Terms of Use and Online Privacy
Table of Contents
1. Welcome
2. General
3. Services Offered through this Site
4. Access to the Site; Restrictions on Use
5. Security
6. Copyright and Trademarks
7. Submissions
8. Privacy and Cookies
9. Linked Sites
10. Unsolicited E-mail Disclaimer
11. No Warranty
12. Limitation of Liability
13. Indemnification
14. Enforceability and Governing Law
15. Changes
16. Questions
PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS OF USE, PLEASE DO NOT ACCESS THIS SITE.
1. Welcome
Welcome to the Monet Bank website. Monet Bank and/or their affiliates ( Monet Bank or the Bank ) provide access to its website (this Site ) and its products and services to you subject to the following Terms of Use and Online Privacy (the Terms ). By accessing the Site, you consent to and agree to be bound by the Terms, including any amendments to the Terms. The Bank may revise the Terms at any time in its sole discretion, without prior notice, by updating this posting. You can review the most current version of the Terms by clicking the Terms of Use link at the bottom of this Site or through other forms of notice that the Bank may provide to you from time to time. In addition, by utilizing this Site, you agree to review the Terms regularly, and your continued access or use of this Site will mean that you agree to be bound by such terms contained in the most recent version of the Terms, including any changes or revisions.
2. General
You agree and understand that effective use of this Site may require your browser to use software plug-ins and modules, in order to correctly display content and utilize features on the Site.
Access to the Site may from time to time be unavailable, delayed, limited, or slowed due to, among other things: hardware or software failure, overload of system capabilities, loss of utilities, and/or any other cause outside the control of Monet Bank. The Bank is not responsible for any computer virus or related problems that may be associated with your use of or access to this Site or any of the Service(s) (as defined below).
3. Services Offered through this Site
Product offers, rates, terms, and other information provided are subject to change without notice, and may differ among geographic locations. Not all products and services are offered at all locations. Monet Bank or its affiliates service(s) (the Service(s) ) available through the Site, are
subject to the applicable agreement, including but not limited to the Deposit Account Agreement ( Service Agreements ) that you and Monet Bank agree to at the time of registration for the service. All products and services of Monet Bank are subject to the terms and conditions of the applicable Service Agreements governing their use.
Monet Bank may discontinue or make changes in the information, products, or Service(s) described herein at any time without prior notice to you and without any liability to you. Monet Bank reserves the right to terminate any or all Site offerings or transmissions without prior notice to the user. By offering this Site and information, products, or Service(s) via this Site, no distribution or solicitation is made by Monet Bank to any person to use this Site or such information, products, or Service(s) in jurisdictions where the provision of the Site and such information, products, or Service(s) is prohibited by law.
If you are an account owner, you may use the Site to access your account, transfer funds to and from your account, and perform other actions related to your account, provided you have created credentials and been authenticated. If these Terms conflict with your Service Agreements, including but not limited to the Deposit Account Agreement, unless specially stated otherwise in the other agreement, the other agreement will control.
Should you choose to submit your application for an account online, you will provide your personal information needed to open your account through the Internet. In order to protect your personal privacy, your personal information is transmitted to us in a "secure session" that is established through our data security system. You may, of course, elect to send us this information offline through the mail.
4. Access to the Site; Restrictions on Use
The Bank restricts access to password-protected areas of the Site to authorized users only. If you are an authorized user, you are responsible for maintaining the confidentiality of your account access credentials (user name, password, and/or authenticating information). You agree to immediately notify the Bank of any unauthorized use of your account credentials or any other breach of security. The Bank is not liable for any loss or damage arising from your failure to protect the confidentiality of your account credentials or your other security lapses. Unauthorized use of the Services, misuse of passwords, or misuse of any information or material posted on the Site is strictly prohibited.
Any attempt to log on to this Site from any country under sanctions by the Office of Foreign Assets Control ( OFAC ) may result in your access being restricted and/or terminated.
You may use the Service(s), including this Site, only for lawful purposes and you agree not to use the Service(s) in any way that violates any applicable federal, state, local, or international law or regulation.
5. Security
Monet Bank aggressively works to protect its operating systems and electronic information by using anti-virus software, anti-spyware software, firewalls, and other defensive measures. Monet Bank enforces strict identification measures for customer requests over the telephone or in writing.
6. Copyrights and Trademarks
All of the pages and screens on the Bank s websites, including this Site, are owned and controlled by Monet Bank, except as otherwise expressly stated, and are protected by U.S. copyright laws. The Monet Bank logo is a service mark of Monet Bank. Other featured words used on this Site to identify the source of goods and services are trademarks and service marks owned by Monet Bank or owned by third parties. You may not use, copy, display, distribute, modify, or reproduce any of the trademarks or service marks found on the Monet Bank websites except as authorized in this paragraph or pursuant to a written license agreement.
The works of authorship contained in this Site, including but not limited to all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by Monet Bank or ones of its affiliates. 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 Monet 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 Monet Bank s proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.
7. Submissions
Monet Bank does not claim ownership of the materials you provide to Monet Bank (including feedback and suggestions) or post, upload, input, or submit to any Monet Bank website or its associated services (collectively, Submissions ). However, by posting, uploading, inputting, providing, or submitting your Submissions, you are granting Monet Bank, its affiliated companies, and necessary sublicensees permission to use your Submissions in connection with the operation of their businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submissions. Please note that specific terms and conditions provided on the web page describing a particular feature or offer, may supersede this provision.
8. Privacy and Cookies
We take your privacy seriously. If you have any questions regarding privacy, please read our privacy policies contained herein and at https://monet.bank/privacy-policies. For more detailed information about our handling of personal information, please see the privacy policies at the link referenced above. For more general information on cookies , please see below.
When you visit this Site to view any pages, read product information, or use any tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software that tracks the activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. The information we collect and store is limited to:
- The name of your Internet Service Provider
- The website that referred you to us (if any)
- The date and time the pages were accessed
- The page or pages you requested
There are instances where you may elect to provide us with personal information. If you fill out one of our feedback or request forms or send us e-mail, you are transmitting the information that appears in the form or the body of the message. This will typically include information like your name, mailing address, e-mail address, the kind of request you are making, and any other information necessary to fulfill your request. This is always your option; this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly. Monet Bank will not sell or provide any personal information provided by you on this Site to third parties for any purpose including solicitation purposes.
In addition to the online information that you voluntarily provide to us, we may use cookies and retain cookie information separately or with the information you provide to us online. A cookie is a small piece of data assigned to the browser on your computer when you visit a website. We may use cookies for various purposes such as maintaining continuity during a session, gathering data about the use of our site, storing preferences or recognizing return users. Your web browser may alert you or permit you to refuse, disable or delete cookies. If you refuse cookies, you may not be able to use certain features or services on the site. For example, cookies may be used to help complete or record a transaction or combined with your other data so that we may retain online information for your use in subsequent sessions. We may collect certain non-identifying information such as pages viewed, offline applications prepared and the geographical location of the website visitor. This information will be used in procedure improvement, possible product enhancement and future product development.
The Site is hosted in the United States. In your use of this Site or Service, you may transfer certain personal information to the United States. To the extent permitted by applicable law, your use of the Site or Service shall constitute your consent to the transfer of personal information to the United States and the applicability of United States law.
9. Linked Sites
Monet Bank may provide you links to websites maintained by third parties. Monet Bank does not control such third parties and does not operate, control, or endorse in any respect any information, products, or services on such third-party websites. Your use of third-party content or purchase of third-party products or services is at your own risk. Links to non-Monet Bank websites 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 at such sites. If you choose to link to a website not controlled by Monet Bank, Monet 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 Monet 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.
10. Unsolicited E-mail Disclaimer
Unsolicited E-Mail: Monet Bank does not send unsolicited e-mail messages or place pop-up advertisements that request personal information such as your credit card number(s) or your Social Security number.
If you receive an e-mail requesting personal information from someone claiming to be a representative of Monet Bank, and you did not originate the message, do not respond. If you see a pop-up advertisement for Monet Bank that requests personal information, do not click the advertisement. Call MONET BANK immediately to report the contact.
11. NO WARRANTY
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE (INCLUDING, BUT NOT LIMITED TO, ALL TEXT, GRAPHICS, LINKS, FUNCTIONALITY, AND OTHER MATERIALS AND ITEMS) ARE PROVIDED AS IS. MONET BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY, TIMELINESS, OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, FITNESS FOR ANY PARTICULAR PURPOSE, AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS. NOR WILL MONET BANK BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND MONET BANK S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.
12. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MONET BANK SHALL NOT BE LIABLE TO YOU, ANY THIRD PARTY CLAIMING THROUGH YOU, OR OTHERS FOR ANY DIRECT, COMPENSATORY, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR OTHER DAMAGES OF ANY KIND ARISING OUT OF OR RELATED TO THE TERMS, THE SITE, OR THE SERVICES, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE, EVEN IF YOU OR MONET BANK HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IF, NOTWITHSTANDING THE OTHER PROVISIONS OF THE TERMS, MONET BANK AND OR ITS AFFILIATES SHOULD HAVE ANY LIABILITY TO YOU ARISING OUT OF OR RELATED TO THE TERMS, THE SITE, OR THE SERVICES, YOU AGREE SUCH LIABILITY FOR ANY AND ALL CLAIMS SHALL NOT EXCEED TEN DOLLARS ($10.00) PER USER IN THE AGGREGATE.
13. INDEMNIFICATION
To the maximum extent permitted by applicable law, you agree to release, indemnify, defend, and hold harmless Monet Bank and all of its direct and indirect subsidiaries, officers, directors, employees, agents, successors, and assign from and against all losses, damages, claims, liabilities, expenses (including attorneys fees), and related costs and expenses (including by law firms and forensic firms), correction or restoration of any destroyed, lost or altered data, notification to affected customers, offering and providing of credit monitoring, customers service, or other remediation services, and any related costs) brought by any person arising from or relating to your access and use of the site, including the unauthorized access or use of the site and, without limitation, any claims alleging facts that, if true, would constitute a breach by the user of the terms. Monet bank s rights to indemnity are in additional to all other rights and remedies available at law or in equity. Any exercise by Monet Bank of its rights to indemnification shall be without prejudice to such other rights and remedies.
14. Enforceability and Governing Law
In the event any of the terms or provisions of the Terms shall be held unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision that comes closest to the intention underlying the unenforceable term or provision. The Terms shall be subject to any other agreements you have entered into with Monet Bank.
Monet Bank shall not be deemed to have waived any of its rights or remedies unless such waiver is in writing and signed by the Bank. No delay or failure on the Bank s part to exercise any right or remedy shall be a waiver of that or any other right or remedy. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies in the future.
The user s access to and use of this Site, and the Terms of this disclaimer are governed by all applicable federal laws and the laws of the State of Texas, without regard to its conflict of law principles; and the user agrees that venue shall be located in Collin County, Texas.
15. Changes
Monet Bank may change these Terms at any time. Any changes or updates will be effective immediately upon posting to this site. The effective date of these Terms, as stated below, indicates the last time this statement was materially changed. Checking the effective date below allows you to determine whether there have been such changes since the last time you reviewed the statement.
16. Questions
For further direction regarding inquiries concerning these Terms, you may contact us by e-mail or telephone as described on the site.
Rev. January 2026