Legal Notice

Please read these terms and conditions carefully. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site, or any pages thereof. Copyright © The Citizens State Bank. All rights reserved. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by The Citizens State Bank unless otherwise indicated.

Trademarks

The Citizens State Bank and its logos are trademarks and service marks of The Citizens State Bank and are used and registered. We may also claim rights in certain other trademarks and service marks contained in these web pages.

Use of Information and Materials

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of our websites and systems including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Your eligibility for particular products and services is subject to final determination by us.

No Warranty

The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". We do not warrant the accuracy, adequacy or completeness of the information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of Liability

In no event will we be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site 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 or line or system failure, even if The Citizens State Bank, or representatives thereof, are advised of the possibility of such damages, losses or expenses.

Submissions

All information submitted to us via this site shall be deemed and remain the property of our bank. We shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides our bank through this site. We shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by us having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing The Citizens State Bank's responsibilities and obligations to customers in accordance with our privacy policy for consumers.

Availability

This site 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 sections or pages on this site 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 sections or pages.

Governing Law

Use of this site shall be governed by all applicable federal laws of the United States of America and the laws of the State of Georgia.