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    PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.

    These Legal Terms and Conditions ("Terms") apply to the Clifton Savings Bank, Clifton Bancorp Inc. and their affiliated company (referred to herein collectively as “Clifton Savings Bank”) websites, web pages, interactive features, applications, widgets, blogs, social networks, social network "tabs," or other online or wireless offerings that post a link to these Terms, whether accessed via computer, mobile device or other technology, manner or means (collectively, the "Website").

    As used herein the terms “You” and “User” shall mean any visitor to the Website.

    Your use of the Website constitutes your acceptance of Clifton Savings Bank’s Privacy Policy, which is expressly incorporated herein by reference. Please read our Privacy Policy which explains how we handle personal information collected through the Website.

    Unauthorized use of Clifton Savings Bank’s Website and systems, including but not limited to unauthorized entry into Clifton Savings Bank's systems, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited.

    You acknowledge that Clifton Savings Bank may disclose and transfer any information that you provide through this Website to (1) any company within the Clifton Savings Bank group, its affiliates agents or information providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate, and by using and providing information through this Website you agree to such transfers. Use of this Website, including any patterns or characteristics concerning your interaction with it, may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording. See our Website Privacy Policy for additional information on CSB’s information sharing practices.”

    You agree not to attempt to log on to the Website from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under sanctions may be obtained on the U.S. Department of the Treasury website. Any attempt to log on to the Website from one of these countries may result in your access being restricted and/or terminated.

    Copyrights

    The works of authorship contained in the Clifton Savings Bank Website, including but not limited to all design, text, sound recordings and images, are owned, licensed, or otherwise approved for use by Clifton Savings Bank or one of its affiliates or 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 Clifton Savings Bank’s prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of Clifton Savings Bank's proprietary rights. You may, however, download information and print out hard copies, except for any third party exchange data, for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.

    Trademark

    “Clifton Savings Bank” and the Clifton Savings Bank logo are trademarks of Clifton Savings Bank. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of other respective owners in the United States and/or other countries.

    Web Content and Materials

    The information on this Website is for information purposes only. It is believed to be reliable, but Clifton Savings Bank does not warrant its completeness, timeliness or accuracy. The information on the Website is not intended as an offer or solicitation for the purchase of Clifton Bancorp Inc. (CSBK) stock, any other security or any financial instrument.

    Materials and information posted on the Website may be printed for your personal use, provided, however, that third party exchange data, if any, may not be downloaded, printed or redistributed for any purpose whatsoever. Materials and information posted on the Website may not be duplicated, copied, re-disseminated or re-distributed to any other person or entity. Re-dissemination and re-distribution includes, without limitation, making any such materials and information available via the Internet or via any other electronic means of access.

    Information on the Website, including research, 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. Any investments discussed on the Website may fluctuate in price or value. Investors may get back less than they invested. Changes in rates of exchange may have an adverse effect on the value of investments.

    The information and materials contained in this Website, and the terms and conditions of the access to and use of such information and materials, are subject to change without notice. Products and services described, as well as, associated fees, charges, interest rates, and balance requirements may differ among geographic locations. Not all products and services are offered at all locations.

    You agree that (i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with Clifton Savings Bank, and (ii) in circumstances where locations of the Website require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals. You agree that you will not use any robot, spider, other automatic device or manual process to monitor or copy our Webpages, data, or the content contained herein or for any other unauthorized purpose without our prior expressed written permission.

    Please seek the advice of professionals as necessary regarding the evaluation of any content of this Website.

    CLIFTON SAVINGS BANK OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS, OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND CLIFTON SAVINGS BANK DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. CLIFTON SAVINGS BANK RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING THIS WEBSITE AND INFORMATION, PRODUCTS, OR SERVICES VIA THIS WEBSITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY CLIFTON SAVINGS BANK TO ANY PERSON TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.

    You shall be responsible for obtaining and maintaining all communication equipment, computer hardware, software, and other equipment needed to access this Website. Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:

    • Hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;
    • Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
    • Overload of system capacities;
    • Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;
    • Interruption (whether partial or total) of power supplies or other utility of services;
    • Strike or other stoppage (whether partial or total) of labor;
    • Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; and
    • Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of Clifton Savings Bank.

    If access to this Website is unavailable, delayed or limited, or if this Website does not operate quickly and efficiently, you may be unable to transmit your instructions for transactions and other matters, or such instructions may not be promptly executed or you may be unable to retrieve information on a timely basis. If your operations are dependent on such communications with us, and such communications are disrupted or delayed, you may suffer losses. Clifton Savings Bank will not be liable for any such loss.

    Links to Other Sites

    Links to non-Clifton Savings Bank Websites are provided solely as pointers to information on topics that may be useful to the Users of this Website and Clifton Savings Bank has no control over the content on such non-Clifton Savings Bank Websites. If you choose to link to a Website not controlled by Clifton Savings Bank, Clifton Savings Bank makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Clifton Savings Bank warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Clifton Savings Bank does not guarantee the authenticity of documents on the Internet. Links to non-Clifton Savings Bank sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content of such sites and we expressly disclaim any such endorsement or representation. In addition, third party websites may have a privacy policy or security practices different from this Website so it is important to read the policies of those sites before sharing personal information.

    LIMITATION OF LIABILITY

    BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE) IS PROVIDED "AS IS," "AS AVAILABLE". CLIFTON SAVINGS BANK AND THIRD PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE. CLIFTON SAVINGS BANK AND THIRD PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, CLIFTON SAVINGS BANK WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM. CLIFTON SAVINGS BANK WILL NOT BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND CLIFTON SAVINGS BANK'S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

    CLIFTON SAVINGS BANK AND THIRD PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING CLIFTON SAVINGS BANK’S RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

    UNDER NO CIRCUMSTANCES WILL CLIFTON SAVINGS BANK BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER CLIFTON SAVINGS BANK HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

    Enforceability; Governing Law

    In the event any of the terms or provisions of these Terms shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms shall be subject to any other agreements you have entered into with Clifton Savings Bank. Users' access to and use of the Clifton Savings Bank Website and these Terms are governed by the laws of the State of New Jersey. This Website is controlled and operated in the United States of America and is intended for use within the United States of America. Clifton Savings Bank makes no representation that material on these pages is appropriate or available for use in other locations. Those who choose to access these pages from other locations do so of their own initiative and are responsible for compliance with local laws.

    Any action against Clifton Savings Bank arising from or relating to your access to and use of the Website and the provisions of these Terms must be brought by you in state or federal court located in the State of New Jersey. You consent to the jurisdiction and venue of the state and federal courts located within the State of New Jersey, for the adjudication of all claims by Clifton Savings Bank against you arising from or relating to your access to and use of the Website and the provisions of these Terms.

    Not For Children

    The Website is not intended for use by children under 13.

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