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Terms of Service

ACCEPTANCE OF TERMS

These Website Terms of Service (“Terms”) govern your access to and use of the Tanager Bank website located at [www.tanagerbank.com] (the “Site”), operated by Tanager Bank (“Tanager Bank,” “we,” “us,” or “our”), a Wyoming state-chartered bank headquartered in Jackson, Wyoming.

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site. We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

DESCRIPTION OF SITE

The Site provides general information about Tanager Bank, its products, services, locations, and community activities. The Site is intended for informational purposes only. It does not constitute an offer or solicitation to provide banking products or services in any jurisdiction where such offer or solicitation would be unlawful.

Tanager Bank plans to offer online banking and a customer portal in the future. When those services are made available, additional terms and conditions specific to those services will apply and will be presented to users at the time of enrollment.

NO BANKING RELATIONSHIP; NOT FINANCIAL ADVICE

Use of the Site does not establish a banking, financial advisory, fiduciary, or other professional relationship between you and Tanager Bank. Nothing on the Site constitutes financial, legal, investment, tax, or other professional advice. You should consult qualified professionals before making any financial decisions.

Information on the Site regarding rates, fees, products, and services is subject to change without notice and may not reflect current offerings. Please contact Tanager Bank directly for current product and rate information.

FDIC INSURANCE NOTICE

Tanager Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Deposit accounts at Tanager Bank are insured by the FDIC up to applicable limits. For information about FDIC insurance coverage, visit www.fdic.gov.

ELECTRONIC COMMUNICATIONS

By using the Site or submitting information through the Site (including contact forms or email inquiries), you consent to receive communications from Tanager Bank electronically. Tanager Bank may communicate with you by email or by posting notices on the Site. You may opt out of electronic communications at any time.

When Tanager Bank launches its online banking platform, a separate Electronic Communications and E-Sign Consent disclosure will be provided at that time, governing the delivery of account statements, notices, and other account-related documents electronically.

PRIVACY

Your use of the Site is also governed by Tanager Bank’s Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your information.

Tanager Bank is committed to protecting the privacy of your nonpublic personal information in accordance with the Gramm-Leach-Bliley Act (GLBA) and applicable Wyoming law. Our Privacy Notice, provided separately to account holders, describes how we collect, use, share, and protect your nonpublic personal information.

INTELLECTUAL PROPERTY

All content on the Site, including but not limited to text, graphics, logos, images, photographs, audio clips, and software, is the property of Tanager Bank or its content suppliers and is protected by applicable United States and international intellectual property laws.

You may access and use the Site for your personal, non-commercial informational purposes only. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material from the Site without the prior written consent of Tanager Bank, except as follows:
• You may print or download a single copy of pages from the Site for your own personal, non-commercial use.
• If we provide social media features in connection with certain content, you may take such actions as are enabled by those features.

The Tanager Bank name, logo, and all related marks, names, and slogans are trademarks of Tanager Bank. You may not use such marks without the prior written permission of Tanager Bank.

PROHIBITED USES

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:
• Use the Site in any way that violates applicable federal, state, local, or international law or regulation.
• Use the Site to transmit or procure the sending of any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.
• Impersonate or attempt to impersonate Tanager Bank, a Tanager Bank employee, another user, or any other person or entity.
• Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site, or which may harm Tanager Bank or users of the Site.
• Use any robot, spider, scraper, or other automated means to access the Site for any purpose without Tanager Bank’s express written permission.
• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site.
• Use the Site to collect or harvest any personally identifiable information, including account names, email addresses, or other information.

THIRD-PARTY LINKS AND CONTENT

The Site may contain links to third-party websites or resources, including but not limited to Helpside (our HR and benefits platform), Pacific Stock Transfer, and other service providers. These links are provided for your convenience only. Tanager Bank has no control over the contents of those sites or resources and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

If you decide to access any of the third-party websites linked to this Site, you do so entirely at your own risk and subject to the terms and conditions of use for such websites. The inclusion of any link does not imply endorsement by Tanager Bank of the linked site.

DISCLAIMER OF WARRANTIES

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TANAGER BANK DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Tanager Bank does not warrant that the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or the servers that make it available are free of viruses or other harmful components. Tanager Bank does not warrant or make any representations regarding the use or the results of the use of the materials on the Site in terms of their correctness, accuracy, reliability, or otherwise.

LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AND EXCEPT AS PROHIBITED BY APPLICABLE CONSUMER PROTECTION OR BANKING LAWS, IN NO EVENT SHALL TANAGER BANK, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO:
• Your access to or use of, or inability to access or use, the Site;
• Any conduct or content of any third party on the Site;
• Any content obtained from the Site; or
• Unauthorized access, use, or alteration of your transmissions or content,
IN EACH CASE WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, WHETHER OR NOT TANAGER BANK HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Tanager Bank, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site.

GOVERNING LAW AND DISPUTE RESOLUTION

These Terms and any dispute or claim arising out of or related to them, their subject matter, or their formation shall be governed by and construed in accordance with the laws of the State of Wyoming, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Site shall be instituted exclusively in the federal courts of the United States or the courts of the State of Wyoming, in each case located in Teton County, Wyoming. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

ACCESSIBILITY

Tanager Bank is committed to ensuring digital accessibility for people with disabilities. We are continually working to improve the accessibility and usability of our Site in accordance with the Web Content Accessibility Guidelines (WCAG) 2.1. If you experience difficulty accessing any portion of the Site, please contact us at [accessibility contact email or phone] and we will work to provide the information or transaction in an alternative format.

SECURITY

Tanager Bank uses reasonable technical and organizational measures to protect the security of the Site and information transmitted through it. However, no internet transmission is completely secure. You acknowledge that you provide any information through the Site at your own risk. If you become aware of any security vulnerability or breach relating to the Site, please notify us immediately at [security contact email].

CHANGES TO THE SITE

Tanager Bank reserves the right to withdraw or amend the Site, and any service or material provided on the Site, in its sole discretion without notice. Tanager Bank will not be liable if for any reason all or any part of the Site is unavailable at any time or for any period.

ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and any other legal notices or agreements published by Tanager Bank on the Site, constitute the entire agreement between you and Tanager Bank concerning the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site.

CONTACT INFORMATION
Questions or comments about the Site or these Terms may be directed to: Tanager Bank Attn: Legal / Compliance P O Box 157 Jackson, Wyoming 83001 Email: info@tanagerbank.com