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Terms of Use

Thank you for visiting the Independence Bank web site!

If you're not yet an Independence Bank customer, we hope you'll join us. It's our intention to satisfy our customer’s needs.

Before using this site, please carefully read these terms of use, as well as our privacy policy.

By accessing our site(s) on the Internet (the "Site"), you indicate your acknowledgment and acceptance of these terms.

Independence Bank maintains the Site to:

  • Provide you with information about Independence Bank products and services
  • Facilitate communication between Independence Bank (and its related companies) and our customers
  • Allow our customers to access online banking services designed especially for personal and business banking

We may occasionally revise these terms.

Because banking laws vary from state to state, 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. For example, eligibility for loans is determined according to our loan underwriting policies. Independence Bank reserves the right to determine the eligibility for any product or service.

Independence Bank owns the copyright of the images, text, screens and Web pages (or others as indicated) appearing on the Site. You may copy information from the Site for your personal or educational use, provided that each copy includes copyright, trademark or service mark notices, or attribution as they appear on the Site.

The information and material may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms, without the express written permission of Independence Bank.

When you conduct banking transactions via the site through a secure browser, information transmitted to us will be governed by our privacy policy. Otherwise, unless prohibited by law, any communication or material you transmit to us via the Site or Internet email is not considered to be confidential and Independence Bank may use such communication or material for any legal purpose.

We use our best efforts to include accurate and up-to-date information on the Site, but we make no warranties or representation as to the accuracy of the information.

By using the Site, you agree that all access and use of the Site and its contents are at your own risk. You acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of, or in any way connected with, your access to or use of the Site (even if we have been advised of the possibility of such damage). This includes liability associated with any viruses that may infect a user's computer equipment.

With regard to services or products purchased or obtained by you through the Site from a person or entity other than Independence Bank; Independence Bank makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such services and products. Independence Bank specifically disclaims all other warranties with regard to such services or products.

You agree that your use of this Site shall be governed by Montana state law, and agree that jurisdiction and venue shall be located in the State Of Montana.

Please note that while you have the benefit of Independence Bank terms and privacy policy when you use the Site, if you access a third-party Web site through a link on the Site you will be subject to the terms and privacy policies of that third-party site. Independence Bank cannot take responsibility for the content, terms of use, privacy policies, business practices or products or services of any third-party.

Remarketing Disclosure

THESE TERMS GOVERN THE USE OF OUR WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ASSESSING 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.

HOW DOES INDEPENDENCE BANK USE REMARKETING FOR ONLINE ADVERTISING?

This site uses a mix of tracking technologies. In our online advertising endeavors, Independence Bank may use Google Analytics, Google AdWords, the Google Display Network and other third-party sites which place cookies on a browser across the Independence Bank website. This cookie placement helps us increase the website’s general effectiveness for visitors. This practice is known as remarketing and is a tool that Google offers to businesses. If you would like to know more about the program, you can do so here. But here are the basics: we, along with third–party vendors, Google and DoubleClick use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize and serve ads based on your past visits to our website. If you would like to opt-out of receiving advertising like this from Google, you can manage these settings by visiting the Google Ads Preferences Manager. Also Google recommends installing the Google Analytics Opt-Out Browser Add-On.