Terms of Use

Your use of any portion of Lake Central’s website is subject to the following terms and conditions; and by accessing this website, you are agreeing to be bound by these terms and conditions. Lake Central reserves the right to change these Terms of Use, or the content of any portion of our website at any time without notice.

This site is not intended for children under the age of 13. By using this site, you affirm that you are over the age of 13.

Applicable Law 

Your use of this website is governed by the laws of the State of Minnesota and any applicable federal United States laws.

Copyright and Trademark Information

The trademarks, trade names, and service marks (the “Marks”) used on Lake Central’s website belong to Lake Central or to various other parties. No one is authorized to use any of the Marks in any manner without the prior express written permission of the owner of the Mark. The materials displayed on Lake Central’s website are protected by U.S. and international copyright law and treaties, and shall not be transmitted, broadcast, copied, adapted, displayed, reproduced, republished, uploaded, downloaded, posted, distributed, performed or otherwise used without the prior express permission of Lake Central Bank. All site design rights, databases and other intellectual property rights associated with the site, whether registered or unregistered, and related goodwill, are proprietary rights of Lake Central Bank. Modification of any Marks or materials displayed on the site or the use of any materials displayed for any other purpose is a violation of the copyrights and other proprietary rights of Lake Central Bank and is prohibited.

Products and Services 

For individual products and services offered by Lake Central, the applicable customer agreements and disclosures will govern your use of the account and/or service, and the terms of those disclosures and agreements will continue to apply. There are various restrictions, limitations, and costs associated with Lake Central’s products and services, which are disclosed in the applicable customer agreements and continue to apply regardless of any information provided in our website. The information, materials, products and services on this website are subject to change. Your eligibility for particular products or services is subject to determination by Lake Central. No solicitation is made by Lake Central 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 third party is authorized to solicit Lake Central products or services without Lake Central Bank’s prior express written permission.

No Warranty 

All information, materials, products and services are provided “as is” and “as available”. From time to time Lake Central’s website may include information from third parties, and/or links to other websites. Lake Central does not make any warranties, express or implied, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose regarding any materials, products and services on this site, any third party information or any links to other websites; and Lake Central assumes no responsibility for the accuracy, adequacy, timeliness, completeness, reliability or suitability of the information provided on this site or by third parties or information, software (if any), offers or activity found on other websites which may be linked to our site. Any links to third-party websites are for convenience only and should not be interpreted as endorsement or approval by Lake Central of the organizations sponsoring such third-party websites or their products or services. If you use these links, you will leave this site. These terms do not apply to any other websites. With respect to this site and to third-party websites, Lake Central does not make any warranties regarding the results of the use of the materials on this site or on any third-party website, or that the functions contained on this site or on any third-party website will be uninterrupted or error-free, that defects will be corrected, or that this site or the server which makes it available, or any third-party website, are free of viruses or other harmful components. You should review the privacy statements of a website before you provide any personal or confidential information.

Limitation of Liability

Lake Central disclaims liability for any and all claims, losses, costs, expenses (including attorneys’ fees), and damages of whatever kind or nature including without limitation general, direct or indirect, compensatory, special, incidental, consequential, punitive, exemplary or treble damages (“damages”) based on any theory of liability, in connection with any use of Lake Central’s website or your reliance on or use or inability to use the information, materials, products and services contained therein, the inability to use this site or the materials on it, the misappropriation of materials, or the loss of, or damage to, materials for any reason, 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 Lake Central has been advised of the possibility of such damages.

User-Submitted Information and Prohibited Activities.

You are responsible for anything you transmit to or through this site or to us through email, and that your transmissions will be truthful, accurate, not misleading, offered in good faith and that you have authority to transmit such information. You must not transmit anything to us through unsecured email that you consider to be confidential or proprietary. Anything that you transmit to us through unsecured email will be considered to not be confidential or proprietary.

Violate or attempt to violate the security of this Site.

Any such violations may result in criminal and/or civil penalties against you. Lake Central may investigate any suspected violation and if a criminal violation is suspected, we will cooperate with law enforcement agencies in their investigations. The following will be investigated:

  • Sending or otherwise transmitting to or through this site any unlawful, infringing, harmful, harassing, defamatory, threatening, hateful 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;
  • Misrepresenting your identity or affiliation in any way;
  • Restricting, discouraging, or inhibiting any person from using this site, disclosing personal information obtained from this site, or collecting information about users of this site;
  • Reverse engineering, disassembling or decompiling any section or technology on this site, or attempting to do any of the foregoing;
  • Gaining unauthorized access to this site or computers or websites connected or linked to this site;
  • Launching or using 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;
  • Sending or otherwise transmitting to or through this site chain letters, unsolicited messages, so-called “spamming” or “phishing” messages, or messages marketing or advertising goods and services;
  • Violating any applicable laws or regulations or these terms; or
  • Assisting or permitting any persons in engaging in any of the activities described above.

You agree to indemnify, defend and hold Lake Central Bank, its affiliates and its holding company and their respective directors, officers, employees, agents and contractors harmless from and against any and all claims, damages, losses, costs (including without limitation reasonable attorneys’ fees) or other expenses that arise directly or indirectly out of or from (i) your breach of any provision of these terms; or (ii) your activities in connection with this site.

Termination of Use:

Your continued access of Lake Central’s website will be subject to the Terms of Use in effect at the time you access our website. Lake Central Bank may terminate your use of this site or any features or services at any time and for any reason without notice for conduct violating these terms. Upon any such termination, you must destroy all materials obtained from this site and all copies. The provisions of these terms concerning governing law, Marks, products and services, warranty, limitation of liability, user submissions, prohibited activities, and site security issues shall survive any such termination. If any provision of these terms is unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions. These terms are the entire agreement between you and Lake Central Bank relating to the subject matter herein and shall not be modified except as provided herein.

Internet Banking Security

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