AGREEMENT BETWEEN USER AND CELTIC BANK

Celtic Bank’s ("the Bank") website and mobile app are offered to you conditioned upon your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Celtic Bank website or mobile app constitutes your agreement to all such terms, conditions, and notices.

Modification of these Terms and Conditions of Use

Celtic Bank reserves the right to modify the terms, conditions, and notices under which its website and mobile app are offered. You are responsible for regularly reviewing these terms and conditions. Any modification to these Terms and Conditions will become effective when they are posted on the website. The “Last Updated” date at that bottom of this Terms and Conditions will reflect the date modifications were last made. Your use of the website or mobile app following these changes means that you accept the revised Terms and Conditions.

Personal and Non-Commercial Use Limitation

Unless otherwise specified, the Celtic Bank website and mobile app are for your personal and non-commercial use. You may not link to, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Celtic Bank website or mobile app.

No Unlawful or Prohibited Use

As a condition of use of the Celtic Bank website and mobile app, you warrant to Celtic Bank that you will not use the Celtic Bank website or mobile app for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Celtic Bank website or mobile app in any manner that could damage, disable, overburden, or impair the Celtic Bank website or mobile app or interfere with any other party's use or enjoyment of the Celtic Bank website or mobile app. You may not obtain or attempt to obtain any materials or information from Celtic Bank through any means not intentionally made available or provided for through the Celtic Bank website or mobile app.

Links to Third-Party Sites

Celtic Bank’s website or mobile app may contain links to other websites. Celtic Bank is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Celtic Bank of the site or any association with its operators. Your visit to a third-party site is at your own risk. We encourage you to read the privacy policies of these third-party sites to learn how they collect, use, share, and secure your information.

Children’s Online Privacy Protection Act

Celtic Bank’s online services are not intended for children under 18 and Celtic Bank does not knowingly collect information from children under 18. If Celtic Bank obtains personally identifiable information of children under the age of 18 in error, the Bank will delete that information from our systems.

Collection and Use of Personal Information

The collection of personal information online is designed to protect access to your personal accounts and to assist Celtic Bank in providing you with the products and services you want and need. All personal information collected and stored by Celtic Bank is used for specific business purposes-to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help Celtic Bank better understand your financial needs to design or improve our products and services.

Third-Party Disclosure Restrictions

Celtic Bank follows strict privacy procedures regarding protecting your personal information. Celtic Bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process a customer transaction; if the customer requests it; the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.); or for marketing purposes of which the you have been previously informed and has been given the opportunity to decline.

Security Measures

Except as may be required by applicable law, any information that you transmit to us using the Celtic Bank website, mobile app or electronic mail will be subject to our written Privacy Policy, which is available here. We may use the transmitted information for any purpose, consistent with the provisions of the Privacy Policy. Celtic Bank has strict standards and processes designed to prevent unauthorized access to information. The standards and processes are applied by maintaining physical, electronic, and procedural safeguards that have been developed to comply with regulatory guidelines and to protect information from unauthorized access.

Please Note: Information sent electronically may not be secure when it is transmitted (i.e. unencrypted email). Celtic Bank recommends that users do not use unsecure channels to transmit sensitive or confidential information.

Usage and Other Information

Celtic Bank may collect certain information about your use of our website or mobile app. This can include but is not limited to: the IP address of the device you use to connect to the Celtic Bank website or mobile app, the type of operating system and browser you use, the parts of our website or mobile app that you access, cookies, web beacons, local shared objects and other tracking technologies for various purposes.

Payment Services

Provided that you agree to the terms presented at the time you schedule a payment, we will provide the ability to make payments on your Celtic Bank account from an eligible account at another financial institution through the website and mobile app. If you believe your password for the website or the mobile app has been lost or stolen or that someone has used or may use the website or mobile app without your permission, promptly notify us at 1-800-509-6191. We may discontinue or suspend any payment service at any time without notice to you.

LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE CELTIC BANK WEBSITE AND MOBILE APP MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION HEREIN. CELTIC BANK AND/OR ITS SERVICE PROVIDERS MAY MAKE IMPROVEMENTS AND/OR CHANGES TO THE CELTIC BANK WEBSITE AND MOBILE APP AT ANY TIME.

CELTIC BANK AND/OR ITS SERVICE PROVIDERS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, OR ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS CONTAINED ON THE CELTIC BANK WEBSITE AND MOBILE APP FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. CELTIC BANK AND/OR ITS SERVICE PROVIDERS HEREBY DISCLAIM ALL REPRESENTATIONS AND WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

IN NO EVENT SHALL CELTIC BANK AND/OR ITS SERVICE PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE CELTIC BANK WEBSITE OR MOBILE APP, WITH THE DELAY OR INABILITY TO USE THE CELTIC BANK WEBSITE OR MOBILE APP OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE CELTIC BANK WEBSITE OR MOBILE APP, OR OTHERWISE ARISING OUT OF THE USE OF THE CELTIC BANK WEBSITE OR MOBILE APP, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CELTIC BANK OR ANY OF ITS SERVICE PROVIDERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSIONS OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

THE CONTENT AVAILABLE THROUGH THE WEBSITE AND MOBILE APP IS THE PROPERTY OF CELTIC BANK AND IS PROTECTED BY COPYRIGHT AND OTHER INTELLECTUAL PROPERTY LAWS. CONTENT RECEIVED THROUGH THIS WEBSITE OR MOBILE APP MAY BE DISPLAYED, REFORMATTED, AND PRINTED FOR YOUR PERSONAL, NON-COMMERCIAL USE ONLY. YOU AGREE NOT TO LINK TO, REPRODUCE, RETRANSMIT, DISTRIBUTE, DISSEMINATE, SELL, PUBLISH, BROADCAST OR CIRCULATE THE CONTENT RECEIVED THROUGH THE WEBSITE OR MOBILE APP TO ANYONE, INCLUDING BUT NOT LIMITED TO OTHERS IN THE SAME COMPANY OR ORGANIZATION, WITHOUT THE EXPRESS WRITTEN CONSENT OF CELTIC BANK.

IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE CELTIC BANK WEBSITE, MOBILE APP OR ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE CELTIC BANK WEBSITE OR MOBILE APP.

Termination of Access

Celtic Bank reserves the right, in its sole discretion, to terminate your access to the Celtic Bank website, mobile app and the related services or any portion thereof at any time, without notice.

General

This agreement is governed by the laws of the State of Utah. You hereby consent to the exclusive jurisdiction and venue of courts in Salt Lake County, Utah in all disputes arising out of or relating to the use of the Celtic Bank website or mobile app. Use of the Celtic Bank website or mobile app is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Celtic Bank as a result of this agreement or use of the Celtic Bank website or mobile app. Celtic Bank's performance of this agreement is subject to existing laws and legal process, and nothing contained herein is in derogation of Celtic Bank's right to comply with governmental, court and law enforcement requests, or requirements relating to your use of the Celtic Bank website, mobile app or information provided to or gathered by Celtic Bank with respect to such use.

If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Celtic Bank with respect to the Celtic Bank website or mobile app and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Celtic Bank with respect to the Celtic Bank website and mobile app. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Trademarks

The trademarks, logos and service marks displayed on the Celtic Bank website and mobile app are either trademarks or registered trademarks of Celtic Bank and others. Nothing contained on the Celtic Bank website or mobile app should be construed as granting, by implication, estoppel, or otherwise, any license or right to use a trademark or registered trademark displayed on the Celtic Bank website or mobile app without the written permission of Celtic Bank or such third party that may own the trademark or registered trademark displayed on the Celtic Bank website or mobile app. Your misuse of the trademarks or registered trademarks displayed on the Celtic Bank website and mobile app is strictly prohibited.

Any rights not expressly granted herein are reserved.

Last Updated: April 2019