Please read these Terms and Conditions carefully.  By accessing this website, you are agreeing to be bound by these Terms and Conditions.  If you do not agree, do not access this website.  From time to time we may revise these Terms and Conditions without notice.

Copyright
Copyright of the pages, the screens displaying the pages and in the information, materials, and other content contained in this website is owned by Farmers & Merchants State Bank unless otherwise indicated and is protected by U.S. and international copyright laws and treaties.  The information, materials, and other content of this website may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work, or otherwise used for public or commercial purposes without the express written consent of Farmers & Merchants State Bank.

Products and Services
The information, materials, products, and services on this website are subject to change.  Not all products and services are available in all geographic areas.  Your eligibility for particular products or services is subject to determination by and the approval of Farmers & Merchants State Bank.  No solicitation is made by Farmers & Merchants State Bank to any person to use any information, materials, products, or services in any jurisdiction where the provision of such information, materials, products, and services is prohibited by law.

No Warranty
Farmers & Merchants State Bank does not warrant the accuracy, adequacy, completeness, or timeliness or the information, materials, products, and services on this website or the error-free use of this website.  All information, materials, products, and services are furnished "as is" and "as available".  No warranty of any kind, express or implied, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus is given in conjunction with the information, materials, products, and services.

Limitation of Liability
In no event shall Farmers & Merchants State Bank be liable for any damages, losses, or liabilities including without limitation, direct or indirect, special incidental, consequential damages, losses, or liabilities, in connection with your use of this website or your reliance on or use or inability to use the information, materials, products, and services on this website, 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 Farmers & Merchants State Bank is advised of the possibility of such damages, losses, or expenses.

Hyperlinks
Your use of the hyperlinks on this website to other Internet sites is at your own risk.  Farmers & Merchants State Bank is not responsible for the content or accuracy of third-party sites hyperlinked from this web site nor does it guarantee the products or services offered on third-party sites.  You should review the privacy statements of a website before you provide any personal or confidential information.

Applicable Law
Your use of this website is governed by the laws of the State of South Dakota and applicable federal law.