking Cookies. However, by blocking Tracking Cookies, you may prevent or otherwise impact your ability to access some or all of the website. You may also opt-out of our remarketing efforts through the following link: www.aboutads.info/choices/#completed. Please note that by opting out of our remarketing efforts, you may still receive our generic advertising.
9. Governing Law. Use of the Website and these Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Indiana.
10. Jurisdiction and Venue. If any claim or dispute arises under these Terms and Conditions, the exclusive jurisdiction and venue shall be Lake County, Indiana. You consent to said jurisdiction and venue, and agree to accept service of process issued by such courts.
11. Severability. If any provision of these Terms and Conditions are found to be unlawful, void or unenforceable, the remaining provisions shall remain valid and in full force and effect.
12. Privacy. Peoples Bank believes in protecting the privacy and confidentiality of your personal information. Review the Bank's Privacy Policy.

As used in the Terms and Conditions above, these terms shall have the following meanings: 

1. Business Agreement means the Peoples Bank Business Online Banking Agreement and Disclosure.
2. Business Online Customer means the "Authorized user" as used in the Business Agreement.
3. Computer System means any electronic device, including, but not limited to a computer, smart phone, tablet or otherwise, that enables access to the Website (as defined herein).
4. Consumer Agreement means the Peoples Bank Business Online Banking Agreement and Disclosure.
5. Tracking Cookie means an information-collecting electronic file sent from a web server that may be stored on the computer hard drive of anyone who uses or otherwise accesses the Website.
6. Personal Information means nonpublic personal information, as defined in 15 U.S.C. § 6809; 16 CFR 313.3(n).
7. Non-Personal Information means any information that is not Personal Information.
8. Peoples Bank/Bank means Peoples Bank, an Indiana State Bank.
9. Personal Online Customer means the "Authorized user" as used in the Consumer Agreement.
10. Terms and Conditions means this document in its entirety.
11. Misuse includes, but is not limited to A) Unauthorized access to the Website with someone else's passwords and/or personal information; B) Intentionally providing false information when registering or applying for products or services; C) Creating a hyperlink or similar link or connection to this Website without Peoples Bank's express written consent; or D) Using Peoples Bank's name or trademarks in any way that implies affiliation with, or an endorsement, sponsorship or approval by Peoples Bank, without express written consent.
12. Website includes the website located at www.ibankpeoples.com and all information included therein.
13. You/Your means anyone who uses or otherwise accesses the Website.

The Peoples Bank Alerts & Promos mobile message service (the "Service") is operated by Peoples Bank. (“Peoples Bank”, “we”, or “us”). Your use of the Service constitutes your agreement to these terms and conditions (“Mobile Terms”). We may modify or cancel the Service or any of its features without notice. To the extent permitted by applicable law, we may also modify these Mobile Terms at any time and your continued use of the Service following the effective date of any such changes shall constitute your acceptance of such changes. These terms do not apply to routine servicing messages you might receive about your account or any other service for which you have independently opted in.  

By consenting to Peoples Bank’s SMS/text messaging service, you agree to receive recurring SMS/text messages from and on behalf of Peoples Bank through your wireless provider to the mobile number you provided, even if your number is registered on any state or federal Do Not Call list. Text messages may be sent using an automatic telephone dialing system or other technology. Message types may include account-related alerts, informational updates, and promotional content such as marketing offers.  

By signing this agreement, you authorize Peoples Bank to send you such messages using automated systems. You are not required to consent to receive text messages in order to bank with Peoples Bank or purchase any product or service. Consent will apply only to the specific category of messages (e.g., alerts, marketing) you opt into. This agreement may be signed electronically in accordance with applicable law. 

We maintain records of your consent to receive messages, as required by federal and state regulations. 

You understand that you do not have to sign up for this program in order to make any purchases, and your consent is not a condition of any purchase with Peoples Bank. Your participation in this program is completely voluntary. 

We do not charge for the Service, but you are responsible for all charges and fees associated with text messaging imposed by your wireless provider. Message frequency varies. Message and data rates may apply. Check your mobile plan and contact your wireless provider for details. You are solely responsible for all charges related to SMS/text messages, including charges from your wireless provider.  

Supported Carriers and Availability:  

Supported carriers include, but are not limited to: AT&T, T-Mobile, Verizon Wireless, Sprint, MetroPCS, Boost Mobile, U.S. Cellular, and Cricket.  

Additional carriers may be added at any time. Please note that this Service may not be available on all wireless carriers or devices. Peoples Bank is not responsible for any delays in or failure to receive messages due to carrier issues or device limitations.   

You may opt-out of the Service at any time. Text the single keyword command STOP to 52313. You'll receive a one-time opt-out confirmation text message. No further messages will be sent to your mobile device, unless initiated by you. If you have subscribed to other Peoples Bank mobile message programs and wish to cancel, except where applicable law requires otherwise, you will need to opt out separately from those programs by following the instructions provided in their respective mobile terms. For Service support or assistance, text HELP to 52313 or email support@ibankpeoples.com.   

Message Source Verification:  

To help protect you from fraud, Peoples Bank will only send SMS/text messages from the following short codes:  

52313

Please do not respond to or act on messages that claim to be from Peoples Bank but are sent from any other number. If you receive a suspicious message, contact support@ibankpeoples.com or call 866-301-8660.  

We may change any short code or telephone number we use to operate the Service at any time and will notify you of these changes. You acknowledge that any messages, including any STOP or HELP requests, you send to a short code or telephone number we have changed may not be received and we will not be responsible for honoring requests made in such messages.   

The wireless carriers supported by the Service are not liable for delayed or undelivered messages. You agree to provide us with a valid mobile number. If you get a new mobile number, you will need to sign up for the program with your new number.  

To the extent permitted by applicable law, you agree that we will not be liable for failed, delayed, or misdirected delivery of any information sent through the Service, any errors in such information, and/or any action you may or may not take in reliance on the information or Service.  

Privacy and Compliance 

We respect your right to privacy. To learn more about how we collect, use, and safeguard your personal information, please review Peoples Bank’s Privacy Policy, which can be found here: Privacy Policy - Peoples Bank. 

If you believe you have received a text message in error, or wish to file a complaint, you may contact the appropriate state consumer protection authority listed as follows: 

• Indiana Residents: File a complaint using the Indiana Attorney General Text Message Complaint Form. 

• Illinois Residents: File a complaint using the Illinois Department of Financial and Professional Regulation (IDFPR) SES system at Division of Banking File a Complaint.  

Please note: This text messaging program may be subject to periodic audits or reviews by federal or state regulatory agencies such as the FDIC, DFI, OCC, or CFPB. By participating in this program, you acknowledge that your interactions may be included in such regulatory examinations for compliance purposes.