Terms of Use




No Warranty

This site and its content and the information and material contained in this site are provided “as is,” “as available.” Farmers & Merchants Bank does not warrant the accuracy, adequacy or completeness of this content, information and material, and expressly disclaims liability for errors or omissions in this information and material. No warranty of any kind (e.g., implied, expressed or statutory, including but not limited to the warranties or non-infringement, title, merchantability, fitness for a particular use and freedom from computer virus) is given in conjunction with the information and material contained in this site.

Limitation on Liability

You acknowledge that in no event will Farmers & Merchants Bank be liable for any damages, including, without limitation, direct, indirect, special, incidental, or consequential damages, losses or expenses arising in connection with use of this site or any linked site (or inability to use this site or any linked site) by any party, 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 advised of the possibility of such damages.


This site may contain links to sites controlled or offered by third parties not affiliated with the Farmers & Merchants Bank. When you click on such a link, you are leaving this site and are visiting the linked site at your own risk. You are responsible to protect against disability or destructive code you may encounter on any linked site. Farmers & Merchants Bank disclaims liability for any information, materials, products or services posted or offered at any third party site linked to this site. Farmers & Merchants Bank does not endorse or recommend any products, services or information contained at those linked sites, nor is The Farmers & Merchants Bank liable for any failure of products or services offered or advertised at such linked sites. In addition, the sponsors of such linked sites may have terms of use and privacy policies that differ from the Farmers & Merchants Bank policy, and may provide less security than the Farmers & Merchants Bank site.

Change of Terms

Farmers & Merchants Bank may make changes to this site at any time, including terminating the site in whole or in part or removing content or features without notice. Any change will become effective when Farmers & Merchants Bank posts the change or removes the feature. Your visit to the site following the posting of such change or removal of the feature constitutes your agreement to the change.

Copyright and Trademarks

All logos, trademarks, servicemarks, pictures, text, data together with any and all other materials contained on this website are the property of Farmers & Merchants Bank. All materials contained on this website are intended for the private or internal use of those visiting this website. By using this website, you will not acquire any ownership rights in any and all materials contained on this website. No one may copy, download, link to, sell, republish, transfer or redistribute any and all portions of this website for any commercial or public use, without obtaining the express written consent of Farmers & Merchants Bank prior to any such commercial or public use. In the event that this website contains the logos, trademarks or servicemarks of a third party, no one may use such logos or marks with the third party consenting to such use.


You agree to defend, indemnify and hold harmless Farmers & Merchants Bank, its related entities, and their respective officers, employees and agents from and against any and all claims, actions, suits, proceedings losses, liabilities, damages, costs and expenses, including attorneys’ fees, arising out of or related to your use of this website and any and all materials contained in this website.

Legal Use of Website

You agree that you will not use this website for any unlawful purpose. Any unauthorized or unlawful use of this website is strictly prohibited.

Additional Terms

Your use of this web site is also subject to the disclosures and terms that appear elsewhere on the Farmers & Merchants Bank site. The failure or delay to enforce any and all terms that appear in this website, including but not limited to the terms on this terms link, shall not be deemed a waiver of any term or the right to enforce any term.

Governing Law

Farmers & Merchants Bank controls and governs this site from its headquarters in Indiana. The laws of the United States and Indiana (without giving effect to its conflict of laws provisions) will govern the interpretation and resolution of any disputes involving this site. If any portion of this site is deemed unenforceable or illegal, that portion shall be deemed deleted and the rest of the site shall be deemed to survive.