Effective Date: [10/1/2025]

Website: https://yesfnb.com

1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please do not use the site.

2. User Accounts

To access certain features, you may be required to register for an account. You agree to provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

We reserve the right to suspend or terminate accounts that violate these terms or engage in unauthorized activity.

3. Permitted Use

You may use this website for lawful purposes only. You agree not to:

• Post or transmit any content that is unlawful, harmful, defamatory, or infringing

• Attempt to gain unauthorized access to the site or its systems

• Use the site to distribute spam, malware, or other harmful code

4. Intellectual Property

All content on this site—including text, images, logos, and design—is the property of YesFNB or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or modify any content without prior written permission.

5. User-Generated Content

If you submit comments, reviews, or other content, you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, and display that content. You are solely responsible for the content you submit.

We reserve the right to remove or moderate user content that violates these terms or applicable laws.

6. Third-Party Links and Embedded Content

This site may contain links or embedded content from third-party websites. We are not responsible for the content, privacy practices, or accuracy of those sites. Use them at your own risk.

7. Disclaimer of Warranties

This website is provided “as is” without warranties of any kind. We do not guarantee that the site will be error-free, secure, or uninterrupted. Use of the site is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by law, YesFNB shall not be liable for any damages arising from your use of the site, including but not limited to indirect, incidental, or consequential damages.

9. Changes to Terms

We may update these Terms of Use at any time. Continued use of the site after changes are posted constitutes your acceptance of the revised terms.

10. Governing Law

These terms are governed by the laws of the State of Ohio, United States. Any disputes shall be resolved in the courts of competent jurisdiction in that region.