Legal

Last modified and effective as of October 13, 2023

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS SITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.

As used herein the terms “You” and “User” shall mean any visitor to the website. Unauthorized use of Webster Bank’s websites and systems, including but not limited to unauthorized entry into Webster Bank’s systems, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited.

You acknowledge that Webster Bank may disclose and transfer any information that you provide through this Website to (1) any company within the Webster Bank group, its affiliates agents or information providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate (including to countries outside the EEA), and by using and providing information through this Website you agree to such transfers. Use of this Website, including any patterns or characteristics concerning your interaction with it, may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording.

You agree not to attempt to log on to the Website from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under sanctions may be obtained on the U.S. Department of the Treasury website. Any attempt to log on to the Website from one of these countries may result in your access being restricted and/or terminated.

Copyright Notices

The works of authorship contained in the Webster Bank Website (webster.com) (the “Website”), including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Webster Bank or one of its subsidiaries, (“Webster Bank”). Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without Webster’s prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of Webster Bank’s proprietary rights provided that you may download information and print out hard copies, except for any third party exchange data, for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.

Trademark Notices

“Webster Bank” and the Webster Bank logo are trademarks of Webster Bank. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of other respective owners in the United States and/or other countries.

Requirements

For optimal viewing experience of webster.com, please use a computer or other electronic device with internet access that is running a supported operating system and web browser, such as current versions of Chrome, Firefox, Safari, or Microsoft Edge.

Current Version = a version of the software that is supported by both the publisher as well as us.

Certain features or content offered on the website may require you to open an account or may otherwise ask you to provide information. If you elect not to provide such information, you may not be able to access certain content or features.

You agree to notify Webster immediately of any unauthorized use of your account. You are responsible for maintaining the confidentiality of any of your usernames or passwords associated with Webster’s websites and content. You may be held liable for losses or damages incurred by Webster or any other user of or visitor to the website due to someone else using your user name, ID, password, or other information which provides access to the website. Webster is not liable for any loss or damage that you may incur as a result of your failure to comply with these requirements.

You agree that Webster may collect and use technical and usage data and related information, including but not limited to, technical information about your device, date and time of website access, system and website software, and peripherals, that is gathered periodically to facilitate the provision of product support and other services to you (if any) related to the website. You grant Webster the permission to use this information to improve its products or to provide services or technologies to you, as well as to provide advertising content in which Webster believes you may be interested, including working with third parties who provide targeted advertising content. For more information on how we collect, use and share your online data and how you can manage your online privacy choices, please see the Privacy Notices. By using the Website, you accept and agree to be bound and abide by these Terms of Use, and our Privacy Notices incorporated herein by reference. If you do not agree to these Terms of Use, and the Privacy Notices, you must not access or use the Website. This website is offered and available to users who reside in the United States or any of its territories or possessions. By using this Website, you represent and warrant that you are of legal age and have the capacity to enter into a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

Web Content and Materials

The information on this Website is for information purposes only. It is believed to be reliable, but Webster Bank does not warrant its completeness, timeliness or accuracy. The information on the Website is not intended as an offer or solicitation for the purchase of Webster Financial Corporation stock, any other security or any financial instrument.

Materials and information posted on the Website may be printed for your use, provided, however, that third party exchange data, if any, may not be downloaded, printed or redistributed for any purpose whatsoever. Materials and information posted on the Website may not be duplicated, copied, re-disseminated or re-distributed to any other person or entity. Re-dissemination and re-distribution includes, without limitation, making any such materials and information available via the Internet or via any other electronic means of access.

All Webster Bank research is subject to a disclaimer included in such research. Any material excerpted or summarized from a research report is subject to the terms of the disclaimer. The information on the Website, including research, is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. Any investments discussed on the Website may fluctuate in price or value. Investors may get back less than they invested. Changes in rates of exchange may have an adverse effect on the value of investments.

The value of the securities or financial instruments mentioned herein (including the income derived there from) may be adversely affected by changes in market prices and exchange rates, the imposition of taxes and other factors. Prices, opinions and estimates reflect our judgment on the date of original publication and are subject to change at any time without notice. Information concerning past performance is not necessarily a guide to future performance.

The information and materials contained in this Website-and the terms and conditions of the access to and use of such information and materials-are subject to change without notice. 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.

You agree that (i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with Webster Bank, and (ii) in circumstances where locations of the Website require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals. You agree that you will not use any robot, spider, other automatic device or manual process to monitor or copy our Webpages, data or the content contained herein or for any other unauthorized purpose without our prior expressed written permission.

Please seek the advice of professionals as necessary regarding the evaluation of any content of this Website.

WEBSTER BANK OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND WEBSTER BANK DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. WEBSTER BANK RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING THIS WEBSITE AND INFORMATION, PRODUCTS OR SERVICES VIA THIS WEBSITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY WEBSTER BANK TO ANY PERSON TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.

You shall be responsible for obtaining and maintaining all telephone computer hardware, software and other equipment needed to access this Website. Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:

Hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;

Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;

Overload of system capacities;

Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;

Interruption (whether partial or total) of power supplies or other utility of services;

Strike or other stoppage (whether partial or total) of labor;

Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; and

Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of Webster Bank.

If access to this Website is unavailable, delayed or limited, or if this Website does not operate quickly and efficiently, you may be unable to transmit your instructions for transactions and other matters, or such instructions may not be promptly executed or you may be unable to retrieve information on a timely basis. If your operations are dependent on such communications with us, and such communications are disrupted or delayed, you may suffer losses. Webster Bank will not be liable for any such loss.

Links to Other Sites

Links to non-Webster Bank Websites are provided solely as pointers to information on topics that may be useful to the Users of this Website and Webster Bank has no control over the content on such non-Webster Bank Websites. If you choose to link to a Website not controlled by Webster Bank, Webster Bank makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Webster Bank warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Webster Bank does not guarantee the authenticity of documents on the Internet. Links to non-Webster Bank sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content of such sites and we expressly disclaim any such endorsement or representation. In addition, these third party websites may have a privacy policy or security practices different from this Website so it is important to read the policies of those sites before sharing personal information.

Submissions

By using this website, creating an account, or otherwise posting or submitting content on this website, you understand, represent and agree to the following with regard to anything that you post or submit (“Your Content”):

Your Content is your original and sole creation;
Your Content does not infringe upon any third-party rights, including but not limited to patent, copyright, trademark, trade dress, design right, right of publicity or privacy or any intellectual property right;
Your Content does not contain material that may be considered defamatory, slanderous or libelous or depict any person, entity or product in a false light;
Your Content does not violate any law or regulation;
You grant the Webster Entities an irrevocable, fully paid, royalty-free, perpetual, transferable, sub-licensable, non-exclusive, worldwide license to use, copy, publish, distribute, adapt and modify Your Content, or create derivative works from Your Content, in any and all media now known or hereafter devised, for any purpose and you have obtained any consents necessary to grant this license; and
The Webster Entities shall not be subject to any obligation of confidentiality with respect to Your Content except as specifically agreed in writing by a Webster Entity or as required by law.

RELEASE

If you have a dispute with any person over the use of an External Account Transfers Site (as defined herein) or any transfer or service you requested on an External Account Transfers Site, you release us and our affiliates, agents, employees and service providers, from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes. In addition, you waive and release any and all provisions, rights and benefits conferred either (i) by § 1542 of the California Civil Code, which reads: “Section 1542. General release; extent. A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor;” or (ii) by any law of any state or territory of the United States, or principle of common law, which is similar, comparable or equivalent to § 1542 of the California Civil Code. For purposes herein, the term “External Account Transfers Site” means any website through which you utilize services, including any services relating to checking, savings or money market accounts that you hold at a financial institution other than Webster Bank.

EXCLUSIONS OF WARRANTIES

THE SITE AND SERVICES PROVIDED TO YOU BY WEBSTER BANK, AND ANY RELATED DOCUMENTATION, ARE PROVIDED TO YOU “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF OUR SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless Webster, its affiliates and their respective officers, directors, employees, agents, successors and assigns (“Webster Entities”) from and against any actual or alleged claims or losses arising from, in connection with, or based on allegations whenever made of any of the following: your breach of these Terms of Use; your use of this website and content; any claim that your use of this website and any content violates any law; the use of Your Content by any Webster Entity; or any claim arising out of, or in connection with, your negligent acts or omissions. This obligation shall survive the termination or expiration of these Terms of Use. You will cooperate fully as reasonably required in the defense of any claim. Webster reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to the indemnification by you.

LIMITATION OF LIABILITY

BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE) IS PROVIDED “AS IS,” “AS AVAILABLE”. WEBSTER BANK AND THIRD-PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE. WEBSTER BANK AND THIRD-PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE, 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, WEBSTER BANK WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND FILES AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM. NOR WILL WEBSTER BANK BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND WEBSTER BANK’S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

WEBSTER BANK AND THIRD PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING WEBSTER BANK ‘S RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

UNDER NO CIRCUMSTANCES WILL WEBSTER 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 WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER WEBSTER 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.

Enforceability and Governing Law

In the event any of the terms or provisions of these Terms and Conditions shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms and Conditions shall be subject to any other agreements you have entered into with WEBSTER BANK. The user’s access to and use of the Webster Bank (webster.com) Website, and the terms of this disclaimer are governed by the laws of the State of Connecticut.

Any action against Webster Bank arising from or relating to your access to and use of the Website and the provisions of these Terms and Conditions must be brought by you in state or federal court located in the State of Connecticut. You consent to the jurisdiction and venue of the state and federal courts located within the State of Connecticut, for the adjudication of all claims by Webster Bank against you arising from or relating to your access to and use of the Website and the provisions of these Terms and Conditions.