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Terms of Use

PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING OR USING THE IVYBANK.COM WEBSITE AND ITS PAGES (“SITE”) YOU AGREE TO BE BOUND BY THESE TERMS OF USE, AS THEY MAY BE MODIFIED FROM TIME TO TIME BY IVY BANK AND POSTED ON THIS SITE. IF YOU DO NOT AGREE TO THESE TERMS OF USE YOU SHOULD DISCONTINUE YOUR USE OF THIS SITE.

USE OF INFORMATION AND MATERIALS

Ivy Bank, the digital banking division of Cambridge Savings Bank (sometimes referred to herein as “we”, “us”, “our” or “Bank”) maintains this Site to provide you with information about our products and services and to facilitate communication with you. Product offers, rates, terms and other information provided on the Site are subject to change without notice. We reserve the right to change, update, add or remove portions of these Terms of Use at any time without notice. Please check this Site periodically for changes. The date on which these Terms of Use was last revised is June 11, 2021.

AVAILABILITY OF PRODUCTS AND SERVICES

Not all of the products or services described on the Site are available in all geographic areas. You may not be eligible for all the products or services described. We reserve the right to determine eligibility for any product or service in our sole discretion, except where prohibited by law.

CONFIDENTIALITY AND USER COMMUNICATIONS

We welcome your comments and suggestions, however you should not send confidential or sensitive information to us via email or through our chat functionality unless you are an existing customer and are utilizing our secure email or secure chat functionality within our online banking platform. We will use reasonable efforts to keep any sensitive communication or material you transmit to us via the Site confidential, except as required by law or as otherwise specifically agreed. For information regarding our privacy practices please refer to the Bank’s Privacy Policy. You agree that your feedback, comments, suggestions, and similar submissions containing non-personal information will be the property of the Bank and will not be treated as confidential and the Bank may use information contained in any such submissions for any lawful purpose.

ANALYTICS AND TRACKING

The Bank may use the services of third parties, such as Google Analytics and Microsoft Clarity, which offer analytics and tracking technology services. We may use these services to gather information such as browser type and operating system, track the number of visitors to the Site, customize the Site for visitors, and understand how visitors use the Site. By accessing or using the Site, you consent to the collection of information about your use of the Site by us and our third party vendors.

NO WARRANTIES

THE INFORMATION ON THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION.

LIMITATION OF LIABILITY

BY USING THE SITE, YOU ACKNOWLEDGE THAT THE BANK SPECIFICALLY DISCLAIMS ANY LIABILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OR INABILITY TO USE THE 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 THE BANK, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

LINKS TO OTHER SITES

The Site may contain links to other websites operated by third parties. We provide links to other sites as a convenience. The linked sites are not under our control and we are not responsible for the products and services, privacy policy, security or content available on the third-party sites. We explicitly disclaim all liability for damages of any kind arising out of the use of such linked sites The Bank prohibits caching, unauthorized hypertext links to the Site, and the framing of any content available through the Site.

OWNERSHIP OF COPYRIGHT AND TRADEMARKS

Copyright in the pages, screens, text and images appearing at the Site, and their arrangement, is owned by the Bank (or others as indicated), and is protected by U.S. and international copyright laws. “Cambridge Savings Bank”, the CSB Logo, “Always You” and “Our Goal Is To Treat Every Customer Like Our Only Customer” are registered trademarks of the Bank. Other trademarks, logos and service marks (“Marks”) displayed on the Site are the property of the Bank and/or other parties, and are protected by federal and state laws. Users are prohibited from using any Marks or copyrighted material for any purpose without the prior written permission of the Bank, and users are specifically prohibited from modifying, copying, distributing, transmitting, displaying, creating derivative works or using any content available on or through the Site for commercial or public purposes.

GOVERNING LAW

By visiting and using this Site you agree that your use of this Site, as well as any account you may open at the Bank, shall be governed by the laws of the Commonwealth of Massachusetts without regard to conflicts of law principles. For any disputes arising out of the use of the Site which are brought in court, you agree that the courts sitting in the Commonwealth of Massachusetts shall have exclusive jurisdiction over all such disputes.