Terms and Conditions

Please read the following terms and conditions carefully. They govern your rights to access and use of this web site.

Royal Bank America and its subsidiaries and affiliates (collectively “Royal Bank America”) require all visitors to this Web site (the “site”) to follow the rules contained in this Terms of Use Disclosure, as we may modify them from time to time. By accessing or using any portion of this site, you agree to be legally bound by these terms of use and you accept them in full. If you do not agree to accept these terms, you may not access or use any portion of this site.

We reserve the right to modify these terms of use without notice to you. By using this site after changes have been made, you agree to accept and comply with the changes. We will continually post the most current disclosure on this site. This disclosure was last updated July 1, 2013. Please refer to our Privacy Policy for specific details on how we deal with Privacy issues.

Certain areas of this site are subject to additional terms of use. By using these areas or any part thereof, you agree to be bound by the additional terms of use applicable to such areas.

Products and Services
The information, materials, products and services on this site are subject to change without notice. Not all of the products or services described on this site are available in all geographic areas. You may not be eligible for all of the products or services described. Royal Bank America reserves the right to determine eligibility for any product or service.

Capacity to Contract
You certify that you are at least 18 years old, have the legal capacity to contract, and are legally competent to contract should you open any accounts with us on-line. We do not solicit or open accounts for minors unless a guardian or custodian of legal age is also on the account.

Children’s Information
We respect the privacy of children, and we comply with the practices established under the Children’s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.

Personal Identification & User Conduct
You represent that any personal identification that is required to open any account or otherwise register for any product or service on this site is valid and belongs to you. You agree to use this site and the content of this site only for lawful purposes. You are prohibited from any use that could constitute an illegal offense, liability, or otherwise violate any applicable local, state, national or international regulation. This site is based in Narberth, Pennsylvania. We make no representations that the content may be used or is appropriate for other areas of the United States or internationally.

Registration and Password
Except where otherwise expressly indicated, transmissions to and from this site, including by email, are not sent in a secure form and can be intercepted by third parties. You are responsible for maintaining the confidentiality of your information and password. You are responsible for all uses of any products or services for which you have registered, including your information and password, whether or not authorized by you. You agree to immediately notify Royal Bank America of any unauthorized use of your registration, information or password.

Use of email
You can use electronic mail (email) to contact us. Because email over the Internet is not a secure method of communication, you should not use email to send or request confidential information that has substantial value or potential for causing harm, loss, or damage. If the need for an inquiry is urgent, please contact our Customer Service Center at 1-610-668-4700.

The contents included in this site are solely for your personal use. Except where expressly noted, all content in the text, screens, images, graphics and Web pages of this site are the sole and exclusive property of Royal Bank America, Narberth, Pennsylvania, USA and/or its subsidiaries or affiliates. United States and International copyright laws and treaties protect this information. The information, materials and other content of this Web site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, or otherwise used to create a derivative work, without the express written consent of the owner. You agree not to delete any copyright, trademark or similar notice from any contents you obtain from this site.

Links to Other Web sites
Royal Bank America has established links between this site and one or more Web sites operated by third parties not affiliated with Royal Bank America. We provide these links in hopes of bringing you the value and service you expect from Royal Bank America. You can identify that you are at a third party’s Web site instead of Royal Bank America’s when you have used a hyperlink which takes you to a new location, the Web site address of the linked site appears in the URL or “address” box at the top of your browser, or when a new browser window is opened in which the new third party Web site appears.

Royal Bank America has no control over any such other Web sites or the contents therein. The existence of any such links shall not constitute an endorsement, approval, guarantee or recommendation by Royal Bank America of such Web sites, the contents of such Web sites or the operators of such Web sites. Royal Bank America will not be responsible for any loss or damage of any sort resulting from the use of a third party link, nor will it be liable for any failure of products or services advertised or provided on these third party Web sites.

No Warranties
Although Royal Bank America attempts to provide accurate information, names, images, pictures, graphics, logos, icons, documents and materials (collectively, the “Contents”) on this site, we make no representation, endorsement or warranty that such Contents are accurate or suitable for any particular purpose. This site and its contents are provided on as ‘as is’ basis. Use of this site and its contents is at the user’s sole risk. This site and its contents are provided without any representations, endorsements or warranties of any kind whatsoever, either express or implied, including, without limitation, any warranties of title or accuracy and any implied warranties of merchantability, fitness for a particular purpose, non-infringement or freedom from computer virus, with the sole exception of warranties (if any) which cannot be expressly excluded under applicable law. As noted above, Royal Bank America makes no representations, endorsements or warranties, either express or implied, with respect to any web site operated by a third party.

Limitation of Liability
In no event will Royal Bank America or its subsidiaries, affiliates, contractors or their respective employees or agents be liable for any damages, including, without limitation, indirect, incidental, special, consequential or punitive damages, whether under a contract, tort or any other theory of liability, arising in connection with any party’s use of this site or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line system failure, loss of data or loss of use related to this site or any web site operated by any third party or any contents of this site or any other web site, even if Royal Bank America is aware of the possibility of such damages.

Royal Bank America’s entire liability, and your exclusive remedy for any dispute or claim related to your use of this site, is your cessation of the use of this site. Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, in such jurisdictions liability is limited to the fullest extent permitted by law. Royal Bank America cannot and will not assume any liability for unauthorized or fraudulent use of this site.

You agree to indemnify, defend and hold Royal Bank America, its subsidiaries, affiliates, contractors, and their respective directors, officers, employees and agents from and against all claims and expenses, including attorney’s fees, arising out of your use of this site.

Submissions to the Site
All remarks, discussions, ideas, graphics or other submissions communicated collectively through this site will be the exclusive property of Royal Bank America. Royal Bank America is entitled to use any portion of the submission without restriction or compensation to the individual who provided it. Nothing contained herein shall be construed as limiting or reducing Royal Bank America’s responsibilities and obligations to our consumers and customers in accordance with our Privacy Policy.

Governing Law
You agree that your use of this site shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to the conflict of laws thereof, and to the laws of the United States.

Disputes arising from the use of this site shall be exclusively subject to the jurisdiction of any federal or state court for the Eastern District of Pennsylvania or the County of Montgomery, Pennsylvania.

To the extent any portion of this terms of use disclosure 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 this terms of use disclosure, as so modified, shall remain in full force and effect.

No waiver by Royal Bank America or any right under or term or provision of this terms of use disclosure will be deemed a waiver or any other right, term or provision at that time or a waiver of that or any other right, term or provision of this terms of use disclosure at any other time.

Contact Information
You may contact Royal Bank America by email, by telephone at 1-610-668-4700 or by mail to Royal Bank America, Attention: Marketing, Customer Center, One Bala Plaza, Suite 522, 231 St. Asaphs Road, Bala Cynwyd, PA 19004.

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