Terms of Use

HomeTerms of Use

METROPOLITAN COMMERCIAL BANK’s® Web Site is a service to our customers and visitors. Metropolitan Commercial Bank® of New York and its subsidiaries (“METROPOLITAN COMMERCIAL BANK® “) provide the materials contained at our site on the World Wide Web (the “Site”) as a service to our customers and visitors. METROPOLITAN COMMERCIAL BANK® requires that all visitors to the Site adhere to the following Terms and Conditions. By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification. METROPOLITAN COMMERCIAL BANK® may revise these Terms and Conditions at any time by updating this posting, which revisions will be binding upon all visitors to the Site. You should therefore visit this posting to review these Terms and Conditions from time to time as you visit the Site. For purposes of these Terms and Conditions references to METROPOLITAN COMMERCIAL BANK® include its affiliates, directors and employees.

Regulations and Laws

User access to and use of the Site are subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. New York law and Federal law will govern the interpretation and enforcement of these Terms and Conditions.

Trademark and Copyright Information

METROPOLITAN COMMERCIAL BANK® and its logo are trademarks of METROPOLITAN COMMERCIAL BANK®. All other trademarks are property of METROPOLITAN COMMERCIAL BANK® unless otherwise designated or clearly implied herein as belonging to third parties. Nothing contained at the Site shall be construed as granting by implication, or otherwise any license or right under any patent, trademark, copyright (except as expressly stated above) or proprietary rights of METROPOLITAN COMMERCIAL BANK® or of any third party.

You are authorized by METROPOLITAN COMMERCIAL BANK® to copy, transmit or display any information registered or owned by METROPOLITAN COMMERCIAL BANK® on any page of the Site solely for your personal, non-commercial use, provided that any such copy, transmission or display includes any copyright, trademark or service mark attribution as it appears on such page. The information and materials contained at the Site may not otherwise be copied, transmitted, displayed, distributed, downloaded, licensed, modified, published, posted, reproduced, used, sold, transmitted, used to create a derivative work or otherwise used for commercial or public purposes without METROPOLITAN COMMERCIAL BANK’s® prior written consent.

The Site, including this page, may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information at the Site are the copyright or trademark of third parties and any use is subject to the terms and conditions of such third parties

Limitation of Liabilities and Warranties

INFORMATION ON THE SITE IS PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

The information contained at the Site may include technical inaccuracies or typographical errors. METROPOLITAN COMMERCIAL BANK® from time to time amends, changes, adds, deletes, updates or alters the information contained at this Site, including information regarding the products and services described at the Site, without notice. METROPOLITAN COMMERCIAL BANK® assumes no liability for any errors or omissions in the information contained at the Site and expressly disclaims any responsibility to update the information contained at the Site.

IN NO EVENT SHALL METROPOLITAN COMMERCIAL BANK® BE LIABLE FOR ANY PUNITIVE, SPECIAL, DIRECT, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT AND TORT ACTIONS (INCLUDING LIBEL), ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING OR DISPLAY OF, OR THE INTERACTION OR ANY OTHER FORM OF COMMUNICATION WITH, THE SITE AND THE INFORMATION CONTAINED AT THE SITE (INCLUDING VIA COMPUTER VIRUSES OR ANY OTHER FORM OF SOFTWARE).

Links to Other Internet Web Sites

Some of the Web sites listed as links herein are not under the control of METROPOLITAN COMMERCIAL BANK®, but rather are exclusively controlled by third parties. Accordingly, METROPOLITAN COMMERCIAL BANK® makes no representations whatsoever concerning such Web sites. Although METROPOLITAN COMMERCIAL BANK® may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by METROPOLITAN COMMERCIAL BANK® with respect to such Web site, its owners or its providers.

METROPOLITAN COMMERCIAL BANK® is providing these links only as a convenience to you. METROPOLITAN COMMERCIAL BANK® has not tested any information, products or software found on such Web sites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure that whatever you select is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

IN NO EVENT WILL METROPOLITAN COMMERCIAL BANK® BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF ANY HYPERLINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Digital Banking Agreement

Click here to read the agreement

Marketing

Regardless of whether you have chosen to opt out of certain marketing offers from METROPOLITAN COMMERCIAL BANK®, by using METROPOLITAN COMMERCIAL BANK® Online you agree that we may market our services by the use of banner ads, “hyper-links,” and other similar marketing devices. Products offered will be at the sole discretion of METROPOLITAN COMMERCIAL BANK®, and may be provided by companies not affiliated with METROPOLITAN COMMERCIAL BANK®. Non-affiliated companies will be solely responsible and liable for the provision of or failure to provide stated services, benefits, or products. METROPOLITAN COMMERCIAL BANK® does not legally endorse or guarantee products or services provided by non-affiliated companies and such products or services are neither FDIC insured or bank guaranteed.

Text Messaging (SMS) Terms and Conditions: Metropolitan Commercial Bank

To Opt-in via our site, www.mcbankny.com, Metropolitan Commercial Bank to receive a One-Time Password and/or account alerts. Message frequency varies.

For help, text “HELP” to 71498 or call if you have any questions, 800-852-7632.

To cancel, text “STOP” to 71498 at any time. In case of questions please contact customer service

Message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

If you have any questions regarding privacy, please read our privacy policy at https://mcbankny.com/privacy-policy/

Terms and Conditions:

1. Your wireless carrier’s standard messaging rates apply to SMS correspondence. Metropolitan Commercial Bank does not charge for any content; however, downloadable content may incur additional charges from your wireless carrier. Please contact your wireless carrier for information about your messaging plan.

2. Your carrier may impose message or charge limitations on your account that are outside of our control. All charges are billed by and payable to your Wireless Carrier.

3. You represent that you are the owner, or authorized user of the wireless device you use to receive the service, and that you are authorized to approve the applicable charges.

4. We will not be liable for any delays or failures in your receipt of any SMS messages as delivery is subject to effective transmission from your network operator and processing by your mobile device. SMS message services are provided on an AS IS, AS AVAILABLE basis.

5. Data obtained from you in connection with this SMS service may include your mobile phone number, your carrier’s name, and the date, time, and content of your messages and other information that you may provide. We may use this information to contact you and to provide the services you request from us, and to otherwise operate, develop, and improve the service. Your wireless carrier and other service providers may also collect data from your SMS usage, and their practices are governed by their own policies. We will only use the information you provide to the service to transmit your text message or as otherwise described in this document. Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation, or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide us information in connection with the service, you agree to provide accurate, complete, and true information.

6. The service as well as the content and materials received through the service are proprietary to us and our licensors, and are for your personal, non-commercial use only. You shall not damage, impair, interfere with, or disrupt the service or its functionality.

7. Please note, some of the content may contain links to our partners/licensors. When clicking on these links, you will be taken to another website where the privacy and security policies may differ from our site. Metropolitan Commercial Bank provides third party links for your convenience. Metropolitan Commercial Bank is not responsible for the products, services, content, privacy policy and security policy on third party websites.

8. We reserve the right to alter charges and/or these terms and conditions from time to time. We may suspend or terminate the service to you if we believe you are in breach of our terms and conditions.

9. Your service is also subject to termination in the event your wireless service terminates or lapses. We may discontinue the service at any time.

10. If you have any questions, email contactcenter@mcbankny.com or call 800.852.7632. You can also text the word HELP to get additional information about the service. We do not charge for help or info messages; however, your normal carrier rates apply.

Feedback

Any comments or materials sent to METROPOLITAN COMMERCIAL BANK®, including feedback data, such as questions, comments, suggestions or the like regarding the content of any such documents (collectively “Feedback”), shall be deemed to be the property of METROPOLITAN COMMERCIAL BANK® . METROPOLITAN COMMERCIAL BANK’s® use of the Feedback will be in compliance with the METROPOLITAN COMMERCIAL BANK® Privacy Notice, which is set forth on the Site, and applicable laws. METROPOLITAN COMMERCIAL BANK® shall have no additional obligations with respect to such Feedback and shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Feedback to others without limitation. Further, METROPOLITAN COMMERCIAL BANK® shall be free to use any ideas, concepts, know-how or techniques contained in such Feedback for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such Feedback. Application information submitted to METROPOLITAN COMMERCIAL BANK® shall be treated confidentially to the extent required by applicable law or as disclosed in the application.

Notice to Investors

METROPOLITAN COMMERCIAL BANK® DOES NOT WARRANT OR GUARANTEE THE ACCURACY OR THE COMPLETENESS OF INFORMATION PROVIDED HEREIN WITH RESPECT TO THE INVESTMENT-RELATED INFORMATION THAT MAY BE AVAILABLE BY HYPERLINK OR OTHERWISE. UNDER NO CIRCUMSTANCES WILL METROPOLITAN COMMERCIAL BANK® BE LIABLE FOR ANY LOSS OR DIRECT, INDIRECT, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY RELIANCE ON THIS INFORMATION OR FOR THE RISKS OF THE STOCK MARKET.

Violations of Terms and Conditions

METROPOLITAN COMMERCIAL BANK® reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular Internet address to the Site.

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS METROPOLITAN COMMERCIAL BANK® FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY’S FEES, RELATED TO YOUR VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR USE OF THE SERVICES AND INFORMATION PROVIDED AT THE SITE.