Terms of Use

Acceptance of Terms of Use

BayVanguard Bank and its affiliates and subsidiaries (“THE BANK”) require that all visitors (“you”) to THE BANK website (www.bayvanguard.com) (“Site”) abide by the following Terms of Use (“TOU”).  By accessing and using the Site you indicate your agreement to these TOU.  IF YOU DO NOT AGREE TO THESE TOU, PLEASE DO NOT ACCESS OR USE THE SITE.  THE BANK reserves the right to modify these TOU at any time and in any manner, without prior notice.

Rights

THE BANK owns this Site and THE BANK, or its content providers, own and/or retain the rights to all content, Web pages, source code, materials, data, information, text, screens, services, design, layout, screen interfaces, “look and feel”, logo or graphic images appearing herein, and the operation of this Site (collectively, “Materials”), which are protected by various intellectual property laws, including, but not limited to, copyrights, patents, trade secrets, trademarks, and service marks.  Nothing in these TOU transfers any rights in the Materials to you or any third party and you acknowledge and agree that you do no not acquire any ownership rights by downloading or viewing any Materials.

Use Limitation

No Unlawful or Prohibited Use

As a condition of your use of the Site, you acknowledge and agree that you will not use the Site for any purpose that is unlawful or otherwise prohibited by these TOU.  You will not use the Site in any manner that could damage, disable, overburden, or impair the Site or any related service provider server, or the network(s) connected to the Site or any related service provider server, or interfere with any other party’s use and enjoyment of the Site.

Linking

A link to a linked website (“Linked Site”) on this Site does not mean that THE BANK endorses or accepts any responsibility for the content, functioning or use of such Linked Site, and you enter any such website at your own risk.  You agree that THE BANK has no control over or liability for information on Linked Sites.  You should be aware that Linked Sites may contain rules and regulations, privacy provisions, confidentiality provisions, and other provisions that are different from the provisions provided on this Site.  THE BANK is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.  COMPANY prohibits unauthorized hypertext links to this Site, or the framing of this Site.

Disclaimer of Warranties

THE SITE AND ALL OTHER INFORMATION OR SERVICES AVAILABLE ON THIS SITE, INCLUDING TEXT, IMAGES, AND LINKS, AND THE INFORMATION ON ANY LINKED SITE, WHETHER AFFILIATED OR UNAFFILIATED WITH THE BANK, WHICH YOU MAY VISIT THROUGH THIS SITE, ARE PROVIDED “AS IS,” “WHERE IS,” AND “AS AVAILABLE,” BY THE BANK, AS A CONVENIENCE TO ALL USERS WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND INCLUDING, BUT NOT LIMITED TO, ANY EXPRESS OR IMPLIED WARRANTIES (I) OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; (II) OF INFORMATIONAL CONTENT OR ACCURACY; (III) OF NON-INFRINGEMENT; (IV) OF QUIET ENJOYMENT; (V) OF TITLE; (VI) THAT THIS SITE OR ANY SERVICES WILL OPERATE ERROR FREE, OR IN AN UNINTERRUPTED FASHION; (VII) THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR (VIII) THAT THIS SITE IS COMPATIBLE WITH ANY PARTICULAR HARDWARE OR SOFTWARE PLATFORM.  EFFORTS BY THE BANK TO MODIFY THE SITE SHALL NOT BE DEEMED A WAIVER OF THESE LIMITATIONS.  THE SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS.  CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN.  THE BANK AND/OR ITS SERVICE PROVIDERS MAY MAKE CHANGES IN THE SITE AT ANY TIME AND FROM TIME TO TIME.

Limitation of Liability

THE BANK SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOSS OF PROFITS, LOSS OF USE, LOSS OF DATA, INTERRUPTION OF BUSINESS, OR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OF ANY KIND HOWSOEVER CAUSED, WHETHER ARISING UNDER THESE TOU, FROM USE OF THE SITE OR OTHERWISE, EVEN IF THE BANK WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR WAS NEGLIGENT.  THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES THAT MAY INFECT A USER’S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE EVENT.  IN JURISDICTIONS THAT PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE BANK’S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY THE LAW.

Indemnification

You agree to defend, indemnify, and hold harmless THE BANK and all of its respective directors, officers, employees, volunteers and agents thereof, from and against all claims and expenses, including attorney’s fees, arising out of your violation of these TOU or misuse of any services accessible through the Site.

Termination

THE BANK reserves the right to discontinue providing and/or to terminate your access to the Site or any portion thereof at any time.

Information You Provide

All information you provide to THE BANK must be either your information or information you are authorized by a third party to share with THE BANK. You are prohibited from sharing with THE BANK information of a third party, such as a co-applicant on a loan or account application, without you first obtaining the third party’s authorization to share the information with THE BANK.

Trademark Notices

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

Copyright Notices

THE BANK owns copyright in the pages, screens, text, images, and all other forms of media appearing on the Site and services accessible through the Site unless otherwise indicated. You may not use any of the contents thereof for any unlawful purpose. You may not copy, modify, display, reproduce, republish, or distribute THE BANK’s content without THE BANK’s prior written consent or unless authorized by applicable law.

Restrictions

You may not access or use the Site or any services accessible through the Site using any automated means (such as robots, bots, botnets, scrapers, or crawlers). You may not circumvent, disable, frequently engage with, or otherwise interfere with any part of the Site or any services accessible through the Site, including security-related features, that (a) prevent or restrict the copying or other use of the content on the Site or services accessible through the Site; or (b) limit the use of the Site or services accessible through the Site and related content.

Governing Law and International Use

This Site only is directed to persons in the continental United States, Hawaii and Alaska, however, it may be accessed from many different places around the world.  By accessing this Site, you agree that the statutes and laws of the State of Maryland, without regard to any conflicts of laws principles that would apply the law of another jurisdiction, and including the Maryland Uniform Electronic Transactions Act, will apply to all matters relating to the use of this Site.  You further agree that exclusive jurisdiction for all disputes, claims or controversies relating to use of this Site shall be only in a federal or state court with competent jurisdiction in the State of Maryland.  You irrevocably consent to the exercise of personal jurisdiction by such courts in any such dispute, claim or controversy and irrevocably waive any objection on the ground of venue or the convenience of the forum.  Any judgment entered in any such dispute, claim or controversy may be enforced in other jurisdictions in any manner provided by law.  Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws.

Feedback

To the extent permitted by applicable law, any comments or materials (“Feedback”) sent to THE BANK including questions, suggestions, ideas, comments, or the like relating to this Site shall be deemed to be non-confidential and shall become the property of THE BANK upon receipt.  THE BANK shall have no obligation of any kind with respect to such Feedback and shall be free to transmit, reproduce, use, exhibit, disclose, display, transform, copyright, create derivative works, and distribute the Feedback to others without limitation.  Further, THE BANK shall be free to use any ideas, concepts, know-how and techniques contained in such Feedback for any purpose whatsoever, including but not limited to, developing, manufacturing and marketing products or services incorporating such information.

Miscellaneous

These TOU constitute the entire agreement between you and THE BANK and supersede all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and THE BANK with respect to this Site.  If any part of these TOU is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid enforceable provision that most closely matches the intent of the original provision, and the remainder of these TOU shall continue in effect.  A printed version of these TOU and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these TOU to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.  All rights not expressly granted herein are reserved.

Additional Terms

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

Any rights not expressly granted herein are reserved.

For More Information

If you have any comments, concerns or questions regarding these TOU, please contact us at (410) 477-5000 or visit our contact us page.

Last updated April 26, 2024.