Park Ridge Community Bank endeavors to provide you with the highest quality ONLINE BANKING available. However, due to the unpredictable nature of the Internet, occasional inaccessibility to our Web site should be expected. By using this site, you agree to our terms and conditions, as contained herein and any additions or modifications to this Agreement. Do not use our site if you do not agree to all of the terms and conditions. Whether or not you actually read these terms and conditions, your use of the site will be deemed as acceptance of them. We may modify our terms and conditions for use of this site at any time and without notice.

The first time you access your BANK account(s) through the Internet and ONLINE BANKING, you confirm your agreement to be bound by all of the terms and conditions of this AGREEMENT. Your actions also acknowledges your receipt and understanding of this disclosure, and reconfirms your agreement to the “Your Deposit Account” documentation (if you would like an additional copy of this agreement, contact the BANK) you received when you opened your account.

Disclaimer of Warranty and Limitation of Liability

THE INFORMATION AND CONTENT ON OUR SITE ARE PROVIDED “AS IS.” EXCEPT TO THE EXTENT PROHIBITED BY LAW, NEITHER PARK RIDGE COMMUNITY BANK NOR ANY OF ITS AFFILIATES WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THE MATERIALS PROVIDED ON OUR SITE, EITHER EXPRESSLY OR IMPLIEDLY, FOR ANY PARTICULAR PURPOSE AND EACH EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. IN NO EVENT WILL PARK RIDGE COMMUNITY BANK OR ITS AFFILIATES BE LIABLE TO YOU FOR ANY LOSS ARISING OUT OF THE USE OF, OR INABILITY TO USE, OUR SITE, WHETHER DIRECT, INDIRECT OR CONSEQUENTIAL, FORESEEN OR UNFORESEEN, INCLUDING LOSS OF PROFIT OR OTHER ECONOMIC LOSS, OR ANY OTHER DAMAGES OF ANY KIND EVEN IF PARK RIDGE COMMUNITY BANK OR AN AFFILIATE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES.

Bank Contact

You may contact BANK at: customerservice@timetobank.com, by phone at 847-384-9200, by mail at Park Ridge Community Bank Electronic Banking, 626 Talcott Road, Park Ridge, IL  60068, or by visiting our office.
Your Privacy

The information in this policy relates to information you provide at the timetobank.com domain. We understand that protecting consumer privacy is important to those who visit our web site and use ONLINE BANKING.

Collection of Information

Park Ridge Community Bank gathers information regarding users of our site only through the use of forms and email. We do not, on our regular website, employ the use of cookies. Cookies may be used during Online Banking sessions, to ensure a one-to-one connection. Information is collected only when required to provide a service requested by the user. When a customer accesses ONLINE BANKING account information, they must enter their User ID and Password each visit. This information is not stored in a cookie file. During a secure web banking session, some information is gathered to manage the session effectively for the customer, which may include browser information (type and version) and connection speed, as well as any information needed to execute the customer’s instructions.

Maintenance of Customer Information

Park Ridge Community Bank has processes in place to assure the security, privacy and accuracy of all customer information, in accordance with reasonable commercial standards and regulatory requirements. Customers may request in writing, or through a secure Online Banking session, changes to inaccurate information. Changes will be made in a timely manner, after verification, as required.

Employee Access to Customer Information

Employees of Park Ridge Community Bank have access to customer information for reasonable business purposes only. This policy has been clearly communicated to all employees and is strictly enforced.

Security Procedures

Park Ridge Community Bank maintains appropriate security standards and procedures regarding unauthorized access to customer information.

Disclosure of Account Information

Park Ridge Community Bank does not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless:

1. the information is provided to help complete a customer initiated transaction or,

2. the customer requests it or,

3. the disclosure is required by/or allowed by law (e.g., subpoena, investigation of fraudulent activity, etc.) or,

4. the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and has been given the opportunity to decline.

For more information about Park Ridge Community Bank’s information privacy policy, please contact: Park Ridge Community Bank at (847) 384-9200 or online through the Secure Access Messaging ONLINE BANKING.

The Internet
Park Ridge Community Bank reminds you that the Internet lacks inherent security for commercial transactions and therefore Park Ridge Community Bank cannot and does not guarantee that downloads from this site will not contain a virus or other destructive device. Additionally, you provide, request and receive information from this Site with the knowledge that such information can be intercepted and/or viewed by unknown third parties. Please contact us at 847.384.9200 with any questions you may have regarding the above-identified information and disclaimers.

Online Bill Payment
Online bill payment is provided to you for your convenience. The actual payment of such bills is handled by an independent third party, Check Free Services Corp, and Park Ridge Community Bank cannot and will not guarantee or be held responsible for the completion and accuracy of such transactions.

Use of a Third-Party Bill Pay Service Provider
CheckFree Services Corporation (“CheckFree”) is the third-party bill pay service provider that Park Ridge Community Bank has contracted with to provide bill pay services to its customers. CheckFree will be processing bill payments and answering questions directly related to such customer-initiated bill payments. Accordingly, the term “Customer Service” represents the customer service provided by CheckFree to Park Ridge Community Bank's bill pay subscribers on Park Ridge Community Bank's behalf. Park Ridge Community Bank, at its sole discretion, reserves the right to change internet Bill Pay service providers. Please carefully read CheckFree's Terms and Conditions of the Bill Payment Service below. The CheckFree Terms and Conditions will remain available for viewing and printing within the Web Bill Pay Service.

Use of Links
You use any third-party links contained on this site at your own risk. Park Ridge Community Bank has developed, checked for accuracy or otherwise reviewed the content of third party links on our site. Park Ridge Community Bank makes no guarantees or representations as to, and shall have no liability for, any third-party site, including without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.

Copyright or Other Notices
This site is © copyright by Park Ridge Community Bank All rights reserved. If you download any information from this site for your personal reference, you agree that you will not remove or obscure any copyright or other notices contained in any such information. You may not copy, republish, redistribute, transmit, participate in the transmission of, create derivatives of, alter, edit or exploit in any manner any material from our site, including by storage on retrieval ONLINE BANKINGs, without the express written permission of Park Ridge Community Bank. Deliberate misuse of any element of our site, including, without limitation, hacking, introduction of viruses or similar code, disruption or excessive use or any use in contravention of applicable law, is expressly prohibited and Park Ridge Community Bank reserves the right to terminate your access to our site and, at its discretion, pass information to legal authorities. All other brand and product names are trademarks or registered trademarks of their respective owners. Features and services availability are subject to change without notice.