Terms of Use

A giant stone face at The Bayon temple in Angkor Thom, Cambodia

General Terms of Use

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEBSITE.

BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY Premium Investors Bank, N.A. (for purposes of these terms and conditions the term " Premium Investors Bank " includes Premium Investors Bank's affiliates, as applicable) FROM TIME-TO-TIME AND POSTED ON THIS WEBSITE.

No Warranties: Although Premium Investors Bank attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the "Contents") on the Website, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE WEBSITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE WEBSITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE WEBSITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, Premium Investors Bank BANK ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEBSITE OPERATED BY A THIRD PARTY.

Limitation of Liability: IN NO EVENT WILL Premium Investors Bank OR ITS SUBSIDIARIES, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES 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 THE WEBSITE 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 WEBSITE OR ANY WEBSITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS WEBSITE OR ANY OTHER WEBSITE, EVEN IF Premium Investors Bank IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

Use of Website: Contents are included in this Website solely for the personal use of Website users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this Website without the prior written consent of Premium Investors Bank, which may be withheld in its sole discretion.

Copyrights and Other Intellectual Property: Except where otherwise expressly noted herein, all Contents of this Website, including the graphics, icons and overall appearance of the Website, are the sole and exclusive property of Premium Investors Bank and/or its subsidiaries or affiliates. The posting of the Contents of this Website neither constitutes a waiver of any of Premium Investors Bank's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, servicemarks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the Website user or to any third party. Contents of this Website are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Website.

MasterCard® is a registered trademark of MasterCard International, Inc.

Windows®, and Windows® 95, are registered trademarks of Microsoft Corporation in the United States and/or other countries.

Quicken®, QuickBooks® are registered trademarks of Intuit Inc.

The display of the above trademarks within this Website does not grant a license of any kind to the reader. Any downloading of material contained in the site, or of any site linked to the site may be a violation of federal trademark and copyright laws. Any downloading of Contents of this Website or any website linked to this Website may be a violation of federal and other trademark laws and federal copyright laws.

Links to Other Websites: Premium Investors Bank may establish links between this Website and one or more Websites operated by third parties. Premium Investors Bank has no control over any such other Websites or the contents therein. The existence of any such links shall not constitute an endorsement by Premium Investors Bank of such Websites, the contents of the Websites, or the operators of the Websites.

Transmissions to and from this Website: Except where expressly indicated otherwise, transmissions to and from this Website or directed to Premium Investors Bank, including E-mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at Premium Investors Bank. Please do not use E-mail to send us communications which contain confidential information, which we require to be in writing, or which need our immediate attention. Please call 1-800-318-3159 or write us instead at this address: Premium Investors Bank, N.A., P.O. Box 551390, Jacksonville, FL 32255-1390, Attention: Customer Service. Any transmission to this Website, including E-mails shall be deemed and remain the property of Premium Investors Bank. Premium Investors Bank shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a Website user to Premium Investors Bank through this Website.

Available Only Where Permitted by Law: The products and services of Premium Investors Bank and other Premium Investors Bank affiliates are available only in the United States and other countries where permitted by law.

Modifications: Premium Investors Bank may at any time make modifications, changes, and alterations to the Contents of this Website, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of this Website following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.

Governing law: These Terms and Conditions shall be governed by and construed in accordance with the law of the State of Florida, without regard to the conflict of laws thereof, and to the laws of the United States. Venue. Disputes arising from the use of this Website shall be exclusively subject to the jurisdiction of any federal or state court of Florida. Severability. To the extent any portion of these Terms and Conditions 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 these Terms and Conditions, as so modified, shall remain in full force and effect.

Waiver. No waiver by Premium Investors Bank of any right under or term or provision of these Terms and Conditions will be deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any other right, term, or provision of these Terms and Conditions at any other time.

Service Contact: You may contact Premium Investors Bank by email link to email info@premiuminvestorsb.com or by phone at 1-800-318-3159 or by mail at Premium Investors Bank, N.A., P.O. Box 551390, Jacksonville, FL 32255-1390, Attention: Web Site Customer Service.

When you use our website, Premium Investors Bank, N.A. (SCB) collects information in several ways:

If you use online banking services, we collect and use information as described in the SCB Consumer Privacy Notice.

SCB collects and uses your IP address to help diagnose problems with its servers and to administer the website. An IP address is like a telephone number for a computer on the Internet. Just as one can locate a phone number in the telephone book, computers can locate an IP address using a Domain Name Service Server. SCB uses your IP address and information transmitted from your computer to help identify your computer and browser as you move throughout the SCB website, and to gather general information such as where your Internet Service Provider is located or the type of service that you have. In many cases, this allows SCB to present a convenient, more customized website to you.

Our website and our service providers may over time use cookies and similar technologies to collect information about which computers and browsers access our website, and to keep track of you as you move through our website and third party websites that have a business relationship with our service providers. Cookies are small text files or text identifiers that are placed on your computer by SCB and many other websites. SCB and our service providers use this information for a number of reasons, including to deliver content specific to your interests, provide access to our secure banking functions, assist with website traffic reporting (such as reporting unique visitor counts), provide client support, respond to your inquiries (including through the use of live chat or video session technologies), measure and report the level of engagement with SCB advertisements on this and other websites, and provide you with advertisements tailored to your interests (also known as "Targeted Advertising"). This information is not combined with any personally identifying information, such as your name or contact information. If you choose, you may set your web browser to warn you each time before it accepts a cookie and allow you to choose whether you want to accept the cookie. You may also choose to obtain software that operates in conjunction with your browser to control cookie acceptance. Some portions of the SCB website use cookies to provide you with a secure environment for certain financial transactions. These features may not work properly if you restrict the use of cookies on the website.

SCB also collects information that you provide to us through your use of the website and its features (including live chat or video sessions) to provide client support and to respond to your inquiries.

- Using cookies: Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the Site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the Site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the Site and to assist us with resolving questions regarding the Site. We also utilize cookies for advertising purposes.

You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services. For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on. You also may not receive tailored advertising or other offers from us that may be relevant to your interests and needs.

“When it comes to customer service, Premium Investors Bank takes it to the next level. I just love the fact that if something happens, I can text my representative and get a response. Where else can you get that kind of service?” 

Avie Croce
Principal of Avie Croce Law

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