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Privacy The PointBank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the PointBank should contact the Texas Department of Banking. The PointBank also engages in the business of selling checks as an agent for Deluxe Financial Services, which company is licensed under the laws of the State of Texas and is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against PointBank or Deluxe Financial Services concerning sale of checks activities should contact the Texas Department of Banking. Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below: In Person or U.S. Mail:
Notice of Your Financial Privacy Rights Information We Collect About You We collect nonpublic personal information about you from the following sources:
Service Providers and Joint Marketers We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may disclose information pursuant to a joint marketing agreement to the following types of businesses:
Confidentiality and Security We restrict access to nonpublic personal information about you 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.
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. We do not disclose information about former customers, except as permitted by law.
Web Site Usage Disclosure PointBank strives to provide you with the highest quality on-line banking system available. However, occasional inaccessibility to our Website should be expected, due to the unpredictable nature of the Internet. By accessing this Website, you agree to be bound by our terms and conditions as further described below. Whether or not you actually read these terms and conditions, your use of our Website will be deemed as an acceptance of such terms and conditions. Please read these terms, conditions and disclaimers carefully. Do not use this Website if you do not agree to be bound by all the terms and conditions. We may modify our terms and conditions for the use of this Website without notice at any time.
Use of this Website Although PointBank continually strives to provide accurate and timely information, the content of this Website may not be accurate, complete or current and may include technical inaccuracies or typographical errors. Changes may be made to the content of this Website, from time to time, and without notice. At any time, PointBank may change the products, services, and any other information described on this Website. The information published on this Website is for information purposes only and is provided as a convenience to visitors. Please verify all information before relying on it. Any decisions that you make based on information provided on our Website are your sole responsibility. If you need specific details about any information contained on our Website, please contact PointBank at 940-686-7000 or 972-434-3200. PointBank controls and maintains this Website for the United States of America and makes no representation or warranty that materials are appropriate or available for use in other locations. The information provided on this Website is not intended for use by, or distribution to, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject PointBank or any affiliate to any registration requirement within such jurisdiction or country. If you use this Website for other locations, you are solely responsible for compliance with all applicable local laws. Except as otherwise indicated, all of the information on this Website, including all images, is copyright material of PointBank. You may not copy, download, republish, distribute, transmit, participate in the transmission of, create derivatives of, alter, edit, exploit, or reproduce any other information contained on this Website in any form without the prior written consent of PointBank unless otherwise indicated. Deliberate misuse of any element of this Website, including, but not limited to, hacking, introduction of viruses or similar code, disruption, or excessive use, or any use in contravention of applicable law, is expressly forbidden and PointBank reserves the right to terminate your access to the Website and, at its sole discretion, to pass any information regarding your misuse of the Website to legal authorities. Links to this Website are not allowed or authorized without prior consent of PointBank.
Products and Services The products and services referred to on this Website are offered by or through PointBank or subsidiary or affiliates entities. The products and services and the applicable terms and conditions may change at any time. There may be eligibility requirements for these products and services. Furthermore, the products and services may not be available in all geographic areas. Investment products and services offered through third-parties, who are registered brokers/dealers and members NASD and SIPC, and licensed insurance agencies. Non-deposit products are not FDIC insured nor are they insured by any federal government agency. They are not deposits or obligations of, nor guaranteed by, PointBank and involve investment risks, including the possible loss of the principal amount invested.
Other Sites/Weblinking From time to time, this Website may contain links to other sites on the Internet. However, these links are provided for your convenience and you agree to use these third-party links at your own risk. The content of these third-party links has not been developed, checked for accuracy or otherwise reviewed by PointBank. Therefore, PointBank makes no guarantees or representations as to the accuracy, subject matter, quality or timeliness of any electronic content. Under no circumstances shall PointBank incur any liability for any damages or loss resulting from your use of these third-party links referenced on our Website. Links to another Website do not constitute PointBank’s approval of or endorsement of that site, its products or advertisements.
No Warranty and Limitation of Liability THE INFORMATION AND CONTENT OF THIS WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE." NEITHER POINTBANK, NOR ANY OF ITS AFFILIATES, WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE MATERIALS PROVIDED IN THIS WEBSITE, EITHER EXPRESSLY OR IMPLIEDLY, FOR ANY PARTICULAR PURPOSE AND EXPRESSLY DISCLAIMS ANY WARRANTIES OR MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES WILL POINTBANK OR ANY OF ITS AFFILIATES, SUBSIDIARIES, AGENTS, EMPLOYEES, OR SUBCONTRACTORS BE LIABLE TO YOU FOR ANY LOSS OR DAMAGE ARISING OUT OF THE USE OF, OR INABILITY TO USE THIS WEBSITE, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL, FORESEEN OR UNFORSEEN, INCLUDING LOSS OF PROFIT OR OTHER ECONOMIC LOSS OR ANY OTHER DAMAGES OF ANY KIND, EVEN IF POINTBANK OR ITS AFFILIATES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES. The Internet lacks inherent security, therefore, PointBank does not guarantee that downloads from this Website will not contain a virus or other destructive devise. PointBank shall not be liable for any damages or losses that may be caused to any equipment and other software due to any viruses, defects or malfunctions in connection with access or use of this Website. By using our Website to transmit information, you accept the risk that the information you transmit to us and any information that we transmit to you, may be intercepted by third parties.
E-mail and Other Requests Online E-Mail messages that you send to us may not be secure. Therefore, we recommend that you do not send any confidential information to us via e-mail. If you decide to send any information, confidential or otherwise, to use through e-mail, you accept the risk that such information may be intercepted by third parties.
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