Modernbank.com Terms and Conditions

Effective Date: 02/19/2025

Welcome to Modernbank.com (the “Website”). By accessing and using this Website, you agree to be bound by the following Terms and Conditions (“Terms”). Please read these Terms carefully before using the Website. If you do not agree with these Terms, you may not access or use the Website.  

1. Access and Use of the Website
Modern Bank, N.A. (“MBG”) authorizes you to access and use the Website solely for lawful purposes and in accordance with these Terms. Unauthorized use of the Website and MBG’s systems, including but not limited to unauthorized access, misuse of passwords, or misuse of posted information, is strictly prohibited and may be subject to legal action.

2. Content and Materials
The information provided on this Website is for informational purposes only and does not constitute an offer to sell or a solicitation to buy any security, including MBG stock. While MBG strives to ensure the accuracy and timeliness of the information, we make no warranties, express or implied, about its completeness, accuracy, reliability, or suitability for any purpose.   Any dated information is presented as of its publication date only, and MBG disclaims any obligation to update such information except as required by Law or Regulations.  MBG reserves the right to modify or discontinue any content or feature of the Website, or these Terms, at any time without notice.

3. User Responsibilities
You agree to:

  • Comply with all applicable laws, regulations, and these Terms when using the Website.
  • Maintain the confidentiality of your password and other identifying information and restrict access to authorized individuals.
  • Refrain from any activity that could damage, disable, overburden, or impair the Website or interfere with other users’ access.

Access to password-protected or secure areas of the Website is restricted to authorized users only. Unauthorized access attempts may be subject to prosecution.

4. Service Availability
MBG does not guarantee uninterrupted access to the Website. Access may be unavailable, delayed, limited, or slowed due to various factors, including but not limited to: hardware or software failures, system overload, natural disasters, acts of God, power outages, labor disruptions, governmental actions, or other events beyond MBG’s control.

5. Electronic Communication
Email communications with MBG may not be secure. Do not transmit confidential information, such as social security numbers or account numbers, via email. Please use secure methods such as postal mail or contact your Relationship Officer directly who can provide you with a secure link.

6. Links to Third-Party Websites
The Website may contain links to third-party websites. MBG is not responsible for the content, products, privacy policies, or security of these websites. Accessing linked websites is at your own risk, and you should review the terms and conditions and privacy policies of those websites. 

7. Disclaimer of Warranties and Limitation of Liability
The Website is provided “as is” and “as available” without any warranties of any kind, either express or implied. To the fullest extent permitted by law, MBG disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and freedom from viruses or other harmful code.   MBG will not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or in connection with your use of the Website, including but not limited to lost profits, lost opportunity, or any other loss or damage, even if MBG has been advised of the possibility of such damages. 

8. Intellectual Property
All content on this Website, including but not limited to text, graphics, logos, images, software, and code, is the property of Modern Financial Inc. or its licensors and is protected by copyright and trademark laws. You may access and use the content for personal or internal business purposes only. You may not reproduce, modify, distribute, or display the content without the prior written consent of MBG.    “MODERNBANK,” “MODERN BANK,”, “MODERN BRANKING GROUP”, MBG”,  the MBG logo, and other trademarks and service marks displayed on the Website are registered trademarks of Modern Financial Inc. Unauthorized use of these trademarks is strictly prohibited.

9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.  

 10. Entire Agreement
These Terms constitute the entire agreement between you and MBG regarding the Website and supersede any prior agreements or understandings.  

11. Modifications to Terms
MBG reserves the right to modify these Terms at any time without notice. Your continued use of the Website following any changes constitutes acceptance of the modified Terms. The most current version of the Terms will be available on the Website.   www.modernbank.com/terms-of-service/

12. Contact Information
If you have any questions about these Terms, please contact us at:

212-323-1181 or branchservices@modernbank.com