Website Banking Disclaimers and Legal Notices
The words "we", "us" and "our" refer to Midland Financial Advisors, Inc., its parents and subsidiaries, and any agent, independent contractor or assignee Midland Financial Advisors, Inc., may, in its sole discretion, involve in the provision of this web site www.midlandfa.com. The words "you" and "your" refers to visitors and users of this web site. A reference to the term "web site" includes any Midland Financial Advisors, Inc., web site or service associated with, or which may be accessed directly or indirectly in connection with, Midland Financial Advisors, Inc., 's web site or its related web sites.
By using the web site, you are entering into a legal agreement with Midland Financial Advisors, Inc., to abide by these terms of service. If you do not wish to be bound by the terms of service, please exit the web site now. Your sole remedy for dissatisfaction with the web site, or anything available on the web site, is to stop using the web site or the particular services.
Certain services available in connection with the web site may contain terms of service that are more restrictive than these terms of service. Both these terms of service and terms of service specific to that certain service apply to your use of this web site. In the event of a conflict between these terms of service and more restrictive terms of service, the more restrictive terms of service shall control.
Midland Financial Advisors, Inc., reserves the right to change the terms of service or policies regarding the use of the web site at any time and to notify you by posting an updated version of the terms of service on this web site. You are responsible for regularly reviewing the terms of service. Continued use of the web site after any such changes shall constitute your consent to such changes.
Use of Site
You may use the web site for lawful purposes only. You are responsible for obtaining and maintaining all telephone, computer hardware, and other equipment needed for access to and use of the web site and all charges related to that equipment. You understand that Midland Financial Advisors, Inc., has the right at any time to change or discontinue without notice any aspect, feature, or function of the website, including, but not limited to, content, hours of availability, and equipment needed for access or use. Midland Financial Advisors, Inc., may discontinue or make changes in the information, products or services described herein at any time. Any dated information is published as of its date only, and Midland Financial Advisors, Inc., does not undertake any obligation or responsibility to update or amend any such information. Midland Financial Advisors, Inc., reserves the right to terminate any or all web offerings without prior notice to the user. Furthermore, by offering information, products, or services via this web site, no solicitation is made by Midland Financial Advisors, Inc., to any person to use such information, products, or services in jurisdictions where the provision of such information, products, or services is prohibited by law. The products and services described on the website are available only in the United States and other countries where permitted by law. Not all products and services offered through this website will be available in all geographic areas.
The works of authorship contained in this web site, including, but not limited to, all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Midland Financial Advisors, Inc., its parents, or one of its subsidiaries. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without the prior written consent of Midland Financial Advisors, Inc., except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. Sect. 107), as amended. However, you may download or make one copy of the downloadable materials displayed on the web site, provided that the same are not used for any commercial purpose, distributed to third parties or offered for sale to third parties, and further provided that all copyright and other notices contained in the materials are left intact. Any modification of the materials contained on the web site, or any portion thereof, or use of the materials for any other purpose constitutes an infringement of copyrights and other proprietary rights of Midland Financial Advisors Inc. "Liv" and "Believable Banking" are trademarks of Midland States Bancorp, Inc.
Notwithstanding the above restrictions, financial publications (publishers of, or writers for, magazines, newspapers and other printed materials related in whole or in part to the financial services and banking industry) may download a copy of the biographical information, including all text and photographs, of the members of the Midland Financial Advisors, Inc., executive management team displayed on this web site (the "biographical content"). Financial publications may download the biographical content solely for the purpose of displaying the biographical content in connection with the corresponding Midland Financial Advisors, Inc., executive in the financial publication. The biographical content is provided "as is", may not be altered or modified in any way, and must be used in its entirety with respect to each Midland Financial Advisors, Inc., executive.
This is a license only and not a transfer of title to any of the biographical content. Midland Financial Advisors, Inc., owns all rights in and to the biographical content. As a condition of this license, the individual or entity downloading the biographical content of one or more of the Midland Financial Advisors executives consents to Midland Financial Advisors’ approval or disapproval of any use thereof that Midland Financial Advisors, Inc., finds objectionable, in its sole discretion. Midland Financial Advisors, Inc., reserves the right, in its sole discretion, to terminate access to any or all of the biographical content or any portion thereof, at any time, by providing written notice (whether by mail, courier, hand delivery or electronic delivery) to the financial publication. Upon receipt of such notice, the financial publication shall immediately cease all downloading and other use of the biographical content, destroy all copies (whether printed or electronic, and whether partial or whole) of the biographical content and all publications containing such biographical content, and if requested by Midland Financial Advisors, Inc., print a retraction in the financial publication and take any other corrective actions requested by Midland Financial Advisors, Inc., in its sole discretion.
The individual or entity downloading the biographical content agrees that it will not be used in connection with content that is libelous or otherwise unlawful, abusive, immoral, vulgar, obscene or threatening material, or content that will constitute or encourage conduct that would be considered criminal. Such individual or entity shall remain solely responsible for the content of any publication containing the biographical content of any Midland Financial Advisors, Inc., executive, and, as a condition of the license granted herein, and as partial consideration therefor, shall indemnify, defend, and hold harmless, Midland Financial Advisors, Inc., and its affiliates, and the officers, directors, employees, agents and representatives of any of the foregoing (including but not limited to all Midland Financial Advisors, Inc., executives) for any claim based on such content.
Disclaimers / Limitation of Liability.
Your use of any aspect of the web site is at your own risk. Midland Financial Advisors, Inc., does not represent or warrant and will not be liable for (a) any error or omission of Midland Financial Advisors, Inc., , or any act or omission of any third party web site; (b) any error, delay, interruption, operational problem, unavailability or failure in the web site, any web site component, or any directly or indirectly related equipment, system, programming or network account, unless Midland Financial Advisors, Inc., specifically accepts liability elsewhere on the web site; (c) any viruses or other code or component that may affect your computer system or other property as a result of your use of the web site; (d) or that the results of the use of the web site or the materials made available as part of the web site will be correct, accurate, timely or otherwise reliable.
You specifically agree that Midland Financial Advisors, Inc., shall not be responsible for unauthorized access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through the web site, unless Midland Financial Advisors, Inc., specifically agrees elsewhere to be liable for the aforementioned items.
MIDLAND FINANCIAL ADVISORS, INC., MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS AND ACCURACY OF THE WEB SITE FOR ANY PURPOSE. THE WEB SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. MIDLAND FINANCIAL ADVISORS, INC., AND / OR THE RESPECTIVE THIRD PARTY WEB SITES HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE WEB SITE, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
IN NO EVENT SHALL MIDLAND FINANCIAL ADVISORS, INC., 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 WEB SITE OR RELATED WEB SITES; DAMAGES RELATING TO THE DELAY OR INABILITY TO USE THE WEB SITE OR RELATED WEB SITES; DAMAGES RELATING TO THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION OR SERVICES OBTAINED THROUGH THE WEB SITE; OR DAMAGES OTHERWISE ARISING OUT OF THE USE OF THE WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF MIDLAND FINANCIAL ADVISORS, INC., HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES / JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEB SITE, OR WITH ANY OF THESE TERMS OF SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEB SITE AND ITS RELATED WEB SITES.
Risk of Loss.
In the event of a system failure or interruption, including but not limited to acts of god, your data may be lost or destroyed. Any transactions initiated by You that were in the process of completing, or completed before a system failure or interruption should be verified by You through means other than online to ensure the accuracy and completeness of those transactions. You assume the risk of loss of any data during any system failure or interruption and the responsibility to verify the accuracy and completeness of any transactions so affected.
Use, Collection, and Retention of Customer Information.
Third Party Web Sites.
Midland Financial Advisors, Inc., is a distributor (and not a publisher) of certain content that is supplied by third parties through this Site. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties are those of the respective authors or distributors and not of Midland. The web site includes links to sites on the Internet that are owned or operated by third parties ("third party web sites"). When following a link to a third party web site, you do so at your own risk and should review and determine if you agree to such party's rules of use before using such web site. You also agree that Midland Financial Advisors, Inc., has no control over the content of that web site and cannot assume any responsibility for material created or published on third party web sites. Midland Financial Advisors, Inc., makes no warranties, either express or implied, concerning the content of such third party web sites, including the accuracy, completeness, reliability or suitability thereof for any particular purpose. Nor does Midland Financial Advisors, Inc., warrant that such third party web sites or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such web site or content is devoid of viruses or other contamination. Any transaction you conduct using the third party web site or through the web site are transactions entered into solely between you and the third party web site to which you are linked. Midland Financial Advisors, Inc., has no liability whatsoever for activities associated with such transactions. In some instances, Midland Financial Advisors, Inc., may receive a referral fee in connection with the third party web site. MIDLAND FINANCIAL ADVISORS, INC., DOES NOT PROVIDE, ENDORSE OR GUARANTY ANY OF THE INFORMATION, RECOMMENDATIONS, PRODUCTS, OR SERVICES OF ANY THIRD PARTIES OR THIRD PARTY WEB SITES, NOR DOES IT ACCEPT ANY LIABILITY IN CONNECTION WITH THE SECURITY MEASURES EMPLOYED BY SUCH THIRD PARTIES OR THIRD PARTY WEB SITES.
You agree to indemnify, defend, and hold harmless Midland Financial Advisors, Inc., its parents, subsidiaries, affiliates, and the respective employees, directors, officers and agents of each, against any and all claims, demands, damages, or costs or expenses (including reasonable attorneys' fees) that arise directly or indirectly from your breach of these terms of service or arising out of your use or conduct on the web site.
You understand and agree that use of, or connection to, the Internet is inherently insecure and that connection to the Internet provides opportunity for unauthorized access by a third party to your computer systems, networks, and any and all information stored therein. You understand that the technical processing and transmission of the web site, including your content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. All information transmitted and received through the Internet is subject to unauthorized interception, diversion, corruption, loss, access, and disclosure. Midland Financial Advisors, Inc., shall not be responsible for any adverse consequences whatsoever of your connection to, or use of, the Internet, and shall not be responsible for any use by you of an Internet connection in violation of any law, rule, or regulation or any violation of the intellectual property rights of another.
E-mail may not be secure, so please do not use e-mail to send us communications which contain confidential information such as an account number, a Social Security Number, a PIN or password, or communications which require immediate attention. If you have questions about your existing Midland Financial Advisors, Inc., account, please call us instead.
Tools & Calculators.
This website contains financial tools and calculators. Midland Financial Advisors, Inc., provides these tools and calculators as a service to users, for educational purposes only. Midland Financial Advisors, Inc., does not guarantee the accuracy of the calculators or the results. Midland Financial Advisors, Inc., is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of the tools and calculators. Midland Financial Advisors, Inc., does not retain any information you enter into financial tools and calculators.
The Site is not targeted to children (people under thirteen years of age), nor do we provide services or sell products intended for use or purchase by children. To the extent that any child-related services or products are available on the web site, they are for use or purchase by adults.
These terms of service and the relationship between you and Midland Financial Advisors, Inc., shall be governed by the laws of the State of Illinois without regard to its conflict of law provisions and any applicable federal laws or regulations. You and Midland Financial Advisors, Inc., agree to submit to the personal and exclusive jurisdiction of the courts located within Effingham County, Illinois.
These terms of service, as well as any written and signed agreements which you may have with Midland Financial Advisors, Inc., constitute the entire agreement between you and Midland Financial Advisors, Inc., with respect to the web site and governs your use of the web site. You also may be subject to additional terms and conditions that may apply when you use affiliate services, third-party content, or third-party software. The failure of Midland Financial Advisors, Inc., to exercise or enforce any right or provision of these terms of service shall not constitute a waiver of such right or provision. If any provision of these terms of service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of these terms of service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of, or related to, use of the web site or these terms of service must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in these terms of service are for convenience only and have no legal or contractual effect.
The primary federal regulator for Midland Financial Advisors, Inc., is the Federal Reserve Bank of St. Louis.