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Terms of Use


This website (“Site”) is owned and controlled by TCF National Bank (“TCF”).  Your use of the  Site or any part of it constitutes your agreement to all of the following terms, conditions, and notices ("Terms of Use"). If you do not agree with these Terms of Use, your sole remedy is to discontinue using the Site.  The Site is not intended for use by individuals under the age of 13.
 

Use of Website

Information within the Site, including any policies or procedures, is intended as general guidance only.  Except as expressly provided in the Site, the information does not constitute a contract with you or amend or alter any contract TCF has with you.  Your use of the Site is subject to the TCF Online Privacy and Security Policy, which you can access by a link at the bottom of the page.  If you are enrolled for TCF’s online or mobile banking services, your use of those services is subject to TCF’s Online and Mobile Banking Access Agreement.  You can access that agreement by signing into TCF Online Banking, clicking on “Help,” and then “Disclosures and Agreements.”
 
Products or services mentioned in the Site are available only in the United States and may not be available in all geographic areas.  Your eligibility for particular products or services is subject to approval or acceptance by TCF.  
 
You are responsible for internet connectivity and any computer hardware, software or other equipment necessary to access the Site.

Third Party Links
 
The Site may contain links to websites owned or controlled by third parties not affiliated with TCF.  TCF disclaims responsibility for any third-party’s website content, products, privacy policies, or security, notwithstanding that the third-party’s website may be linked to the Site.  Any advice, opinions, or recommendations in third-party websites are those of the providers and not TCF.   In the event you choose to use the services available at or through a third-party’s website, you agree to read and adhere to the policies and terms of use applicable to that site.  Your participation in any third-party website, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you and the third-party provider.

Tools and Calculators
 
The Site may contain links to financial tools and calculators provided by third parties not affiliated with TCF ("Tools and Calculators"). The Tools and Calculators are for informational purposes only, and you should not rely on them in making important financial decisions. TCF cannot guaranty the accuracy of the Tools and Calculators,  and makes no representations or warranties concerning them.  TCF further disclaims any and all liability for damages of any kind arising from your use of the use of the Tools and Calculators. The Tools and Calculators do not necessarily reflect the terms of any products offered by TCF, and they are not a commitment to make a loan on any particular terms (or at all). Your use of the Tools and Calculators is governed by the provider's terms and conditions of use. You can view those terms and conditions when you access the Tools and Calculators.
 
Copyright and Trademark
 
TCF maintains the Site as a service to the Internet community. Unless otherwise identified, all content within the Site (including the design, text, images, graphics, software, and other content) is protected by the U.S. copyright laws and international treaties.  You may use, download or copy the content only for your personal, non-commercial use, provided that the copyright notice shown below appears on all copies along with this permission notice, and provided no modifications to the content are made.  Use for any other purpose or any modification of the content is prohibited.  You do not acquire any ownership rights by downloading or copying the copyrighted material.
 
The TCF logo is a federally registered trademark owned by TCF.  Other featured words used on the Site to identify the source of goods and services are trademarks and service marks owned by TCF or third parties.  You may not use, copy, display, distribute, modify, or reproduce any of the trademarks on the Site except as authorized above. You may not use the TCF trademark as a link to the Site except pursuant to a written trademark license agreement.
 
If you believe in good faith that materials available on the Site infringe your copyright, you or your representative may send TCF a notice requesting us to remove the material or block access to it.  If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the Digital Millennium Copyright Act permits you to send TCF a counter-notice. Learn more at the U.S. Copyright Office site.
 
Copyright Notice:             Copyright© 1999-2014
                                            TCF National Bank
                                            801 Marquette Avenue
                                            Minneapolis, MN 55402, USA
                                            All rights reserved.
 
Disclaimer of Warranties and Limits of Liability
 
For purposes of this section, the "TCF-Related Parties" means: (1) TCF; (2) TCF's employees, officers and directors; (3) TCF's affiliates (that is, parties that own TCF, are owned by TCF, or are under common ownership with TCF); (4) TCF's agents, licensors, independent contractors and subcontractors; and (5) third party service providers that the TCF-Related Parties use.
 
The Site and services therein are provided to you as-is. The TCF-Related Parties therefore make no warranties of any kind for the Site or services. This includes both express warranties and implied warranties. Implied warranties include implied warranties of merchantability and fitness for a particular purpose. A warranty is a guaranty that the Site or services will meet certain standards.
The TCF-Related Parties do not warrant that the site or services will be uninterrupted or error free, or that defects will be corrected. They also do not warrant that the Site is free of viruses or other harmful components. They also do not warrant the timeliness, accuracy, reliability or completeness of the Site or services. 
 
Without limitation, the TCF-Related Parties will not be liable to you for any loss, claim, injury, or damage in connection with: (1) these Terms of Use; (2) your use of the Site or inability to use the Site; (3) any problems with the communications between you and us; (4) any unauthorized interception of the communications between you and us; (5) any computer virus; or (6) the actions or inactions of any third parties. This limitation on the TCF-Related Parties' liability applies, even if any of them are aware of the possibility that any events described in (1) through (6) could occur.
In no event will any of the TCF-Related parties be liable to you for any: (1) incidental damages; (2) consequential damages; (3) special damages; (4) indirect damages; or (5) punitive damages. This limitation of liability applies, whether you base an action against the TCF-Related Parties on: (a) a contract; (b) a warranty; (c) a tort (such as claim of negligence, recklessness, or intentional act); or (d) any other theory. This limitation of liability applies even if any of the TCF-Related Parties know about the possibility of such damages. Therefore, by way of example, the TCF-Related Parties will not be liable to you for lost data, lost profits or goodwill, investment losses, finance charges, lost opportunities, cost of obtaining substitute services, or other economic damages.
The laws of some states may prohibit the limitation of liability for consequential damages, or incidental damages, or other kinds of damages. In those states, to the extent their laws apply, the limitation of liability with respect to consequential damages, or incidental damages (or other damages specified by law in such states), may not apply.
 
Severability
 
If any provision of these Terms of Use is determined to be unenforceable, or invalid, such determination shall not affect the validity or enforceability of the remaining provisions.

Non Deposit Investment or Insurance Products and Services
 
The Site contains information or links to other websites about investment or insurance products or services, such as securities brokerage, annuities, mutual funds, and life insurance. These products and services are not obligations or deposits of TCF National Bank, they are not guaranteed by TCF National Bank, and they are not FDIC insured. These products and services are subject to risks, including the possible loss of the amount you invest. The value of any securities described in this website or other linked websites can fall as well as rise and an investor may get back less than the amount invested. Past performance is not necessarily a guide to future performance.
 
Right to Modify
 
TCF reserves the right to modify these Terms of Use at any time without notice.  However, the most current version of these Terms of Use will always be posted on the Site and available by clicking the link at the bottom of the page.  By continuing to use the Site after these Terms of Use have been modified and posted on the Site, you agree to be bound by the Terms of Use as modified. 
 
 
Governing Law
 
Except as otherwise expressly provided in the Site, your access to and use of the Site are governed by and will be construed in accordance with applicable federal laws and the laws of the State of Minnesota, without regard to the principles of conflicts of laws.
 
TCF Bank Information
 
TCF is a Members FDIC and an Equal Housing Lender. TCF extends credit without regard to an applicant's race, color, national origin, religion, sex, marital status, family status, handicapped or disability status, age (provided the applicant has the legal capacity to enter into a binding contract), whether income is derived from public assistance, or whether the applicant has in good faith exercised rights under the Consumer Credit Protection Act.