Terms & Conditions

NOTICE: You are accessing an internet website (e.g., www.cnb.com) (the “Site”) operated by City National Bank, its wholly-owned subsidiaries or managed affiliates (collectively “City National”). City National and some providers not affiliated with City National (“Information Providers”) prepare or provide the information, materials, products and services available or described on the Site. These Terms and Conditions For Use govern your access to and use of the Site, including any information, functionality, products and services provided on or through the Site (“Services”).

PLEASE READ THESE TERMS AND CONDITIONS FOR USE OF THE SITE CAREFULLY.

BY ACCESSING THE SITE AND USING ANY OF THE SERVICES, YOU AGREE THAT YOU ARE BOUND BY THESE TERMS AND CONDITIONS FOR USE.

IF YOU DO NOT AGREE WITH ANY OF THESE TERMS AND CONDITIONS FOR USE, OR ARE UNDER 13 YEARS OF AGE, PLEASE EXIT THE SITE IMMEDIATELY.

If you access the Site from outside of the United States, you are responsible for compliance with local, national and international laws. The Site is not intended for use or access by any person or entity in any jurisdiction where such use or access is contrary to local law or regulation.

Trademark / Copyright / Patents / Restrictions on Use

All trademarks, service marks, trade names, trade dress and related intellectual property rights in the Services are proprietary to City National or its licensors or licensees.  You may not use, reproduce or display any of the City National trademarks without City National’s prior written consent.

The information and material on the pages of the Site and the arrangement of the information and material are owned and controlled by City National unless otherwise indicated and are protected by intellectual property laws, including the applicable laws of the United States of America. When you agree to these Terms and Conditions For Use, you are authorized to view the contents of the Site for your informational purposes only. You may access and download copyrighted and trademarked material for your personal or internal business purposes only subject to any applicable agreements or terms of use. You agree that you do not acquire any ownership rights in the copyrighted or trademarked material you access or download. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works from or republish in any form all or any part of the Site for any commercial or public purpose without the prior written consent of City National.

Inquiries respecting the use of copyrighted materials or other materials on the Site may be directed to City National through contact information provided on the Site.

Monitoring

You acknowledge that, for your protection and the protection of City National, all activity on the Site may be monitored and recorded in accordance with City National’s Privacy and Cookie policies, each of which are incorporated herein by reference and can be found on the Site. 

Information Requests

You may be requested to provide information through the Site to enable City National to provide Services to you, among other reasons. If you respond to a request for information, you agree that the information you provide will be accurate, complete and current. City National may use the information you provide to provide or offer you products and services consistent with the City National Privacy Policy.

Unauthorized Use of Site Not Permitted

By accessing the Site or using the Services, you agree that you have an obligation of appropriate use and conduct that includes not causing an unreasonable processing load on the Services or systems, and not introducing any virus, worm, Trojan horse or other material that may harm or disrupt the Services or systems.  Unauthorized use of the Site, including but not limited to unauthorized entry into any City National system, unauthorized use of any Service, or the misuse of any password or any information or material appearing on the Site is strictly prohibited.  Further, users of the Site shall not disrupt or cause harm to, or attempt to disrupt or cause harm to, the Site (or to any Services) through the introduction of harmful or invasive files or programs, including any virus, spyware, or code. 

City National Products and Services

The content on the Site is not intended as an offer for any particular bank product or service.  Services are subject to the terms and conditions of the applicable agreement for each such Service, and such terms shall control to the extent that there is an inconsistency with these Terms and Conditions For Use.

Not all Services may be available at all City National locations or to all City National customers. Eligibility for a particular Service is subject to final determination by City National.

Linked Sites

The Site may contain links to web sites controlled or offered by a third party not affiliated with City National (“Third Party Site”). CITY NATIONAL DISCLAIMS ALL LIABILITY FOR ANY INFORMATION, AND THE MATERIALS, PRODUCTS OR SERVICES AVAILABLE, LISTED OR OFFERED AT ANY THIRD PARTY SITE. By creating a link to a Third Party Site, City National does not thereby recommend or endorse any product or service offered on or through such site. City National is not responsible or liable for any failure of or defect in any product or service offered or advertised on or available through a Third Party Site. City National makes no warranty of any kind, express, implied or statutory, respecting any information, material, product or service provided on or through a Third Party Site, including but not limited to the accuracy, completeness or timeliness of any such information or material, the non-infringement of the rights of others, the freedom from computer virus or other harmful effects and the merchantability or fitness for a particular purpose of any such product or service. The privacy policies of third parties not affiliated with City National may differ from the City National Privacy Policy and third parties may provide less security on their sites than does City National.

No Warranty / Other Disclaimers

The information and materials available on the Site produced by City National or any Information Provider are intended for general use or education and are derived or produced from sources believed by City National to be reliable and accurate when produced. However, City National does not warrant the accuracy, completeness or timeliness of any such information or material or the appropriateness of the information or material for use by you. City National expressly disclaims all liability for errors or omissions in this information and material. No warranty of any kind, express, implied or statutory, including but not limited to the warranty of merchantability or fitness for a particular purpose, is given in conjunction with this information and material or a Service, except as City National may otherwise expressly agree in writing.

You acknowledge that neither City National nor any of its employees, agents, Information Providers or licensors warrant that the Services or that the Site itself will be uninterrupted, error free or free from computer virus.

Unless otherwise stated, opinions expressed or recommendations made on the Site are the opinions or recommendations of the authors and are not, necessarily, the opinions or recommendations of City National.

System response times may vary due to system performance and other factors, and  access to the Site may be unavailable or limited for various reasons for which City National shall not be held responsible.

City National may interact with you through the Site, including through a live chat feature.  Information communicated through the chat service will not be considered a legal agreement, representation, or warranty as to City National’s Services, processes, decisions, or response times. Abusive or inappropriate language during a chat session is prohibited and use of such language may result in termination of the session.

Limitation on Liability

EXCEPT AS CITY NATIONAL MAY OTHERWISE AGREE IN WRITING OR AS OTHERWISE REQUIRED BY LAW, YOU AGREE THAT CITY NATIONAL IS NOT LIABLE FOR ANY LOSS, COST, LIABILITY OR EXPENSE ARISING BY REASON OF OR IN ANY WAY RELATED TO YOUR ACCESS TO OR USE OF ANY SERVICE, THE INFORMATION AND MATERIALS AVAILABLE ON THE SITE, THE SITE ITSELF, THE USE OF INTERNET BROWSER SOFTWARE OR ANY COMPUTER VIRUS THAT MAY AFFECT YOUR COMPUTER SYSTEM BY REASON OF YOUR ACCESS TO THE SITE (PROVIDED THAT CITY NATIONAL SHALL HAVE TAKEN REASONABLE PRECAUTION TO PROTECT AGAINST SUCH A VIRUS). IN NO EVENT WILL CITY NATIONAL BE LIABLE OR RESPONSIBLE FOR SPECIAL, CONSEQUENTIAL, INCIDENTAL, EXEMPLARY OR SIMILAR DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, EVEN IF CITY NATIONAL HAS BEEN ADVISED OF THE POSSIBILITY THEREOF.

Indemnification

If you use the Site to access data or information of which you are not the owner or authorized user as reflected in City National’s systems, you shall indemnify, defend, and hold harmless City National and all of its direct and indirect subsidiaries and affiliates, officers, directors, employees, agents, successors, and assigns from any and all losses, liabilities, damages, and all related costs and expenses, arising from, relating to, or resulting (directly or indirectly) from such access. Further, in the event of any actual or reasonably suspected unauthorized access to data or information, you shall be responsible for the cost and expenses of investigation and analysis (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, customer service, or other remediation services, and any related cost.  City National’s rights to indemnity under this section are in addition to all other rights and remedies available at law or in equity. Any exercise by City National of its rights to indemnification shall be without prejudice to such other rights and remedies. You manifest your assent to this indemnity by accessing account data through the Site, notwithstanding the terms of any agreement you have stating otherwise.

Change in Terms / Modifications

City National reserves the right to change these Terms and Conditions For Use in whole or in part at any time without prior notice except as otherwise required by law or as otherwise agreed in writing. The current version of these Terms and Conditions For Use are available to you on the Site. If you find these Terms and Conditions For Use, or any of them, unacceptable to you at any time, you shall discontinue your use of the Site. By continuing to access or use of the Site after the date of any change in the Terms and Condition For Use, you agree to the then current Terms and Conditions For Use, and not any older cached version.

City National reserves the right to modify or terminate the Site, any Service, any Link provided by or to the Site and your access to the Site, in whole or in part, at any time without notice.

Mobile Services

If you access the Site or Services using mobile devices through websites specifically designed for mobile devices or through software applications ("Mobile Services"), you understand and agree that: (i) you must be properly enrolled to use the Mobile Services; (ii) you may not have access to all of the same services, features, functionality, content or information through Mobile Services as you may through the Site and you must access the Site through a technology other than Mobile Services to access the services, features, functionality, content and information of the Site; (iii) Mobile Services may not be available for use in locations outside of the United States; and (iv) you are responsible for any fees imposed by a service provider that you might incur by accessing Mobile Services.  There may be important terms and conditions that are displayed only when you click on information icons or links within Mobile Services. You must access and read those terms and conditions, and by using Mobile Services, those terms and conditions apply to your use of Mobile Services, in addition to the terms and conditions of any other applicable agreements.  

Governing Law and Jurisdiction

These Terms and Conditions For Use are governed by applicable federal law and the law of the State of California, without regard to its conflict of law provisions, unless otherwise indicated. You agree that if you access the Site in a jurisdiction where City National does not have an office City National is not subject to the jurisdiction of the courts in that place by reason of that access and City National does not consent to such jurisdiction. The Terms and Conditions For Use are subject to any other agreement you have entered into with City National.

You agree not to attempt to log on to the Site 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 Site from one of these countries may result in your access being restricted and/or terminated.