General Terms of Use

Website & Banking Service Terms of Use

Welcome to the Federal Morgan Industrial Bank online portal. By accessing or using this website, mobile services, or associated digital banking applications, you agree to be bound by these General Terms of Use and applicable state and federal financial regulations.

1. Ownership & Copyright

All intellectual property, trade names, graphics, logos, software algorithms, and interfaces displayed on this site are the exclusive property of Federal Morgan Industrial Bank and protected under United States and international copyright and trademark legislation.

2. Permitted Use & Security Obligations

You agree to maintain the confidentiality of your online credentials, passwords, and authentication tokens. Any unauthorized automated scraping, vulnerability scanning, reverse-engineering, or interference with the normal operation of our banking systems is strictly prohibited and subject to legal prosecution.

3. Disclaimers & Limitation of Liability

While Federal Morgan exercises diligence in maintaining real-time accuracy and 99.9% platform availability, digital services are provided on an "as is" and "as available" basis. Federal Morgan is not liable for intermittent telecommunication delays, force majeure disruptions, or third-party service interruptions.

4. Governing Law & Jurisdiction

These terms shall be governed by and construed in accordance with federal banking laws and the laws of the State of Delaware, without regard to conflicts of law provisions.