Terms and Conditions

This web site is maintained by salemfive.com, the internet unit of Salem Five Cents Savings Bank ("Salem Five"), in order to provide you with information about Salem Five's products and services. By accessing this site, you agree to the following Terms and Conditions.

Copyrights and Trademarks

All of the pages and screens on the Site are owned and controlled by Salem Five, except as otherwise expressly stated, and are protected by U.S. copyright laws and international treaties.  The copyrighted materials on the Site include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Site.  You are authorized to view the information available on the Site for your informational purposes only.  You may download copyrighted materials for your personal or internal business purposes only.  You acknowledge that you do not acquire any ownership rights by downloading copyrighted material.  You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of, or republish all or any portion of the Site for any commercial or public purpose without Salem Five's prior written consent.  SALEM FIVE^®, The Open Account™ and Make Your Move™ are among the numerous federally registered trademarks owned by Salem Five.  Other featured words used on the Site to identify the source of goods and services are trademarks and service marks owned by Salem Five or owned by third parties.  You may not use, copy, display, distribute, modify, or reproduce any of the trademarks found on the Site except as authorized in this paragraph.  You may not use any of the Salem Five trademarks as a link to the Site except pursuant to a written trademark license agreement.

The Site may contain links to websites controlled or offered by third parties (non-affiliates of Salem Five).  Salem Five hereby disclaims liability for any other company's website content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site. In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not of Salem Five. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you the linked site provider.

Products and Services

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Not all products and services are available in all geographic areas. This web site, and the information, products and services contained here, are not offered for use in any jurisdiction where prohibited by law.

Securities and insurance products are not bank deposits, are not insured by Salem Five, the FDIC or other entity, and are subject to investment risks, including possible loss of principal amount invested. Securities are offered through Linsco/Private Ledger ("LPL")

Pop-Up Windows

This web site has many links that are designed to open in a new browser window. If you have installed special software that blocks pop-up windows, the software may prevent new browser windows from opening. In order to access all information in the salemfive.com web site, you may need to disable your pop-up stopper software for these links to function properly.

Cookies

When you visit our Site, our web servers may place a small file called a “cookie” on your computer to collect information as described below in Website Tracking and Analytics.  We do not use cookies to collect and store confidential personal information, such as your email address or other information stored on your computer’s hard drive.  You may set your browser to disable or delete cookies, however, this may affect your ability to use certain Site features, including some of our products and services.

Digital Tracking, Sharing and Analytics

We use tools like "Google Analytics", cookies and click stream auditing, to gather analytics on Site usage. We use this information to help improve services. These tools gather non-personally identifiable information, such as the Site pages visited, the time and date you used the Site, location information, device usage and the navigation path you used to find information and the name of your Internet service provider.  In addition, we will collect technical information about your computer such as its screen resolution, operating system and browser.  This information gives us insight into how our Site is being used and also allows us to make sure the Site runs well with the equipment being used by the majority of our customers.

Google’s ability to use and share information collected by Google Analytics about your use of the Services or visits to the Site or to another application which partners with Google is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. Please review those and see http://www.google.com/policies/privacy/partners/ for information about how Google uses the information provided to Google Analytics and how you can control the information provided to Google. 

We collect phone contacts and images in the mobile app when you choose to share the app.

Online Advertising

We will periodically advertise our products and services on non-affiliated third-party websites, some of which may be linked to our Site.  To evaluate the effectiveness of our advertisements on these third-party sites, we may use cookies or other tracking technology. This technology is only used to measure the responses to these advertisements on third-party sites and does not contain information that can be used to identify you personally.

Tools, Calculators and Other Resources

The Site may contain tools, calculators and other resources, such as educational information on financial subjects. We provide these resources as a complimentary service, for educational purposes only. We are not responsible for, and expressly disclaim all liability for, damages of any kind arising out of the use of such tools, calculators, and other resources.

No Warranty

The information and materials contained in this site, including text, graphics, links, financial calculators or other items are provided "as is" and "as available". Salem Five does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied or express, 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 Salem Five be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with your use of or inability to use this site or any linked site, 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 Salem Five is advised of the possibility of such damages, losses or expenses.

Governing Law

Use of this site is governed by applicable federal laws of the United States of America and the laws of the Commonwealth of Massachusetts.