Terms of Use
We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site, or any pages therein.
Illegal Use
Unauthorized use of Kalamazoo County State Bank’s website and systems including but not limited to unauthorized entry into our Internet banking system, internal network, misuse of passwords, or misuse of any information posted on our website is strictly prohibited.
Website Content
Any and all information, materials, product offerings, services, terms and conditions are subject to change without notice.
Not all products and services advertised on this website are available in all geographic areas. We reserve the right to determine your eligibility for any product or service.
This website is not directed to children, although we may periodically advertise special accounts that may be appropriate for children. Parents of children interested in any of our online services should contact us at one of our many office locations.
Linked 3rd Party Sites
Kalamazoo County State Bank maintains this website to provide you with information about our products and services.  For your convenience, we may also provide links to various third parties websites that may be of interest to you.  Kalamazoo County State Bank does not control linked third party sites. When you click on links to third party sites, you will leave our website and will be redirected to another site.  Linking to other third party sites is at your own risk. The content on linked sites may change without notice.
We suggest that you always verify the information obtained from linked sites before acting upon this information.  Kalamazoo County State Bank is not an agent for linked third parties nor do we endorse or guarantee their products and services.  The products and services offered by linked third parties are not products of Kalamazoo County State Bank and are not insured by any governmental agency such as the FDIC.
Also, please be aware that the security and privacy policies on linked sites may be different from our policies, so please read third party privacy and security policies closely.  If you have any questions or concerns about the products and services offered on linked third party sites, please contact the third party directly.   
Investment Products
We may provide links to Investment or Securities companies, which offer products such as stocks, bonds, mutual funds, and annuities. These investment companies are not affiliated with this institution. Furthermore, investment products offered through this website:
• Are NOT Kalamazoo County State Bank deposits.
• Are NOT insured by any governmental agency such as the FDIC.
• Are NOT obligations of or guaranteed by Kalamazoo County State Bank.
• Involve investment risks, including the possible loss of some or the entire principal amount invested.
Insurance Products
We may also provide links to companies which offer insurance products. This financial institution, its affiliated companies, and/or other unaffiliated third parties may offer these products. Please note that insurance and annuity products offered through this site:
• Are NOT deposits, obligations of, or guaranteed by Kalamazoo County State Bank or any of its affiliates.
• Are NOT insured by Kalamazoo County State Bank, the FDIC, or any other agency of the United States.
• Certain insurance products, such as annuities, may have investment risk, including the possible loss of value.
• The purchase of an insurance product is not a condition to any loan, product or service offered by Kalamazoo County State Bank, its affiliates, or nonaffiliated third party.
Use of Information Submitted Through the Website
Any communication or material that you transmit to us through this website or through electronic mail may be used only by Kalamazoo County State Bank for the purposes described in our privacy policy.   All information submitted to our website shall be considered and shall remain the property of Kalamazoo County State Bank; this information will only be used internally for the purpose intended or as allowed by law.
Kalamazoo County State Bank shall be free to use, for any purpose, any idea, concept, know-how or technique contained in information submitted by a visitor to us through this website and Kalamazoo County State Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by direct customer relationship, or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Kalamazoo County State Bank responsibilities and obligations to customers in accordance with our privacy policy.
If you need to communicate personal or confidential information, please do not use the email feature on this website, it is not a secure email service. Instead contact us by telephone, or you may use the secure mail feature within our Internet Banking Service.
No Warranties
Any dated information on this site is “As Of” its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information, DATED OR OTHERWISE, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS.
All information, materials AND services contained in this site, including graphics, links, AND ANY other items are provided “AS IS”, “AS AVAILABLE” to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property, fitness for any particular purpose, AND FREEDOM FROM COMPUTER VIRUS.
Trademark Notices
All registered and unregistered trademarks are the sole property of their respective owners.  Unauthorized reproduction in whole or part is prohibited.  Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on the site for commercial or public purposes.
Copyright Notices 
Kalamazoo County State Bank owns copyright in the pages, screens, text, sound recordings, and images appearing at this site unless otherwise indicated.
Limitation of Liability
KALAMAZOO COUNTY STATE BANK will under no circumstances be liable to you and/or any third party for any damages including without limitation direct or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if Kalamazoo County State Bank has been advised of the possibility of such damages.
FURTHERMORE, KALAMAZOO COUNTY STATE BANK will not be liable for any difficulty in use, or for the incompatibility between this website and YOUR WEB BROWSER OR OTHER site accessing program.  Nor will KALAMAZOO COUNTY STATE BANK be liable for any other problems you experience due to causes beyond our control.
No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and Kalamazoo County State Bank.
Governing Law
This agreement shall be governed by and construed in accordance with federal statutes and the laws of the State of Michigan. 

This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. 

Additional Terms 

Certain services or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those services or pages.
Date Last Modified:  February 11, 2010