Terms of Use
PLEASE READ THESE TERMS OF USE CAREFULLY. By accessing or using the Windward Bank website, windwardbank.com, and its pages (“Site”) you agree to be bound by these terms of use, as they may be modified from time to time by Windward Bank and posted on this Site. IF YOU DO NOT AGREE TO THESE TERMS OF USE, DISCONTINUE YOUR USE OF THIS SITE.
USE OF INFORMATION AND MATERIALS
Windward Bank, the digital banking division of Martha’s Vineyard Bank (sometimes referred to herein as “we”, “us”, “our” or “Bank”) maintains this Site to provide you with information about our products and services and to facilitate communication with you. Product offers, rates, terms and other information provided on the Site are subject to change without notice. We reserve the right to change, update, add or remove portions of these Terms of Use at any time without notice. Please check this Site periodically for changes. The date on which these Terms of Use was last revised is June 28, 2024.
AVAILABILITY OF PRODUCTS AND SERVICES
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. We reserve the right to determine eligibility for any product or service in our sole discretion, except where prohibited by law.
CONFIDENTIALITY AND USER COMMUNICATIONS
We welcome your comments and suggestions, however you should never send confidential or sensitive information to us via email or through our chat functionality unless you are an existing customer and are utilizing our secure email or secure chat functionality within our online banking platform. We will use reasonable efforts to keep any sensitive communication or material you transmit to us via the Site confidential, except as required by law or as otherwise specifically agreed. For information regarding our privacy practices please refer to the Bank’s Privacy Policy. You agree that your feedback, comments, suggestions, and similar submissions containing non-personal information will be the property of the Bank and will not be treated as confidential and the Bank may use information contained in any such submissions for any lawful purpose.
ANALYTICS AND TRACKING
The Bank may use the services of third parties, such as Google Analytics which offer analytics and tracking technology services. We may use these services to gather information such as browser type and operating system, track the number of visitors to the Site, customize the Site for visitors, and understand how visitors use the Site. By accessing or using the Site, you consent to the collection of information about your use of the Site by us and our third-party vendors.
NO WARRANTIES
The information on the site is provided “as is” and “as available”, without warranty of any kind either express, implied or statutory, including but not limited to any warranties of merchantability, fitness for a particular purpose, or non-infringement. The Bank does not warrant the accuracy, adequacy, or completeness of the information and expressly disclaims liability for errors or omissions in this information.
LIMITATION OF LIABILITY
By using the site, you acknowledge that the Bank specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of or inability to use the site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if the Bank, or representatives thereof, are advised of the possibility of such damages, losses or expenses.
LINKS TO OTHER SITES
The Site may contain links to other websites operated by third parties. We provide links to other sites as a convenience. The linked sites are not under our control, and we are not responsible for the products and services, privacy policy, security or content available on the third-party sites. We explicitly disclaim all liability for damages of any kind arising out of the use of such linked sites The Bank prohibits caching, unauthorized hypertext links to the Site, and the framing of any content available through the Site.
OWNERSHIP OF COPYRIGHT AND TRADEMARKS
Copyright in the pages, screens, text and images appearing at the Site, and their arrangement, is owned by the Bank (or others as indicated) and is protected by U.S. and international copyright laws. “Windward Bank”, the Windward Bank Logo, are trademarks of the Bank. Other trademarks, logos and service marks (“Marks”) displayed on the Site are the property of the Bank and/or other parties and are protected by federal and state laws. Users are prohibited from using any Marks or copyrighted material for any purpose without the prior written permission of the Bank, and users are specifically prohibited from modifying, copying, distributing, transmitting, displaying, creating derivative works or using any content available on or through the Site for commercial or public purposes.
GOVERNING LAW
By visiting and using this Site you agree that your use of this Site, as well as any account you may open at the Bank, shall be governed by the laws of the Commonwealth of Massachusetts without regard to conflicts of law principles. For any disputes arising out of the use of the Site which are brought in court, you agree that the courts sitting in the Commonwealth of Massachusetts shall have exclusive jurisdiction over all such disputes.
FAQs
Here are a few answers to frequently asked questions
Digital banks offer convenience, lower fees, higher interest rates on savings accounts, and innovative features such as mobile check deposit. You can manage your finances anytime, anywhere, without needing to visit a physical office.
Opening an account with us is simple and can be done entirely online. Just visit our website or download our mobile app, follow the instructions, and provide the necessary information. You may need to verify your identity using government-issued ID and other documents.
Yes, digital banks use advanced security measures such as multi-factor authentication and encryption to ensure the safety of your transactions and personal information. Additionally, digital banks are regulated by financial authorities that oversee traditional banks with physical locations.
A digital bank is a financial institution that operates entirely online without physical locations. It provides banking services such as savings accounts, checking accounts, loans, and investment opportunities through digital channels like websites and mobile apps.
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Fully Insured**
Every Windward Bank account of any amount is 100% insured with FDIC and DIF
Certified B-Corporation
The B Corp Declaration of Interdependence
We envision a global economy that uses business as a force for good. This economy is comprised of a new type of corporation – the B Corporation – which is purpose-driven and creates benefit for all stakeholders, not just shareholders.
As Certified B Corporations and leaders of this emerging economy, we believe:
- We must be the change we seek in the world.
- All business ought to be conducted as if people and place mattered.
- Through their products, practices, and profits, businesses should aspire to do no harm and benefit all.
- To do so requires that we act with the understanding that we are each dependent upon another and thus responsible for each other and future generations.