Bankers' Law

Bankers Law

Terms of Use

Terms of Use

By accessing or using our website (https://bankerslaw.net/) (the “site”) and related links, you agree to these Terms of Use (“Terms”). The Terms govern your relationship with Bankers’ Law, a scholarly journal focused on the practice and performance of banking law (collectively, “we,” “us,” or “Bankers’ Law”) and apply to all users, registered subscribers, contributors, or others who access or use the site. Please read the Terms thoroughly. If you do not agree with these Terms in their entirety, you must stop using our site.

Definitions

“Bankers’ Law”, “we”, “us” or “our” refers to the journal and its legal professionals managing this journal, whose operating headquarters are located at 1 N Dearborn St Ste 25, Chicago, IL 60602, United States. “Website” is the Bankers’ Law website at https://bankerslaw.net/. “User”, “you” or “your” is any natural person or legal entity, either a registered or non-registered user, visiting or accessing the Website. “Content” is all articles, texts, resources, analyses, opinion articles, legal updates, pictures, photos “snapshots,” graphics and any other information made available or published on the Website.

Acceptance of Terms

Through your use, viewing and/or browsing of the Website, you acknowledge you have read, understood and agree to these Terms of Use and our Privacy Policy and that you are legally bound by them. If you are using the site on behalf of a company or organization, you represent that you are authorized to bind that company or organization to these Terms of Use.

Changes to Terms

Bankers’ Law may, at its sole discretion, modify, update or amend these terms of use at any time. Modifications will become effective immediately upon posting. You are encouraged to check this page periodically for changes. Your use of the Website after any posted modifications signifies your acceptance and agreement thereto.

Registration and Eligibility

Certain areas or resources of the Website may have been designated for registration. Upon registering, you represent that (a) you are 18 years of age or older or otherwise have legal parental or guardian consent, (b) all registration information you submit is truthful, accurate, complete and current, and (c) you will maintain and promptly update such information as needed to keep it so. You are solely responsible for maintaining the confidentiality of your account information and password and will be responsible for all activities that occur under your password or account.

User Obligations

When you use Bankers’ Law, you agree that you will:

  • not use the Website or its content for any unlawful purpose or in any unlawful way, or to solicit the performance of any unlawful activity;
  • not access the Website in any manner which could damage, disable, overburden, or impair our servers, or the network(s) connected to any server, or interfere with any other party’s use of the Website;
  • not attempt to gain unauthorized access to any part of the Website, other accounts, computer systems, or networks connected to the Website, or to any server owned or controlled by us, through hacking, password mining, or any other means;

You also agree that you will not reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes any portion of the Website or its content, without our express written consent.

Intellectual Property

All information published within Bankers’ Law – including, but not limited to, articles, publishing and editorial analysis, graphics, logos, layout and design – is the property of Bankers’ Law or its content providers and is protected by copyright, trademark and other intellectual property rights and law. The content in this site may be used for your personal, non-commercial purposes. Any other use, including the reproduction, modification, distribution or republication of the content without our express written consent, is strictly prohibited.

Permitted and Prohibited Use

Allowed use of the Website includes:

  • Accessing and reading journal articles, resources and analyses for personal, educational or professional development.
  • Quoting or referencing content for academic or professional work, provided the reference gives appropriate attribution to Bankers’ Law.
  • Sharing links to our articles and resources through social media or email, provided you do not manipulate any content or place it in a misleading context.

You must not:

  • Use any machine-read or scripted means (e.g. bots or scrapers) to access, copy or observe the Website.
  • Frame or mirror any portion of the Website without our express written permission.
  • Use the content of this Website for your own commercial purposes except as expressly permitted.

Submissions by Users

Bankers’ Law accepts articles and submissions of significance from legal and other professionals in the field. Submission of articles or other information for publication grants Bankers’ Law a non-exclusive, perpetual, worldwide, royalty-free license to use, reproduce, edit and publish the work in any medium. Contributors retain copyright to any original works submitted, but grant Bankers’ Law the right to archive, market, otherwise use, and adapt the submission for electronic or print publications for editorial purposes.

Contributors must:

  • Ensure that necessary permissions and approvals are secured.
  • Submit only original and genuine material.
  • Not infringe third-party rights.
  • Refrain from violating laws or regulations.

Any materials that are plagiarized or misrepresented will be promptly removed from the publication and may result in legal proceedings.

Accuracy and Disclaimer of Information

Bankers’ Law seeks to make sure that all notices, guides, alerts and other communications are accurate, current and reliable. That said, the information on the Website is made available for your general information purposes only and does not constitute legal, financial or other advice. In addition, neither the accuracy nor the completeness of any information and materials found on the Website is guaranteed, and such information may not be applicable to your individual circumstances. You should consult a professional legal advisor before making decisions about actions that might be affected by the information contained in the website.

No Attorney-Client Relationship

Your use of Bankers’ Law, including contact with our editorial staff or with the columns’ contributors, does not create an attorney-client relationship. The Website is for education and information purposes only and is not a substitute for personalized legal advice. You should contact a lawyer licensed in your jurisdiction for legal representation or advice.

Third Party Content and Links

The Website may contain links to other websites or resources developed by parties other than Bankers’ Law. Third-party websites and resources are not controlled by Bankers’ Law. Your use of third party websites and resources is at your own risk. Bankers’ Law does not guarantee the accuracy, breadth or appropriateness of the material found in any third-party website or resource, nor does the inclusion of a link to such third-party content imply that Bankers’ Law endorses or has any affiliation with such third party websites. Third-party websites may have privacy policies different from those of Bankers’ Law.

User Content and Conduct

If the Website permits user comments, reviews or other submissions, you are solely responsible for any such materials. You agree that you will not post or transmit any material that is unlawful, libelous, infringing, obscene, threatening, harassing or otherwise objectionable. Bankers’ Law may at its discretion remove any user postings and may report any such activities as it deems appropriate to the authorities.

Privacy Policy and Protection of Personal Data

Your privacy matters to us. Please consult our Privacy Policy for detailed information on how we collect, use, maintain, protect and otherwise handle your personal data. By using the Website, you consent to our collection and use of your information consistent with our Privacy Policy.

Security

Bankers’ Law employs industry standard measures to ensure the security of your information. However, no transmission or storage of information over the internet or any wireless network can be guaranteed to be secure. You are required to maintain the security of your account credentials and are also expected to inform us promptly (at [email protected]) of any actual or potential unauthorized use of or security breach affecting your personally identifiable information.

Limitation of Liability

To the fullest extent permitted by applicable law(s), Bankers’ Law, its owners, editorial board, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages due to your use of, or inability to use, the Website or materials, even if we have been advised as to the possibility of such damages. Such limitation includes, but is not limited to, damages of any kind which result from errors and omissions, interruptions or defects as well as viruses or delays in operation.

Indemnity

You agree to indemnify, defend and hold harmless Bankers’ Law, its editorial board, contributors, employees and affiliates against all claims, liabilities, damages, losses, costs or expenses (including reasonable fees for attorney services) arising from or connected with your use of the Website, your breach or alleged breach of these Terms of Use or any claim that you, any Recipient or any other user of the Website has infringed any intellectual property or any other rights of any person or entity.

Termination and Suspension

Termination. Bankers’ Law may, in its sole discretion and at any time terminate your access to the Website, and limit, suspend or terminate your use of the Website, for any reason, including due to your breach of these Terms of Use. Upon termination, you must destroy all materials obtained from the Website, and all related documentation, regardless of form or media containing information from or about the Website.

Usage outside the United States

Bankers’ Law is available worldwide and the information it publishes is not purely private, or limited to the jurisdiction in which you are situated. It is your responsibility to ensure that use of the Website is consistent with the laws and regulations of your country of residence. You may not access the site from jurisdictions where the content or application of the site is unlawful.

Governing Law and Jurisdiction

These terms of use shall be governed by and construed in accordance with the laws of the State of Illinois, United States, without giving effect to any conflict-of-law principles. Any disputes arising out of or relating to these terms of use or your use of the Website shall be adjudicated exclusively in the state and federal courts in Chicago, Illinois.

Copyright Infringement and DMCA Notice

Bankers’ Law respects the intellectual property of others and expects its users to do the same. If you think any User Content infringes on your copyright, then please notify Bankers’ Law at [email protected] with the following information:

  • a physical or electronic signature;
  • identification of the copyrighted work claimed to have been infringed;
  • identification of the infringement;
  • your name, address, telephone number and email address;
  • a statement that you have a good faith belief that use of the content in question is not authorized by the copyright owner;
  • a statement that the information in this notice is accurate, made under pain of perjury, and authorizes Bankers’ Law to forward this information to the alleged infringing user.

Severability

If any provision of these Terms of Use is determined to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be severed from the remaining terms, which shall continue to remain in full force and effect.

No Delay or Waiver

No waiver by Bankers’ Law of the term or condition set forth in these Terms of Use is deemed a further or continuing waiver of such term or provision or any other term or condition, and any failure by Bankers’ Law to assert a right or provision under these Terms of Use does not constitute a waiver thereof.

Entire Agreement

These Terms of Use, together with our Privacy Policy and any other legal notices or additional agreements published on the Website, constitute the entire agreement between you and Bankers’ Law with respect to your use of the Website and supersede all prior agreements, understandings or arrangements, whether written or oral.

Contact

If you have questions about these Terms of Use or need to get in touch with us for any reason, you can reach us at:

Bankers’ Law
1 North Dearborn St Suite 25
Chicago, Illinois 60602
Phone: 773-559-7043
E-mail: [email protected]
Website: https://bankerslaw.net/

Changes in Services and Content

Bankers’ Law may, at any time, without notice to you or any third party, modify, suspend or discontinue all or portions of the Website, including its features, services or content. Bankers’ Law will have no liability to you or to any third party for such modification, suspension, or discontinuance.

User Feedback and Recommendations

Welcome to our Website. We look forward to your feedback and suggestions on how we can improve this Website and our services. By submitting feedback or suggestions for improvement of our Website and our services to us through [email protected], you are granting Bankers’ Law the right to use, reproduce, and incorporate your ideas and suggestions without any obligation on its part.

Prohibited Conduct

In addition to other restrictions set forth in this Site’s License Agreement, you agree not to do the following:

  • Interfere with or disrupt the Website or servers or networks connected to the Website.
  • Plan, authorize, or participate in any denial of service attack on the Website.
  • Transmit any viruses or code of a destructive nature.
  • Probe, scan, or test the vulnerability of the Website.
  • Use or attempt to use the Website to violate the rights of others, including privacy, rights of publicity, or intellectual property rights.

Advertising and Sponsored Listings

Bankers’ Law is, on occasion, provided by way of advertisements, sponsored articles or affiliate links. Such content will always be labelled as advertising or sponsorship. We accept no responsibility for any products or services provided by the advertisers or sponsors and your dealings with them are conducted solely between you and the third party.

Postsecondary and Professional Use

Educators, students and other professionals may cite or otherwise reference Bankers’ Law articles in their academic or professional capacities as long as accurate attribution is provided. Reproduction of material or systematic or bulk reproduction, or use in course packs or for-profit training materials without written permission from Bankers’ Law is prohibited.

Specifically Prohibited Use by Minors and Children

Bankers’ Law is not intended as an invitation for any person under 18 years of age to access the Website or to purchase products and/or services from it. Bankers’ Law advises that visitors who are not adults should do so only if accompanied by a parent or legal guardian who consents to their visit. Bankers’ Law does not knowingly collect information from children under the age of 13.

Dispute Resolution Provision

In the event of any dispute arising from or relating to these Terms of Use or your use of the Website, you agree to first contact Bankers’ Law at [email protected] and attempt to resolve the dispute on an informal basis. Absent an informal resolution, all disputes shall lie in the exclusive jurisdiction and venue of the courts located in Chicago, Illinois.

Accessibility

Bankers’ Law is dedicated to providing a Website that is accessible to the widest possible audience, regardless of technology or ability. We are continually improving the user experience for everyone, and applying the relevant accessibility standards. If you do encounter an accessibility issue, please contact us at [email protected] so we may be of assistance.

Reservation of Rights

Bankers’ Law reserves all rights not expressly granted to a user under these Terms of Use. No rights are licensed by implication, estoppel, or otherwise except as expressly set forth herein.

Notice to European and Other International Residents

If you are visiting Bankers’ Law from abroad, you do so at your own risk and are responsible for complying with local laws. Your usage of the Website may also be governed by applicable rules and regulations in your jurisdiction. Should any provision of these Terms contradict any foreign law, the remaining provisions remain valid.

Acknowledgment and Acceptance

You agree that by accessing and using the Bankers’ Law Website (“Website”) you have read, understood and agree to be bound by these Terms of Use. Please cease use of the Website if you do not accept these Terms of Use.

Call to Action

If you are a banking professional, banker, or banking student, and are looking for information and advice on banking law, you might benefit from connecting with the Bankers’ Law team for our current articles or even to ask your own questions. We can be reached at [email protected], by telephone at (773) 559-7043, or by visiting us at 1 N Dearborn St Ste 25 Chicago IL 60602.