Terms of Conditions and Privacy

Country Bank Online Privacy Statement and Website Terms and Conditions

Purpose and Scope

This Online Privacy Statement and Website Terms and Conditions (“Online Statement”) governs access to and use of the Country Bank (“the Bank”) website, including all webpages, content, products, services, tools, applications, and resources made available through the website (collectively, the “Website”).

The Website is provided by the Bank as a convenience to customers, prospective customers, and other visitors. Access to and use of the Website is voluntary and subject to the terms set forth herein.  The Bank reserves the right, at any time and without prior notice, to modify, suspend, restrict, discontinue, or terminate all or any portion of the Website, including any products, services, features, content, functionality, or access thereto.

By accessing, browsing, or using the Website, you acknowledge that you have read, understand, and agree to be bound by this Online Statement, and our Privacy Policy, which jointly constitutes the entire agreement.

Terms and Conditions

Ownership and Copyright

Unless otherwise indicated, all content, information, graphics, photographs, designs, logos, service marks, trademarks, software, text, and materials displayed on or accessible through the Website are the property of  the Bank or its licensors and are protected by applicable copyright, trademark, intellectual property, and other proprietary rights laws.

No material contained on the Website may be copied, reproduced, republished, uploaded, transmitted, distributed, modified, displayed, or otherwise used without the prior written consent of  the Bank, except as expressly permitted by applicable law.

Products and Services

The products, services, rates, fees, terms, conditions, disclosures, descriptions, information, materials, and resources contained on the Website are subject to change, modification, withdrawal, or termination at any time without notice unless otherwise required by applicable law.

Not all products and services described on the Website are available through online account opening, in all geographic areas, or to all persons. Eligibility requirements, account limitations, underwriting standards, and other conditions may apply.

Links to Third-Party Websites

The Website may contain links to websites, applications, or resources owned, operated, or controlled by third parties that are not affiliated with the Bank (“Third-Party Sites”).

The Bank does not control, monitor, review, endorse, guarantee, or assume responsibility for the content, information, products, services, security, availability, policies, or practices of any Third-Party Site. The inclusion of any link does not constitute an endorsement, recommendation, approval, sponsorship, or affiliation by the Bank.

The Bank shall not be responsible for any loss, damage, or injury arising from your access to or use of any Third-Party Site or any products or services offered through such sites.

Third-Party Sites may maintain privacy, confidentiality, information security, and data collection practices that differ from those maintained by the Bank. You are encouraged to review the privacy notices, security practices, and terms of use applicable to any Third-Party Site before providing personal, financial, or confidential information.

Pop-Up Notification

When accessing certain Third-Party Sites through links available on the Website, you will receive the following notification:

“You are leaving Country Bank’s website. Country Bank is not responsible for the content of third-party sites hyperlinked from this or any other page, nor do we guarantee the integrity of the information or the products and services offered on any third-party websites. When you leave our website, you should review the privacy statement of the website before you provide personal or confidential information.”

Disclaimer of Warranties
The information from or through the  Bank’s website, including but not limited to financial calculators, are provided “as is” and “as available”. All warranties, express or implied, are disclaimed (including but not limited to any implied warranties of merchantability and fitness for a particular purpose). The information herein may contain bugs, errors, problems or other limitations. The Bank assumes no liability or responsibility for any errors or omissions in the content contained on this site.

All responsibility or liability for damages caused by viruses contained within the electronic files or at the website is disclaimed.

This website contains links to other internet sites. These links are not endorsements of any products or services and no information in such sites has been endorsed by the Bank.

Limitation of Liability
In no event will the Bank be liable for any damages, including without limitation or indirect, special, incidental or consequential damages, losses or expenses arising in connection with your use of or inability to use this site or any linked site, or in connections with any failure of performance, errors or omissions, interruption, defect, delay in operations or transmission, computer virus or online system failure, even if the Bank is advised of the possibility of such damages, losses or expenses.

Information Collection Practices and Cookie Policy

General Information

This Policy provides general information regarding the use of cookies and similar tracking technologies on the Website, including how user interactions may be collected and analyzed to improve functionality, performance, security, and the overall user experience.

This Policy should be reviewed in conjunction with the Bank’s Privacy Notice and is subject to amendment at any time. Any revisions will be reflected by an updated Effective Date.

Personal Information

The Bank’s collection, use, sharing, retention, and protection of nonpublic personal information is governed by its Privacy Notice and applicable federal and state laws and regulations. By using the Website, you acknowledge and agree that your information may be collected and processed in accordance with such Privacy Notice.

Cookies

Cookies are small text files that are placed on a user’s browser or device when visiting a website. Cookies enable websites to recognize browsers, retain preferences, facilitate functionality, improve performance, and analyze website usage.

Country Bank’s Use of Cookies

The Bank utilizes cookies and similar technologies to facilitate Website functionality, analyze Website performance, understand user interactions, improve customer experience, and support Website security. The Bank utilizes a third-party service provider to implement cookie technology and related analytics services. Such service provider acts solely in support of the Bank’s Website operations. Information obtained through cookie technologies is utilized by the Bank only for the purposes described in this Policy.

The Bank utilizes personalization and analytics cookies that monitor session-specific behavior and assist in generating Website usage analytics. The cookies used by the Bank are intended to monitor Website activity and interactions and are not designed to identify a user through nonpublic personal information.

Governing Law

This Disclosure and your access to and use of the Website shall be governed by and construed in accordance with applicable federal laws of the United States and the laws of the Commonwealth of Massachusetts.

Contact Us

Customer Inquiries and Communications

The Bank may provide secure electronic communication channels, including secure forms or secure messaging functionality, through which customers may submit inquiries regarding accounts, products, services, or other banking matters.

Information transmitted through designated secure communication channels will be handled in accordance with the Bank’s Privacy Notice and applicable law. Customers should not transmit confidential, personal, account-specific, or other sensitive information through unsecured email communications.

Questions regarding this Online Privacy Statement, Website Terms and Conditions, Cookie Policy, or the Bank’s privacy practices may be directed to:

Country Bank
15 South Street Suite C
Ware, MA 01082

Telephone: 800-322-8233

Revised: June 9, 2026