Terms of Use

By viewing this site, you are agreeing to the Terms of Use Agreement as set forth below:

1. ACCEPTANCE OF TERMS
Welcome to the Community Bank of Oklahoma online (hereafter CBO). CBO provides its Site to you, subject to the following Terms of Use("TOU"), which may be updated by us from time to time without notice to you. In addition, when using particular CBO Sites, you and CBO shall be subject to any posted guidelines or rules applicable to such Sites which may be posted from time to time. All such guidelines or rules are hereby incorporated by reference into the TOU.
2. DESCRIPTION OF SITE
CBO currently provides users with access to on-line resources, including, various communications tools, online forums, shopping Sites, through its website (the "Site"). Unless explicitly stated otherwise, any new features that augment or enhance the current Site, including the release of new CBO properties, shall be subject to the TOU. You understand and agree that the Site is provided "AS-IS" and that CBO assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings.
     In order to use the Site, you must obtain access to the World Wide Web, either directly or through devices that access web-based content, and pay any Site fees associated with such access. In addition, you must provide all equipment necessary to make such connection to the World Wide Web, including a computer and modem or other access device.
3. YOUR REGISTRATION OBLIGATIONS (if applicable)
In consideration of your use of the Site, you agree to: (a) provide true, accurate, current and complete information as prompted by the registration form (such information being the "Registration Data") and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or CBO has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, CBO has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).
4. CBO PRIVACY & DECENCY POLICY
PRIVACY:
We collect nonpublic personal information about you from the following sources:
-Information we receive from you on applications or other forms
-Information about your transactions with us or others; and
-Information we receive from a consumer reporting agency.
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.
If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.
We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Your confidence in us is important and we want you to know that your personal and account information is safe. If you have any questions or concerns, please contact us.

DECENCY:
The content on this site shall at all times be appropriate for any age group. We strive to observe high moral, ethical, and family-friendly standards. It is our policy to show no tolerance to any form of violence, hatred, discrimination, racism, or evil. For this reason, not all of the content submitted to us is guaranteed to be posted. We appreciate and welcome input, but CBO reserves the right to deem what is appropriate content. Further, CBO retains the right to remove any message or materials that CBO, at its sole discretion, deems abusive, defamatory, obscene or otherwise unacceptable.
5. MEMBER ACCOUNT, PASSWORD AND SECURITY (if applicable)
You will receive a password and account designation upon completing the Site's registration process. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under your password or account. You agree to (a) immediately notify CBO of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. CBO cannot and will not be liable for any loss or damage arising from your failure to comply with this Section 5.
6. MEMBER CONDUCT
While we do our best to filter all content, you understand that by using the Site, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will CBO be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed or otherwise transmitted via the Site.
You agree to not use the Site to:
a. upload, post, email or otherwise transmit any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
b. harm minors in any way;
c. impersonate any person or entity, including, but not limited to, a CBO official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity;
d. forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Site;
e. upload, post, email or otherwise transmit any Content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
f. upload, post, email or otherwise transmit any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights ("Rights") of any party;
g. upload, post, email or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation, except in those areas (such as shopping rooms) that are designated for such purpose;
h. upload, post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
i. disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other users of the Site are able to type, or otherwise act in a manner that negatively affects other users' ability to engage in real time exchanges;
j. interfere with or disrupt the Site or servers or networks connected to the Site, or disobey any requirements, procedures, policies or regulations of networks connected to the Site;
k. intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law;
l. "stalk" or otherwise harass another; or
m. collect or store personal data about other users.
CBO and its designees shall have the right (but not the obligation) in their sole discretion to refuse or move any Content that is available via the Site. Without limiting the foregoing, CBO and its designees shall have the right to remove any Content that violates the TOU or is otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by CBO or submitted to CBO, including without limitation information in CBO Message Boards, CBO Clubs, and in all other parts of the Site.
You acknowledge and agree that CBO may preserve Content and may also disclose Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the TOU; (c) respond to claims that any Content violates the rights of third-parties; or (d) protect the rights, property, or personal safety of CBO, its users and the public.
You understand that the technical processing and transmission of the Site, including your Content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.
7. SPECIAL ADMONITIONS FOR INTERNATIONAL USE
Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.
8. PUBLIC CONTENT POSTED TO CBO
(a) For purposes of the TOU, "publicly accessible areas of the Site" are those accessible by the general public. By way of example, a publicly accessible area of the Site would include public CBO Clubs and CBO Message Boards, but would not include private CBO Clubs or private CBO communication Sites such as CBO Mail.
(b) With respect to Content you elect to post for inclusion in publicly accessible areas of CBO or that consists of photos or other graphics you elect to post to any other publicly accessible area of the Site, you grant CBO the world-wide, royalty free and non-exclusive license to reproduce, modify, adapt and publish such Content on the Site solely for the purpose of displaying, distributing and promoting the specific CBO Club to which such Content was submitted, or, in the case of phoTOU or graphics, solely for the purpose for which such photo or graphic was submitted to the Site. This license exists only for as long as you elect to continue to include such Content on the Site and shall be terminated at the time you delete such Content from the Site.
(c) With respect to all other Content you elect to post to other publicly accessible areas of the Site, you grant CBO the royalty-free, perpetual, irrevocable, non-exclusive and fully sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such Content (in whole or part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed.
9. INDEMNITY
You agree to indemnify and hold CBO, and its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of Content you submit, post to or transmit through the Site, your use of the Site, your connection to the Site, your violation of the TOU, or your violation of any rights of another.
10. NO RESALE OF SITE
You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Site, use of the Site, or access to the Site.
11. GENERAL PRACTICES REGARDING USE AND STORAGE
You acknowledge that CBO may establish general practices and limits concerning use of the Site, including without limitation the maximum number of days that email messages, message board postings or other uploaded Content will be retained by the Site, the maximum number of email messages that may be sent from or received by an account on the Site, the maximum size of any email message that may be sent from or received by an account on the Site, the maximum disk space that will be allotted on CBO's servers on your behalf, and the maximum number of times (and the maximum duration for which) you may access the Site in a given period of time. You agree that CBO has no responsibility or liability for the deletion or failure to store any messages and other communications or other Content maintained or transmitted by the Site. You acknowledge that CBO reserves the right to log off accounts that are inactive for an extended period of time. You further acknowledge that CBO reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.
12. MODIFICATIONS TO SITE
CBO reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Site (or any part thereof) with or without notice. You agree that CBO shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Site.
13. TERMINATION
You agree that CBO, in its sole discretion, may terminate your password, account (or any part thereof) or use of the Site, and remove and discard any Content within the Site, for any reason, including, without limitation, for lack of use or if CBO believes that you have violated or acted inconsistently with the letter or spirit of the TOU. CBO may also in its sole discretion and at any time discontinue providing the Site, or any part thereof, with or without notice. You agree that any termination of your access to the Site under any provision of this TOU may be effected without prior notice, and acknowledge and agree that CBO may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Site. Further, you agree that CBO shall not be liable to you or any third-party for any termination of your access to the Site.
14. DEALINGS WITH ADVERTISERS
Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Site, including payment and delivery of related goods or Sites, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You agree that CBO shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Site.
15. LINKS
The Site may provide, or third parties may provide, links to other World Wide Web sites or resources. Because CBO has no control over such sites and resources, you acknowledge and agree that CBO is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that CBO shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or Sites available on or through any such site or resource.
16. CBO'S PROPRIETARY RIGHTS
You acknowledge and agree that the Site and any necessary software used in connection with the Site ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content contained in sponsor advertisements or information presented to you through the Site or advertisers is protected by copyrights, trademarks, Site marks, patents or other proprietary rights and laws. Except as expressly authorized by CBO or advertisers, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Site or the Software, in whole or in part.
CBO grants you a personal, non-transferable and non-exclusive right and license to use the object code of its Software on a single computer; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, or to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorized access to the Site. You agree not to access the Site by any means other than through the interface that is provided by CBO for use in accessing the Site.
17. DISCLAIMER OF WARRANTIES
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
a. YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. CBO EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
b. CBO MAKES NO WARRANTY THAT (i) THE SITE WILL MEET YOUR REQUIREMENTS, (ii) THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SITES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
c. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
d. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CBO OR THROUGH OR FROM THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOU.
18. LIMITATION OF LIABILITY
YOU EXPRESSLY UNDERSTAND AND AGREE THAT CBO SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF CBO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SITE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SITES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SITES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SITE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITE; OR (v) ANY OTHER MATTER RELATING TO THE SITE.
19. EXCLUSIONS AND LIMITATIONS
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ACBOE LIMITATIONS OF SECTIONS 17 AND 18 MAY NOT APPLY TO YOU.
20. SPECIAL ADMONITION FOR SITES RELATING TO FINANCIAL MATTERS
If you intend to create or join any Site, receive or request any news, messages, alerts or other information from the Site concerning companies, stock quotes, investments or securities, please read the above Sections 17 and 18 again. They go doubly for you. In addition, for this type of information particularly, the phrase "Let the investor beware" is apt. The Site is provided for informational purposes only, and no Content included in the Site is intended for trading or investing purposes. CBO shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted via the Site, and shall not be responsible or liable for any trading or investment decisions made based on such information.
21. NOTICE
Notices to you may be made via either email or regular mail. The Site may also provide notices of changes to the TOU or other matters by displaying notices or links to notices to you generally on the Site.
22. TRADEMARK INFORMATION
Without CBO's prior permission, you agree not to display or use in any manner, the CBO Marks except to provide a link to CBO. CBO and the CBO logo are trade and service marks, all rights are reserved by CBO,
23. COPYRIGHTS and COPYRIGHT AGENTS
CBO respects the intellectual property of others, and we ask our users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide CBO's Copyright Agent the following information:
1. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
2. a description of the copyrighted work that you claim has been infringed;
3. a description of where the material that you claim is infringing is located on the site;
4. your address, telephone number, and email address;
5. a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
6. a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.
24. GENERAL INFORMATION
The TOU constitute the entire agreement between you and CBO and govern your use of the Site, superceding any prior agreements between you and CBO. You also may be subject to additional terms and conditions that may apply when you use affiliate Sites, third-party content or third-party software. The TOU and the relationship between you and CBO shall be governed by the laws of the State of Oklahoma without regard to its conflict of law provisions. You and CBO agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Noble, Oklahoma. The failure of CBO to exercise or enforce any right or provision of the TOU shall not constitute a waiver of such right or provision. If any provision of the TOU is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the TOU remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or the TOU must be filed within one (1) year after such claim or cause of action arose or be forever barred.
The section titles in the TOU are for convenience only and have no legal or contractual effect.