Legal Disclaimer

Website Terms and Conditions

Please read these website terms and conditions carefully (the, “Website Terms and Conditions”). By accessing www.upbnk.com you agree to be bound by the Website Terms and Conditions contained herein. These Website Terms and Conditions are subject to change and any change will be incorporated into the terms and conditions posted to this Website from time to time. If you do not agree with any of these Website Terms and Conditions, please do not access this Website.

Use of the Website

You agree that you will not use this Website to engage in any activities that are contrary to any applicable law. You further agree to establish commercially reasonable security procedures and controls to protect your personal information. This Website is intended for persons who are thirteen years old or older. If you are under thirteen, do not use this Website.

Applicable Agreements and Disclosures

Your use of this Website will be pursuant to the Website Terms and Conditions, including the terms and conditions of either the Business Deposit Account Agreement or Consumer Deposit Account Agreement, as applicable (each, an “Account Agreement” and collectively, the “Account Agreements”) and any other written agreements that may exist between us relating to your account or services, as any of the forgoing may be amended from time to time. Any capitalized term used herein but not defined, shall have the same meaning ascribed to such term in the Account Agreements. Certain sections or pages on this Website may contain separate terms and conditions, which are in addition to those contained in the Account Agreements or these Website Terms and Conditions. In the event of a conflict, the additional terms and conditions will govern for those pages.

Copyright/Trademark/Restrictions on Use

The pages and screens on this Website are owned by Urban Partnership Bank are owned, except as otherwise expressly stated, by Urban Partnership Bank and are protected by U.S. copyrights laws. The copyrighted materials on the Website include, but are not limited to, the text, design, software, images, source codes, graphics, and content on the Website. You acknowledge and agree that by your use of this Website you do not acquire any ownership rights by downloading or printing any of this information. You shall not download, retransmit, copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of, use or republish any portion of this Website for any use without the prior written consent of Urban Partnership Bank. Certain names, graphics, logos, icons, designs, words, titles or phrases on this Website constitute registered or pending trade names, trademarks or services marks of Urban Partnership Bank. Other featured words or symbols, use to identify the source of goods and services, may be the trademarks of their respective owners.  

Potential Disruption of Service

Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things: (i) ardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment, (ii) Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content, (iii) Overload of system capacities, (iv) Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters, (v) Interruption (whether partial or total) of power supplies or other utility of service strike or other stoppage (whether partial or total) of labor, (vi) Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention, or (vii) Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of Urban Partnership Bank.

LIMITATION OF LIABILITY

BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE) IS PROVIDED "AS IS" "AS AVAILABLE". URBAN PARTNERSHIP BANK AND ANY THIRD PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE. URBAN PARTNERSHIP BANK AND ANY THIRD PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF ANY THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, URBAN PARTNERSHIP BANK WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, CYBER-ATTACK, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECTS IN THIS WEBSITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE, ANY FILES AND YOUR BROWSER OR OTHER SITE ACCESSING PROGRAM. NOR WILL URBAN PARTNERSHIP BANK BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY YOU DUE TO CAUSES BEYOND URBAN PARTNERSHIP BANK’S. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING URBAN PARTNERSHIP BANK’S RESPONSIBILITIES AND OBLIGATIONS TO YOU IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

UNDER NO CIRCUMSTANCES WILL URBAN PARTNERSHIP BANK BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER URBAN PARTNERSHIP BANK HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

Site Links

This Website contains links to other third party websites. Urban Partnership Bank is not responsible for, nor does it control, the content, products, or services provided by linked websites. Urban Partnership Bank does not endorse or guarantee the products, information or recommendations provided by linked websites, and is not liable for any failure of products or services advertised on those websites. Further Urban Partnership Bank makes no warranties, either express or implied, concerning the content of such websites, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Urban Partnership Bank warrant that such websites or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such websites or content is devoid of viruses or other contamination. Urban Partnership Bank does not guarantee the authenticity of documents on the Internet. Links to non-Urban Partnership Bank websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such websites, or any representation regarding the content at such websites.

Enforceability and Governing Law

In the event any of the terms or provisions of these Website Terms and Conditions shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. Your access to and use of the Website, and the terms of this disclaimer are governed by the laws of the State of Illinois.

USA Patriot ACT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person that opens an Account. This means that when you open an Account with us, we will ask for your name, address, date of birth, social security number, driver’s license number or other identifying documents that allow us to identify you. Even if you are an existing customer, we may ask you to provide this kind of information and documentation because we have not collected it from you in the past or we need to update our records. 

Our new branches reflect our mission to make a difference in the lives of our customers and communities

- William Farrow
President and CEO, Urban Partnership Bank