Important Information and Legal Notices


General Terms of Use

Effective Date: April 1, 2014
   

You are currently viewing a hancockbank.com web page or a page of a related website of Hancock Bank (the “Website”). Whitney Bank, doing business as Hancock Bank, maintains this Website for itself, certain of its subsidiary companies, including, but not limited to, Hancock Investment Services, Inc., and Hancock Insurance Agency, Inc., and its parent company, Hancock Holding Company.    Individually and collectively, Whitney Bank, doing business as Hancock Bank, these subsidiaries, and its parent are sometimes referred to herein as "Hancock, or “we.” "us”, “our.” 

This Website and any of the services we provide in connection with this Website (the “Services”) are being provided to you expressly subject to these Terms of Use, which govern your use of this site. Please read these Terms of Use carefully. By accessing this Website you agree to be bound by these Terms of Use.  “Services” under these Terms of Use include financial services for consumers and businesses and business services that we offer to you directly, and additional services available to you from independent third party service providers accessed through navigation from the Website.

We reserve the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking on the “Legal Notices” link at the bottom of each web page. If you find the Terms of Use unacceptable at any time, you may discontinue your use of the Services. By continuing to use the Services after the date of any change to these Terms of Use, including accessing the Site, you agree to be bound by the rules contained in the most recent version of this agreement.

If you are enrolled in Hancock Bank Online Banking or Hancock Bank Business Online Banking:

  • Your use of the Online Banking Services is governed by our Online Banking Agreement or Business Online Banking Agreement and related addendums (collectively, the “Online Banking Agreements”), and
  • If there is a conflict between these Terms of Use and the Online Banking Agreements, the Online Banking Agreements control.

We reserve the right to modify or terminate the Services and the Website or to terminate your access to the Services and Website, in whole or in part, at any time.

Intellectual Property Notices – Copyrights, Trademarks, and Restrictions on Use


All of the pages and screens on the Website are owned and controlled by us, except as otherwise expressly stated, and are protected by U.S. copyright laws. The copyrighted materials on the Website include, but are not limited to, the text, design, software, images, graphics, source code, and the content on this Site. You are authorized to view the information available on the Website for your informational purposes only. You may download copyrighted materials for your personal or internal business purposes only. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You may not copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of or republish all or any portion of the Website for any commercial or public purpose without our prior written consent.

Hancock Bank® and the Hancock Bank “lighthouse” symbol and design are federally registered trademarks owned by us. Other featured words used on the Website to identify the source of goods and services are trademarks and service marks owned by Hancock or owned by third parties. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Website except as authorized in this paragraph. You may not use any of our trademarks as a link to the Website except pursuant to a written trademark license agreement.

Links To Other Websites


For your convenience, this Website contains links to websites controlled or operated by third parties.  We have no control over any such third party websites.  Thus, hyperlinks to other internet websites or resources are used at your own risk.   We hereby disclaim liability for any other company's website content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site. In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not of ours. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you and the linked site provider.  Prior to providing any personal information on any linked third party website you should make sure the site is using a secure server to encrypt the information or transaction and that you are using a secure web browser. 

Web Content and Materials


Not all of the Services are available in all geographic areas. You may not be eligible for all the Services described on this Website. Your eligibility for particular Services is subject to our final determination and acceptance.  We may discontinue or make changes in the Services at any time.  Any dated information is published as of its date only.  We reserve the right to terminate or change any or all web offerings without prior notice to you.

WE OR OUR SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION OR SERVICES DESCRIBED HEREIN AT ANY TIME. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND WE DO NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. WE RESERVE THE RIGHT TO TERMINATE ANY OR ALL WEB OFFERINGS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING INFORMATION OR SERVICES VIA THIS WEBSITE, NO SOLICITATION IS MADE BY US TO ANY PERSON TO USE SUCH INFORMATION OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF SUCH INFORMATION OR SERVICES IS PROHIBITED BY LAW.

Communications Via This Website


Except where expressly indicated otherwise, transmissions to and from this Website or otherwise directed to us, including emails, are not sent in a secure form and can be intercepted by third parties and may not ultimately be received by our representatives.  Please do not use email to send us communications which contain confidential information (except by securing messaging in Hancock Bank Online Banking or Business Online Banking) or email us information that we otherwise require to be in writing or regarding matters that needs immediate attention.  In such circumstances, rather than email, please call us at one of the numbers provided in the “Contact Us” tab of this Website.  Any transmission to this Website, including emails, shall be deemed and remain our property.  We shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques that you provide to us through this Website or through Hancock Bank Online Banking or Business Online Banking.  

Securities Law and Other Disclosures


The information herein is not an offer to sell, or to solicit an offer to purchase any securities by anyone in any jurisdiction in which such offer or solicitation is not authorized, or in which we or the person making such an offer is not qualified to do so, or to anyone to whom it is unlawful to make such an offer or solicitation, or to anyone in any jurisdiction outside of the United States.

Investment products and services, including, but not limited to securities (including mutual funds) and annuities, are (i) not bank deposits and are not FDIC insured, (ii) not obligations of or guaranteed by us and (iii) products that involve investment risks, including the possible loss of the principal amount invested.

Disclaimer; No Warranty; Limitation of Liability

THE SERVICES ARE OFFERE D ON AN "AS IS," "WHERE IS" AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND-WHETHER EXPRESS, IMPLIED OR STATUTORY-INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT, IF ANY.

YOU ACKNOWLEDGE THAT NEITHER WE NOR ANY OF OUR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SERVICES OR THE WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES OR THE WEBSITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SERVICES AND THE WEBSITE. WE DO NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES. (THIS DOES NOT AFFECT ANY MANUFACTURER'S WARRANTIES THAT THE PROVIDERS OF THE LINKED SITES OTHERWISE OFFER.)  YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK.

EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT WE ARE NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE WEBSITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY INDIRECT, INCIDENTIAL, SPECIAL OR CONSEQUENTIAL, PUNITIVE DAMAGES ARISING IN ANY WAY OUT OF THE USE OF THIS WEBSITE AND SERVICES, THE INSTALLATION OR USE OF ANY ONLINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM; EVEN IF WE ARE AWARE OF THE POSSIBILITY OF ANY SUCH DAMAGES.

Indemnification


You agree to defend and indemnify us and hold us harmless and our respective directors, officers, employees and agents from and against all claims, damages and expenses, including attorneys' fees, arising out of your violation of these Terms of Use or misuse of the Service or this Website, including such violation or misuse conducted by your employee or agent, if applicable.

Governing Law and Venue


Whitney Bank, doing business as Hancock Bank, a banking corporation chartered under the laws of the State of Mississippi, maintains this Website for itself and for certain Affiliates. Accordingly, your general use of this Website is subject to the terms and conditions herein which shall be interpreted according to Mississippi law, without regard to its conflict of law provisions, and to the laws of the United States.  You further agree that disputes arising from the use of this Website shall be exclusively subject to the jurisdiction of the appropriate state or federal courts in the First Judicial District of Harrison County, Mississippi.  However, your use of the Online Banking Services shall be subject to the terms and conditions in those Online Banking Services agreements and addendums that you have accepted as a condition of gaining access and using such Online Banking Services.

Severability

To the extent any portion of these Terms of Use is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms of Use, as modified, shall continue in full force and effect.

No Waiver

No waiver by us of any right under or term or condition of these Terms of Use will be deemed a continuing waiver of such right, term or condition or a waiver of any other right, term or condition of these Terms of Use.