Can anyone tell me what I exactly I need to look for relating to the following question.

Is there a disclosure on the use of the bank's website? May be listed as legal notice.

We call it our 'Terms and Conditions' for the website.

This is what ours says

THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Georgia.

Thanks, this helps.

Georgia Plum,

Is this a required disclosure?

Whether you need a "disclosure" depends on the nature of your site. Is it informational only or is it interactive? There's a certain level of mouseprint and disclosures that go along with advertising bank products and services, and just because we're a bank (such as Member FDIC). Most sites also have a privacy notice that explains encryption, cookies and what information may be obtained and retained by the bank while accessing the site.

These are the disclosures that we currently display on our site: Privacy, Security, Member FDIC logo, equal housing logo, Transaction Account Guarnatee Program disclosure, Luxury Ependiture Policy. We also display pop-up alerts( leaving bank site) associated with links to other sites. We do not currently display any enhanced terms and conditions disclosure. We do offer Internet Banking via our website, so I'm thinking we need the terms and conditions disclosure.

Why don't you surf through some competitors websites? I suspect you could put together some Terms & Conditions pretty quickly. Don't forget to protect any copyrights and trademarks.

Thanks for the suggestion.