Terms of Use
E-Sign Agreement Consent Agreement
Introduction
This E-SIGN Consent Agreement (“Agreement”) allows us to provide you with electronic versions of important notices and documents associated with opening an account at Continental Bank. Certain laws and regulations require us to provide notices and disclosures to you in “writing” (traditionally this is defined as a paper notice); with your consent, the E-SIGN Act allows us to provide these documents to you electronically. This disclosure only applies to this single transaction. It does not apply to any other products or services you may have with Continental Bank.
System Requirements
By consenting to this agreement, you confirm that your Access Device meets the minimum specifications and requirements necessary to view and retain your electronic documents
To access your electronic documents on a mobile device, you will need:
• A mobile device with any of the following operating systems: Android or iOS (iPhone).
• A data plan provided by your wireless carrier and an up-to-date mobile internet browser that is compatible with, and supported by, your operating system (e.g., Chrome or Safari).
• If you wish to view .pdf files on your mobile device, you will need software that accurately reads and displays .pdf files (such as the mobile version of Adobe Reader).
• A printer and/or storage device if you wish to print or retain any electronic documents.
To access your electronic documents on a traditional computer, you will need:
• A computer with any of the following operating systems: Windows XP or higher, OS X (Apple Macintosh) or higher.
• An internet connection and an up-to-date internet browser that is compatible with, and supported by, your operating system (e.g., Internet Explorer, Firefox, Google Chrome, or Safari).
• Software that accurately reads and displays .pdf files (such as Adobe Reader).
• A printer and/or storage device if you wish to print or retain any electronic documents.
Changes to system requirements
We will notify you if our hardware or software requirements change and whether that change creates a material risk that you would not be able to access or retain your electronic documents. Continuing the application process after receiving notice of the change is the reaffirmation of your consent to this Agreement
Electronic Delivery of Documents
Electronic documents will be delivered to you within the application process in a .pdf document. You must download and open the electronic documents to proceed with your application and you are strongly encouraged to save or print the documentation for future reference.
Requesting Paper Copies of Documents Presented Electronically
You agree and understand that paper versions of electronically presented documents may not be mailed unless you specifically request it. To request a paper copy of any disclosure, notice, or other document, contact us at 801-595-7000. Copies of disclosures, service agreements, and account agreements will be mailed at no charge.
Withdrawal of Your Consent
You may withdraw your consent to this Agreement at any time. To withdraw your consent prior to completing your application, simply exit this session prior to accepting this Agreement. To withdraw your consent after you have already submitted your application, you must call us at 801-595-7000.
If you withdraw your consent to this Agreement you will no longer receive the electronic presentment of any documents.
Please contact us at 801-595-7000 if you have difficulties accessing or viewing electronic documents on your selected Access Device.
Acceptance
You will be asked to acknowledge your acceptance of these terms by checking the box before you are able to continue with your application. In doing so, you are confirming that you meet the system requirements described above, that you have demonstrated your ability to receive, retain, and view electronic documents on your Access Device, and that you have an active and valid email address.
This E-SIGN Consent Agreement (“Agreement”) allows us to provide you with electronic versions of important notices and documents associated with opening an account at Continental Bank. Certain laws and regulations require us to provide notices and disclosures to you in “writing” (traditionally this is defined as a paper notice); with your consent, the E-SIGN Act allows us to provide these documents to you electronically. This disclosure only applies to this single transaction. It does not apply to any other products or services you may have with Continental Bank.
System Requirements
By consenting to this agreement, you confirm that your Access Device meets the minimum specifications and requirements necessary to view and retain your electronic documents
To access your electronic documents on a mobile device, you will need:
• A mobile device with any of the following operating systems: Android or iOS (iPhone).
• A data plan provided by your wireless carrier and an up-to-date mobile internet browser that is compatible with, and supported by, your operating system (e.g., Chrome or Safari).
• If you wish to view .pdf files on your mobile device, you will need software that accurately reads and displays .pdf files (such as the mobile version of Adobe Reader).
• A printer and/or storage device if you wish to print or retain any electronic documents.
To access your electronic documents on a traditional computer, you will need:
• A computer with any of the following operating systems: Windows XP or higher, OS X (Apple Macintosh) or higher.
• An internet connection and an up-to-date internet browser that is compatible with, and supported by, your operating system (e.g., Internet Explorer, Firefox, Google Chrome, or Safari).
• Software that accurately reads and displays .pdf files (such as Adobe Reader).
• A printer and/or storage device if you wish to print or retain any electronic documents.
Changes to system requirements
We will notify you if our hardware or software requirements change and whether that change creates a material risk that you would not be able to access or retain your electronic documents. Continuing the application process after receiving notice of the change is the reaffirmation of your consent to this Agreement
Electronic Delivery of Documents
Electronic documents will be delivered to you within the application process in a .pdf document. You must download and open the electronic documents to proceed with your application and you are strongly encouraged to save or print the documentation for future reference.
Requesting Paper Copies of Documents Presented Electronically
You agree and understand that paper versions of electronically presented documents may not be mailed unless you specifically request it. To request a paper copy of any disclosure, notice, or other document, contact us at 801-595-7000. Copies of disclosures, service agreements, and account agreements will be mailed at no charge.
Withdrawal of Your Consent
You may withdraw your consent to this Agreement at any time. To withdraw your consent prior to completing your application, simply exit this session prior to accepting this Agreement. To withdraw your consent after you have already submitted your application, you must call us at 801-595-7000.
If you withdraw your consent to this Agreement you will no longer receive the electronic presentment of any documents.
Please contact us at 801-595-7000 if you have difficulties accessing or viewing electronic documents on your selected Access Device.
Acceptance
You will be asked to acknowledge your acceptance of these terms by checking the box before you are able to continue with your application. In doing so, you are confirming that you meet the system requirements described above, that you have demonstrated your ability to receive, retain, and view electronic documents on your Access Device, and that you have an active and valid email address.
Website Information Disclosure
The information contained in this website is for general information purposes only. The information is provided by Continental Bank and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
In no event will Continental Bank be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of any kind or nature arising out of, or in connection with, the use of this website.
In no event will Continental Bank be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of any kind or nature arising out of, or in connection with, the use of this website.
Information about opening a CD account
To help the United States Government fight terrorism and money laundering, Federal law requires us to obtain, verify, and record information that identifies each person that opens an account. What this means for you: when you open an account, we will ask for your name, a street address, date of birth, and an identification number, such as a Social Security number. We may also ask to see your driver's license or other identifying documents that will allow us to identify you. We appreciate your cooperation.
Please review the current Continental Bank Privacy Notice by clicking the link.
Online Privacy Statement
Effective Date: June 28, 2018
"Continental Bank", "we", "our", or "us" means Continental Bank and its agents or assigns worldwide. Continental is
committed to respecting your privacy, and we take the responsibility of protecting your personal and
financial information seriously. This Online Privacy Statement (“Statement”) applies to www.cbankus.com,
including the web sites, features, applications, online services and functionality available via www.cbankus.com
that post a link to this Statement, whether accessed via computer, mobile device or otherwise (collectively, the
“Site”), and explains how Continental collects, uses, and shares information from or about you when you visit the
Site. The Site is owned or controlled by Continental and Continental is the commercial operator of this Site,
although software, hosting, and other functions and content may be provided by Continental service providers
("Service Providers") or other companies affiliated with Continental or merely in a business relationship with Continental.
"Continental Bank", "we", "our", or "us" means Continental Bank and its agents or assigns worldwide. Continental is
committed to respecting your privacy, and we take the responsibility of protecting your personal and
financial information seriously. This Online Privacy Statement (“Statement”) applies to www.cbankus.com,
including the web sites, features, applications, online services and functionality available via www.cbankus.com
that post a link to this Statement, whether accessed via computer, mobile device or otherwise (collectively, the
“Site”), and explains how Continental collects, uses, and shares information from or about you when you visit the
Site. The Site is owned or controlled by Continental and Continental is the commercial operator of this Site,
although software, hosting, and other functions and content may be provided by Continental service providers
("Service Providers") or other companies affiliated with Continental or merely in a business relationship with Continental.
PLEASE CAREFULLY READ THIS STATEMENT BEFORE USING THE SITE,
AS IT AFFECTS YOUR LEGAL RIGHTS AND OBLIGATIONS.
AS IT AFFECTS YOUR LEGAL RIGHTS AND OBLIGATIONS.
This Statement does not apply to any other web sites or any offline activities by Continental (unless
specifically stated). In addition to this Statement, you may receive and be covered by the Continental Consumer Privacy
Notice, as well as other privacy disclosures that we provide to you with account opening documents.
This Statement describes the types of information Continental collects from visitors to the Site and what we do
with this information. This Statement applies solely to information that visitors provide through our Site. This
Statement does not apply to other data we collect, including data collected on other sites, such as separate sites
operated by Continental, our affiliates or business partners, or information visitors may provide to us through
e-mail or other means.
specifically stated). In addition to this Statement, you may receive and be covered by the Continental Consumer Privacy
Notice, as well as other privacy disclosures that we provide to you with account opening documents.
This Statement describes the types of information Continental collects from visitors to the Site and what we do
with this information. This Statement applies solely to information that visitors provide through our Site. This
Statement does not apply to other data we collect, including data collected on other sites, such as separate sites
operated by Continental, our affiliates or business partners, or information visitors may provide to us through
e-mail or other means.
Information Collection
When you visit our Site, we collect the IP address of the device you use to connect to the Internet. In addition,
we gather information such as what browser you’re using, the type of operating system you have, and which
site you came from. This information helps us tailor your online experience to best match your device.
In addition to the above information, we may also gather personal information that you provide to us, including,
but not limited to, your name, address, social security number, date of birth, phone number, and email address.
We may gather such information, for example, when you use the Site to apply for and/or use Continental
banking products and services or participate in Continental events or promotions(including, without limitation,
webinars and online surveys), or otherwise provide information requested on the Site.
Collecting this personal information enables us to offer you online experiences and products that we believe may
help you with your financial needs. We use this information to better tailor and personalize our service and
marketing communications with you, both online and offline. We may also use your personal information for our
business purposes(for example, to develop new products, improve the Site, and analyze data collected through
the Site), as well as for risk management and for legal compliance purposes.
Some third parties may collect your personal information when you visit this Site.
we gather information such as what browser you’re using, the type of operating system you have, and which
site you came from. This information helps us tailor your online experience to best match your device.
In addition to the above information, we may also gather personal information that you provide to us, including,
but not limited to, your name, address, social security number, date of birth, phone number, and email address.
We may gather such information, for example, when you use the Site to apply for and/or use Continental
banking products and services or participate in Continental events or promotions(including, without limitation,
webinars and online surveys), or otherwise provide information requested on the Site.
Collecting this personal information enables us to offer you online experiences and products that we believe may
help you with your financial needs. We use this information to better tailor and personalize our service and
marketing communications with you, both online and offline. We may also use your personal information for our
business purposes(for example, to develop new products, improve the Site, and analyze data collected through
the Site), as well as for risk management and for legal compliance purposes.
Some third parties may collect your personal information when you visit this Site.
Cookies
Cookies are pieces of information stored by your Internet browser directly on the computer you are using.
Cookies are widely used and most browsers are set up to accept them automatically. The information they
gather helps us improve your online experience by allowing us to:
• Offer you more relevant products and services;
• Collect technical and navigational information, such as browser type, time spent on our Site and pages visited;
• Monitor viewing and responses to our advertisements. Cookies and other technologies provide us the capability
to monitor the use of our Site so we can continually improve the design and functionality to better serve you. If
you would prefer, you can choose to not accept cookies. (Follow your browser’s instructions for disabling or
deleting cookies.)
Please note: If you choose not to accept cookies from our Site, you may not be able to access all or part of the Site, or
benefit from the information and services offered. If you choose not to accept cookies, you will still see advertisements on
our site; however, they will not be tailored to our perception of your interests or needs.
Cookies are widely used and most browsers are set up to accept them automatically. The information they
gather helps us improve your online experience by allowing us to:
• Offer you more relevant products and services;
• Collect technical and navigational information, such as browser type, time spent on our Site and pages visited;
• Monitor viewing and responses to our advertisements. Cookies and other technologies provide us the capability
to monitor the use of our Site so we can continually improve the design and functionality to better serve you. If
you would prefer, you can choose to not accept cookies. (Follow your browser’s instructions for disabling or
deleting cookies.)
Please note: If you choose not to accept cookies from our Site, you may not be able to access all or part of the Site, or
benefit from the information and services offered. If you choose not to accept cookies, you will still see advertisements on
our site; however, they will not be tailored to our perception of your interests or needs.
Flash Objects
Continental uses Flash objects (also known as “Local Shared Objects”) in two ways:
• For the online authentication process, we use Flash objects to assist in recognizing you and your computer when
you come back to our Site.
• For pages using Adobe® Flash® content (moving content in demos and tutorials), Flash objects are used to
determine your browser type and version of Adobe Flash allowing you to view the content.
Flash objects are not deleted when cookies are deleted. Deleting Flash objects from our Site may cause you to be unable
to access or use all or part of the Site or benefit from information or services offered. If you would like to delete Flash
objects, please follow the instructions provided by Adobe.
• For the online authentication process, we use Flash objects to assist in recognizing you and your computer when
you come back to our Site.
• For pages using Adobe® Flash® content (moving content in demos and tutorials), Flash objects are used to
determine your browser type and version of Adobe Flash allowing you to view the content.
Flash objects are not deleted when cookies are deleted. Deleting Flash objects from our Site may cause you to be unable
to access or use all or part of the Site or benefit from information or services offered. If you would like to delete Flash
objects, please follow the instructions provided by Adobe.
Additional Technologies
We may use third-party advertising service providers who may advertise on our Site using web beacons. A web beacon
is placed on a web page to set HTML cookies and can capture information such as IP address, time, web browser, time
zone, and domain. We may also implement additional technologies to capture other data. This information helps us
understand how customers use our Site.
is placed on a web page to set HTML cookies and can capture information such as IP address, time, web browser, time
zone, and domain. We may also implement additional technologies to capture other data. This information helps us
understand how customers use our Site.
Protecting Children’s Privacy Online
We feel strongly about protecting the privacy of children. As such, we do not knowingly collect personally identifiable
information from children under 13 without parental consent. This Site is not directed to or intended for individuals
under 13 years of age. If you are under the age of 13, please do not provide personally identifiable information of any
2 kind whatsoever.
information from children under 13 without parental consent. This Site is not directed to or intended for individuals
under 13 years of age. If you are under the age of 13, please do not provide personally identifiable information of any
2 kind whatsoever.
California Residents
Continental does not share California residents’ personal information with affiliates or third parties for the affiliates’ or
third parties’ direct marketing purposes.
Information Security
We have policies restricting access to nonpublic personal information about you to those employees and Service
Providers who have a need to know such information (e.g., to process your transactions or provide services to you). We
and our Service Providers have implemented and maintained physical, electronic, and procedural safeguards designed to
protect against loss or unauthorized access, disclosure, alteration or destruction of the information you provide on our
Site.
third parties’ direct marketing purposes.
Information Security
We have policies restricting access to nonpublic personal information about you to those employees and Service
Providers who have a need to know such information (e.g., to process your transactions or provide services to you). We
and our Service Providers have implemented and maintained physical, electronic, and procedural safeguards designed to
protect against loss or unauthorized access, disclosure, alteration or destruction of the information you provide on our
Site.
Maintaining Accurate Information
We have procedures in place that help us to maintain the accuracy of the personally identifiable information we collect.
Please contact your branch or account representative, or call our customer service center, if you
believe that our information about you is incomplete, out-of-date, or incorrect contact us.
Please contact your branch or account representative, or call our customer service center, if you
believe that our information about you is incomplete, out-of-date, or incorrect contact us.
Advertising
We use our Site to advertise our products and services. We strive to place ads where we think they will be most relevant
3 to our customers. We advertise on pages within our Site as well as on other unaffiliated websites. These advertisements
may be presented in the form of banner ads, splash ads (ads that appear as you sign on or sign off of your online
accounts), and other formats. These advertisements may include prescreened offers of credit. We may use information
about your relationship with us including the types of accounts you have, the state in which your bank or purchase activity
to customize advertisements that may be of interest to you.
We also may use advertising service providers to assist us in determining which of our advertisements most likely would
be of interest to you. For this purpose we use certain information and limit access and collection of information for
specific purposes by these providers. Information collected by our advertising service providers through cookies and
other technologies include:
• The number of people who look at each of the pages on the Site
• Search engine referrals
• Browsing patterns
• Products and offers viewed
• In-ad browsing and searching
• Video content viewed
• Responses to advertisements and promotions on the Site and on websites where we Advertise
3 to our customers. We advertise on pages within our Site as well as on other unaffiliated websites. These advertisements
may be presented in the form of banner ads, splash ads (ads that appear as you sign on or sign off of your online
accounts), and other formats. These advertisements may include prescreened offers of credit. We may use information
about your relationship with us including the types of accounts you have, the state in which your bank or purchase activity
to customize advertisements that may be of interest to you.
We also may use advertising service providers to assist us in determining which of our advertisements most likely would
be of interest to you. For this purpose we use certain information and limit access and collection of information for
specific purposes by these providers. Information collected by our advertising service providers through cookies and
other technologies include:
• The number of people who look at each of the pages on the Site
• Search engine referrals
• Browsing patterns
• Products and offers viewed
• In-ad browsing and searching
• Video content viewed
• Responses to advertisements and promotions on the Site and on websites where we Advertise
Online Behavioral Advertising and Tracking
We may engage in behavioral advertising for certain customized ads. These ads may be provided through information
collected by the placement of third-party websites cookies and other technologies. Companies that distribute our ads
are limited from using this information for any other purpose other than those necessary for our advertising purpose.
If you do not want to participate in our behavioral advertising efforts, log on to the Network Advertising Initiative’s
Opt-Out Tool website at http://www.networkadvertising.org/choices/. The site will analyze which cookies are stored in
your browser and provide a list of companies you can select to opt out of online behavioral advertising.
collected by the placement of third-party websites cookies and other technologies. Companies that distribute our ads
are limited from using this information for any other purpose other than those necessary for our advertising purpose.
If you do not want to participate in our behavioral advertising efforts, log on to the Network Advertising Initiative’s
Opt-Out Tool website at http://www.networkadvertising.org/choices/. The site will analyze which cookies are stored in
your browser and provide a list of companies you can select to opt out of online behavioral advertising.
Third Party Links
We may reference links in our content to other websites(including blogs, articles, products, services, news sites, and
other web sites) controlled by third parties who are not affiliated with Continental (Third-Party Sites). These Third-Party
Sites may not follow our same privacy, security, or accessibility standards.
We are not associated with the Third-Party Sites referenced and are not responsible for, or endorse or guarantee, the
content, web sites, products, services or operations of the Third-Party Sites or their affiliates.
We are not responsible for how these Third-Party Sites collect information. We cannot guarantee how these Third-Party
Sites use cookies, or if they place cookies on your computer that may identify you personally. We urge you to review the
privacy policies of each of the linked websites you visit before providing them with any personally identifiable information.
In addition to Continental Site referencing third-party links, periodically, third-party websites may products, services or
operations of third party sites linking to us. Continental does not guarantee and is not responsible for the privacy or
security of third party websites linking to our website, including the reliability, accuracy and completeness of the
information they provide
other web sites) controlled by third parties who are not affiliated with Continental (Third-Party Sites). These Third-Party
Sites may not follow our same privacy, security, or accessibility standards.
We are not associated with the Third-Party Sites referenced and are not responsible for, or endorse or guarantee, the
content, web sites, products, services or operations of the Third-Party Sites or their affiliates.
We are not responsible for how these Third-Party Sites collect information. We cannot guarantee how these Third-Party
Sites use cookies, or if they place cookies on your computer that may identify you personally. We urge you to review the
privacy policies of each of the linked websites you visit before providing them with any personally identifiable information.
In addition to Continental Site referencing third-party links, periodically, third-party websites may products, services or
operations of third party sites linking to us. Continental does not guarantee and is not responsible for the privacy or
security of third party websites linking to our website, including the reliability, accuracy and completeness of the
information they provide
Social Media
To enable online sharing and collaboration among our customers and community members, Continental uses social
media platforms such as Facebook® and Twitter®. All content you post and make available on these social media
platforms(including, without limitation, any personal information, pictures, or opinions) is subject to the Terms of Use
and Privacy Policies of those platforms. To better understand your rights and obligations with regard to such content,
please refer to them.
media platforms such as Facebook® and Twitter®. All content you post and make available on these social media
platforms(including, without limitation, any personal information, pictures, or opinions) is subject to the Terms of Use
and Privacy Policies of those platforms. To better understand your rights and obligations with regard to such content,
please refer to them.
Notice to Persons Accessing this Site Outside the United States
If you are accessing our website from a location outside of the United States, all information you provide on our Site will
be transferred out of your resident country into the United States. Do not provide information to us if you do not want
your personally identifiable information to leave your country. By providing personally identifiable information to us, you
are explicitly consenting to the transfer of your information to the United States and will be bound by United States law,
this Statement, and our Consumer Privacy Notice, available at www.cbankus.com.
be transferred out of your resident country into the United States. Do not provide information to us if you do not want
your personally identifiable information to leave your country. By providing personally identifiable information to us, you
are explicitly consenting to the transfer of your information to the United States and will be bound by United States law,
this Statement, and our Consumer Privacy Notice, available at www.cbankus.com.
Changes to this Notice
We may add to, delete, or change the terms of this Online Privacy Statement from time to time by posting a notice of the
change (or an amended Online Privacy Statement) at this website. Your continued use of our website or any online service
following notification will constitute your agreement to the revised Online Privacy Statement.
change (or an amended Online Privacy Statement) at this website. Your continued use of our website or any online service
following notification will constitute your agreement to the revised Online Privacy Statement.
Questions
- If you have any questions regarding this Online Privacy Statement, you can contact us.
“Bottom line, you need funding from a bank that listens"
“They take the time to learn
about potential customers
and their particular industry.
It makes a huge difference…”
“The success of every vendor depends on a financing partner…”
“Their years of industry experience promulgate itself in the consistent professional and reliable service provided…”
“Bottom line, you need funding from a bank that listens"
“They take the time to learn
about potential customers
and their particular industry.
It makes a huge difference…”
“The success of every vendor depends on a financing partner…”
“Their years of industry experience promulgate itself in the consistent professional and reliable service provided…”
Apply for financing today
We have a proven track record of working with our partners and customers in developing financing strategies that help them achieve their goals.