Communications

• You may not upload information or material that violates any copyright, trademark or other proprietary rights of any person or entity.
• You must not include any obscene, libelous or defamatory content in your communications. 
• You acknowledge that from time to time, some of those communications may be shared with other departments within Hickory Point Bank and Trust.

Submissions
Information submitted to Hickory Point Bank and Trust through our web site will become and remain the property of Hickory Point Bank and Trust.  Hickory Point Bank and Trust will be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information provided to Hickory Point Bank and Trust through our web site.  Hickory Point Bank and Trust will not be subject to any obligations of confidentiality regarding submitted information except as agreed to by Hickory Point Bank and Trust in establishing and/or maintaining a direct customer relationship or as otherwise specifically agreed to or required by law.

Disclaimer of Warranties
The information, materials, and functions contained on these web pages, including text, graphics, links or other items are provided on an “as-is” basis without warranties of any kind, either express or implied, including but not limited to warranties or merchantability, fitness for a particular purpose, or freedom from computer virus. Hickory Point Bank and Trust does not warrant the adequacy, accuracy or completeness of the information and materials included on these web pages or in third party sites linked to or from our web pages or that the functions provided will be uninterrupted or error-free. Hickory Point Bank and Trust expressly disclaims any liability for any errors in or omissions from information, materials and functions included on these web pages or any third party sites linked to or from our web pages.

Disclaimer of Liability
In no event will Hickory Point Bank and Trust be liable for any direct or indirect, special, incidental, consequential, or punitive damages or lost profits arising in connection with use of our web pages, any interruption in availability of our web pages, delay in operation or transmission, computer virus, loss of data, or otherwise, even if Hickory Point Bank and Trust has been advised of the possibility of such damages or loss.