Please carefully read the following terms and conditions for the unionbank.com website ("Site"). By accessing this Site you agree to the terms and conditions outlined below.
Unauthorized use of websites and systems of Union Bank® ("Union Bank," "we," or "our"), including, but not limited to, unauthorized entry into Union Bank's systems, misuse of passwords, or misuse of any information posted, is strictly prohibited. This Site is not intended for children under 13 years of age. By using this Site, you affirm that you are 13 years of age or older.
Web content and materials
The information on this Site is believed to be reliable, but Union Bank does not warrant its completeness, timeliness, or accuracy and expressly disclaims liability for errors or omissions in the materials and information. Any dated information is published as of its date only, and Union Bank does not undertake any obligation or responsibility to update or amend such information. By offering this Site, and information, products, or services via this Site, no distribution or solicitation is made by Union Bank to any person to use the Site or such information, products, or services in jurisdictions where the provision of the Site and such information, products, or services is prohibited by law.
The information on the Site is not intended as an offer or solicitation for the purchase of any bank product or service. Eligibility for particular products and services is subject to the final determination by Union Bank and/or its affiliates. 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. Products and services described in this Site are subject to the terms and conditions of the applicable agreement for each such product and service.
Potential disruption of service
Access to the Site may from time to time be unavailable, delayed, limited, or slowed due to, among other things:
Links to other sites
Union Bank may make interactive online chat service available to you in connection with some products or services. We make no warranty that chat service will be available at any particular time. The chat service is provided as a convenience to help you understand our products and services, and our agents attempt to provide the most accurate information possible. However, nothing we communicate through the chat service may be considered an offer to establish a loan or deposit account or any other product or service, and rates and other conditions quoted through the chat service may change at any time without notice. Information communicated through the chat service will not be considered a legal agreement, representation, or warranty as to our products, services, processes, decisions, or response times. Communication with us through the chat service will not constitute any required consent by you regarding any transaction requiring a signature or electronic signature. Any use of abusive, defamatory, or inappropriate language during a chat session may result in termination of the session.
Limitation of liability
BECAUSE OF THE POSSIBILITY OF HUMAN OR MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE SITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE SITE) IS PROVIDED "AS IS," "WHERE IS," AND "AS AVAILABLE," WITH NO WARRANTIES OR REPRESENTATIONS REGARDING THE SITE. UNION BANK DISCLAIMS ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE SITE, 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, UNION BANK WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN THIS SITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS SITE AND FILES AND THE USER'S BROWSER OR OTHER SITE-ACCESSING PROGRAM. NOR WILL UNION BANK BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND UNION BANK'S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.
UNION BANK IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE, OR BODILY INJURY IN CONNECTION WITH ACCESS TO, USE OF, OR INABILITY TO USE THIS SITE. UNDER NO CIRCUMSTANCES WILL UNION 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 SITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER UNION 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.
NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING UNION BANK'S RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.
In using the Site, you agree not to:
a) Misrepresent your identity in any way;
b) Violate or attempt to violate the security of this Site. Any such violations may result in criminal and/or civil penalties against you. We may investigate any suspected violation and, if a criminal violation is suspected, we will cooperate with law enforcement agencies in their investigations;
c) Send or otherwise transmit to or through this Site any unlawful, infringing, harmful, inappropriate, or otherwise objectionable material of any kind, any material that can cause harm or delay to this Site or computers of any kind, and any unsolicited advertising, solicitation, or promotional materials;
d) Reverse engineer, disassemble, or decompile any section or technology on this site;
e) Launch or use any automated system, including without limitation "robots," "spiders," or "offline readers," that access this Site in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional web browser;
f) Send or otherwise transmit to or through this Site chain letters, unsolicited messages, "spamming" or "phishing" messages, or messages marketing or advertising goods and services; or
Relationship to online banking services
Enforceability and governing law
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 Union Bank or one of its subsidiaries or affiliates. Except as otherwise expressly stated, they may not be copied, displayed, performed, distributed, licensed, framed, downloaded, modified, published, reposted, sold, transmitted, stored for subsequent use, or otherwise used in whole or in part in any manner without the prior written consent of Union Bank. The exception is the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then only with notices of Union 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.
Legal entity disclosure
Union Bank is the marketing name of MUFG Union Bank, N.A., a member of Mitsubishi UFJ Financial Group, Inc. (MUFG), a global financial group. MUFG group companies include MUFG Bank, BTMU Capital Corporation, Mitsubishi UFJ Trust and Banking Corporation, MUFG Securities Americas Inc., MUFG Union Bank, N.A. (“MUB”), UnionBanc Investment Services LLC (“UBIS”), and HighMark Capital Management, Inc. (“HighMark”). Corporate or commercial lending or deposit activities are performed by banking affiliates of MUFG, including, in the United States, BTMU and MUB. Securities, financial advisory, and investment banking activities are performed by one or more broker-dealer or investment advisory affiliates of MUFG (“Securities Affiliates”), including, in the United States, MUS, a registered broker-dealer and member of FINRA and SIPC, and UBIS, a registered broker-dealer and member of FINRA and SIPC and an SEC-registered investment adviser. Investment advisory services are also available through HighMark, an SEC-registered investment adviser.
MUFG Union Bank, N.A., is a Member FDIC and its banking products are insured up to applicable FDIC insurance limits.
MUFG Bank, is not a Member FDIC and its products ARE NOT insured by the FDIC or other government agency.
“Union Bank” and the stylized “U” logo are registered trademarks of MUFG Union Bank, N.A.
The MUFG logo and name is a service mark of Mitsubishi UFJ Financial Group, Inc., and may be used by it or other group companies for branding or marketing purposes. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners.
UnionBanCal Corporation, now known as MUFG Americas Holdings Corporation, the parent of Union Bank (now MUFG Union Bank, N.A.), is licensed under the following, and related Ronald A. Katz Technology Licensing, L.P. MUFG Americas Holdings Corporation and MUFG Union Bank, N.A., are licensed by DTC under U.S. Patent Nos. 5,910,988 and 6,032,137.
Termination and changes in terms