Terms of Use

NOTICE. 

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

Welcome to the F&M Bank Website ("Site"). F&M Bank owns and operates this Site to provide information and online services to its users. This Site is for informational purposes only and is not intended to provide investment advice to the general public. Please consult an investment professional for investment advice that considers your specific investment objectives, needs and financial situation. Investment services are not bank deposits or insured by the FDIC or other entity, and are subject to investment risks, including possible loss of principal amount invested.

By accessing, browsing, and using the Site, you agree to the following terms and conditions. You may view the content, make a single copy of it, and print that copy, but only for your own lawful, personal, noncommercial use, provided that you maintain all copyright, trademark and other intellectual property notices contained in such content, and provided that the content, or any part thereof, is not modified.

You agree not to use the Site for any purpose that is unlawful or prohibited by these terms and conditions of use. You agree not to post or submit on this Site, any material that: (a) infringes or may infringe on anyone else's copyright, trade secret, trademark, or other intellectual property rights; (b) violates or may violate others' privacy rights; (c) is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to another party; (d) impersonates another person; or (e) breaches any obligations of confidentiality or any other contractual obligation you may owe to any third parties.

You also agree not to submit any materials that contain viruses, worms or other computer programming routines or engines that are intended to damage, interfere with, intercept, or expropriate any system, data, or information. You may not try to gain unauthorized access to the Site, other accounts, computer systems or networks connected to the Site through hacking, password mining, or any other means. You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy pages of this Site or the content contained on it without our express prior written permission. 

For your convenience, F&M Bank may provide, on this Site, links to other websites operated by third parties. F&M Bank makes no warranty or representation regarding, and does not endorse, any linked websites or the information, products or services available on those websites. F&M Bank hereby disclaims liability for any information, materials, products, or services posted or offered at any third-party site linked to the Site. Links do not imply that F&M Bank: (i) endorses or recommends any product or service offered via any third party site linked from the Site; or (ii) is legally authorized to use any trademark, logo or copyright symbol displayed on links.

This site may contain typographical errors or inaccuracies. You agree that you use the Site at your sole risk. F&M Bank provides this Site "AS IS" and “AS AVAILABLE” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, OR FITNESS FOR ANY PARTICULAR PURPOSE. F&M Bank does not warrant the accuracy or adequacy of information provided within the Site.

F&M Bank shall not be liable for any direct, indirect, consequential or other damages (including but not limited to lost profits, business interruption, loss of information or other data) that are related to your use of, the inability to use, or delay in the use of the content, materials and functions of the Site, and expressly disclaims liability for errors and omissions in the information and materials appearing on the Site.

Some jurisdictions do not allow for the exclusion of implied warranties or limitation or exclusion of liability, so the above exclusions may not apply to you.

F&M Bank may change, modify, add or remove any portion of these terms and conditions of use at any time. Changes in the terms and conditions of use will be effective when the change is posted to the Site. Your continued use of the Site after any changes are posted will be considered acceptance of those changes.

F&M Bank also reserves the right to terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features of the Site, at any time. F&M Bank may also impose limits on certain features and services or restrict your access to all or parts of this Site. You agree that F&M Bank will not be liable to you or any third party for any termination of your access to the Site or for any modification, suspension, or discontinuation of the Site.

This Site is controlled, operated and administered by F&M Bank from its offices within the United States of America. Access to the Site from locations outside the United States where the Site's contents are illegal is prohibited. You may not use the Site in violation of United States export laws and regulations. If you access this Site from a location outside of the United States, you are responsible for compliance with all local laws and you may not use this Site if it would be unlawful under the securities laws of such location.

Governing Law. These terms and conditions of use shall be governed by the laws of the State of North Carolina, without giving effect to its conflict of laws provisions.

Entire Agreement. These terms and conditions of use constitute the entire agreement between F&M Bank and you with respect to your use of the Site.

Indemnification. You agree to indemnify, defend, and hold harmless F&M Bank and its officers, directors, shareholders and employees from and against all claims, demands, and damages (including actual and consequential), of every kind and nature whether known or unknown arising out of or relating to:

(a) your posting of any content on, or your use of, this Site in violation of these terms and conditions of use; 

(b) any other breach of these terms and conditions of use by you; or 

(c) your violation of any law or the rights of a third party.

By Accessing and Using this Site you Agree to the Above Terms and Conditions.