Terms of Use

Terms of Use

Please read the following terms and conditions carefully. They govern your rights to access and use of this Web site.

General

Noah Bank requires all visitors to this Web site (the “site”) to follow the rules contained in this Terms of Use Disclosure, as we may modify them from time to time. By accessing or using any portion of this site, you agree to be legally bound by these terms of use and you accept them in full. If you do not agree to accept these terms, you may not access or use any portion of this site.

We reserve the right to modify these terms of use without notice to you. By using this site after changes have been made, you agree to accept and comply with the changes. We will continually post the most current disclosure on this site. This disclosure was last updated January 1, 2011. Please refer to our Privacy Policy for specific details on how we deal with Privacy issues.

Certain areas of this site are subject to additional terms of use. By using these areas or any part thereof, you agree to be bound by the additional terms of use applicable to such areas.

Products and Services

The information, materials, products and services on this site are subject to change without notice. Not all of the products or services described on this site are available in all geographic areas. You may not be eligible for all of the products or services described. Noah Bank reserves the right to determine eligibility for any product or service.

Capacity to Contract

You certify that you are at least 18 years old, have the legal capacity to contract, and are legally competent to contract should you open any accounts with us on-line. We do not solicit or open accounts for minors unless a guardian or custodian of legal age is also on the account.

Children’s Information

We respect the privacy of children, and we comply with the practices established under the Children’s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.

Personal Identification & User Conduct

You represent that any personal identification that is required to open any account or otherwise register for any product or service on this site is valid and belongs to you. You agree to use this site and the content of this site only for lawful purposes. You are prohibited from any use that could constitute an illegal offense, liability, or otherwise violate any applicable local, state, national or international regulation. This site is based in Philadelphia, Pennsylvania. We make no representations that the content may be used or is appropriate for other areas of the United States or internationally.

Registration and Password

Except where otherwise expressly indicated, transmissions to and from this site, including by email, are not sent in a secure form and can be intercepted by third parties. You are responsible for maintaining the confidentiality of your information and password. You are responsible for all uses of any products or services for which you have registered, including your information and password, whether or not authorized by you. You agree to immediately notify Noah Bank of any unauthorized use of your registration, information or password.

Use of email

You can use electronic mail (email) to contact us. Because email over the Internet is not a secure method of communication, you should not use email to send or request confidential information that has substantial value or potential for causing harm, loss, or damage. If the need for an inquiry is urgent, please contact our Customer Service Center at 201-944-4100.

Copyright

The content included in this site is solely for your personal use. Except where expressly noted, all content in the text, screens, images, graphics and Web pages of this site are the sole and exclusive property of Noah Bank, Philadelphia, Pennsylvania, USA. United States and International copyright laws and treaties protect this information. The information, materials and other content of this Web site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, or otherwise used to create a derivative work, without the express written consent of the owner. You agree not to delete any copyright, trademark or similar notice from any contents you obtain from this site.

Links to Other Web sites

Noah Bank has established links between this site and one or more Web sites operated by third parties not affiliated with Noah Bank. We provide these links in hopes of bringing you the value and service you expect from Noah Bank. You can identify that you are at a third party’s Web site instead of Noah Bank’s when you have used a hyperlink which takes you to a new location, the Web site address of the linked site appears in the URL or “address” box at the top of your browser, or when a new browser window is opened in which the new third party Web site appears.

Noah Bank has no control over any such other Web sites or the contents therein. The existence of any such links shall not constitute an endorsement, approval, guarantee or recommendation by Noah Bank of such Web sites, the contents of such Web sites or the operators of such Web sites. Noah Bank will not be responsible for any loss or damage of any sort resulting from the use of a third party link, nor will it be liable for any failure of products or services advertised or provided on these third party Web sites.

No Warranties

Although Noah Bank attempts to provide accurate information, names, images, pictures, graphics, logos, icons, documents and materials (collectively, the “Contents”) on this site, we make no representation, endorsement or warranty that such Contents are accurate or suitable for any particular purpose. This site and its contents are provided on an “as is” basis. Use of this site and its contents is at the user’s sole risk. This site and its contents are provided without any representations, endorsements or warranties of any kind whatsoever, either express or implied, including, without limitation, any warranties of title or accuracy and any implied warranties of merchantability, fitness for a particular purpose, non-infringement or freedom for computer virus, with the sole exception of warranties (if any) which cannot be expressly excluded under applicable law. As noted above, Noah Bank makes no representations, endorsements or warranties, either express or implied, with respect to any web site operated by a third party.

Limitation of Liability

In no event will Noah Bank, its contractors or respective employees or agents be liable for any damages, including, without limitation, indirect, incidental, special, consequential or punitive damages, whether under a contract, tort or any other theory of liability, arising in connection with any party’s use of this site or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line system failure, loss of data or loss of use related to this site or any web site operated by any third party or any contents of this site or any other web site, even if Noah Bank is aware of the possibility of such damages.

Noah bank’s entire liability, and your exclusive remedy for any dispute or claim related to your use of this site, is your cessation of the use of this site. Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, in such jurisdictions liability is limited to the fullest extent permitted by law. Noah bank cannot and will not assume any liability for unauthorized or fraudulent use of this site.

Indemnification

You agree to indemnify, defend and hold Noah Bank, its contractors, and their respective directors, officers, employees and agents from and against all claims and expenses, including attorney’s fees, arising out of your use of this site.

Submissions to the Site

All remarks, discussions, ideas, graphics or other submissions communicated collectively through this site will be the exclusive property of Noah Bank. Noah Bank is entitled to use any portion of the submission without restriction or compensation to the individual who provided it. Nothing contained herein shall be construed as limiting or reducing Noah Bank’s responsibilities and obligations to our consumers and customers in accordance with our Privacy Policy.

Governing Law

You agree that your use of this site shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to the conflict of laws thereof, and to the laws of the United States.

Venue

Disputes arising from the use of this site shall be exclusively subject to the jurisdiction of any federal or state court for the Eastern District of Pennsylvania or the County of Philadelphia, Pennsylvania.

Severability

To the extent any portion of this terms of use disclosure is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and this terms of use disclosure, as so modified, shall remain in full force and effect.

Waiver

No waiver by Noah Bank or any right under or term or provision of this terms of use disclosure will be deemed a waiver or any other right, term or provision at that time or a waiver of that or any other right, term or provision of this terms of use disclosure at any other time.

Contact Information

You may contact Noah Bank by email or by telephone at 201-944-4100 or by mail to Noah Bank, 7301 Old York Road, Elkins Park, PA 19027, Attention: Marketing with questions or problems with this site.