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Terms of Use

The rules that govern your use of the Alpine Bank website, mobile app, and online services.

Effective Date: September 1, 2026 · Last Updated: September 1, 2026

Acceptance of terms

These Terms of Use ("Terms") govern your access to and use of the Alpine Bank website at alpinebank.example, our mobile banking application, and any other online services we provide (collectively, the "Services").

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must not access or use the Services. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

Eligibility

To use the Services, you must be at least 18 years old, or the age of majority in your jurisdiction, and capable of entering into a binding contract. If you are under 18, you may use the Services only with the involvement of a parent or legal guardian, and only for accounts opened with their consent.

You must be a resident of a state in which Alpine Bank is authorized to conduct business to open an account or use online banking. Access to public portions of the website is available to anyone.

License to use

Subject to your compliance with these Terms, Alpine Bank grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use. This license does not include the right to:

  • Reproduce, distribute, publicly display, or publicly perform any part of the Services.
  • Modify, translate, or create derivative works based on the Services.
  • Use data mining, robots, scrapers, or similar data gathering and extraction tools.
  • Frame or mirror any part of the Services without our prior written consent.
  • Reverse engineer, decompile, or disassemble any software used to provide the Services, except as permitted by law.

Accounts and security

Certain features of the Services require you to register for an online banking account. You agree to:

  • Provide accurate, current, and complete information during registration.
  • Maintain and promptly update your information to keep it accurate.
  • Keep your login credentials confidential and not share them with anyone.
  • Notify us immediately if you suspect unauthorized access to your account.
  • Accept responsibility for all activity that occurs under your account.

We may suspend or terminate your access to the Services if we believe your account has been compromised, if you have violated these Terms, or if we are required to do so by law.

Prohibited conduct

You agree not to use the Services to:

  • Violate any applicable law, regulation, or third-party right.
  • Engage in any fraudulent, deceptive, or misleading activity.
  • Transmit any virus, worm, malware, or other harmful code.
  • Interfere with or disrupt the Services, servers, or networks connected to the Services.
  • Attempt to gain unauthorized access to any portion of the Services, other accounts, or computer systems.
  • Harass, threaten, or harm another person.
  • Use the Services to send unsolicited commercial communications.

Intellectual property

All content on the Services — including text, graphics, logos, images, button icons, software, and the compilation of all content — is the property of Alpine Bank or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

The Alpine Bank name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Alpine Bank or its affiliates. You may not use these marks without our prior written permission.

Third-party links

The Services may contain links to third-party websites or services that are not owned or controlled by Alpine Bank. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that Alpine Bank shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of any third-party content, goods, or services.

Disclaimer of warranties

The Services are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. To the fullest extent permitted by law, Alpine Bank disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant that the results obtained from the use of the Services will be accurate or reliable.

Limitation of liability

To the fullest extent permitted by law, Alpine Bank, its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or related to your use of the Services.

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable law, including liability for fraud, willful misconduct, or any other liability that cannot be waived.

Indemnification

You agree to indemnify, defend, and hold harmless Alpine Bank, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or related to your violation of these Terms or your use of the Services.

Governing law

These Terms are governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles. Any dispute arising out of or related to these Terms or the Services shall be brought exclusively in the state or federal courts located in Colorado, and you consent to the personal jurisdiction of those courts.

Changes to terms

We may revise these Terms from time to time. When we make material changes, we will update the effective date at the top of this page and, where appropriate, provide additional notice through email or a prominent notice on our website. Your continued use of the Services after changes take effect constitutes your acceptance of the revised Terms.

Contact

If you have questions about these Terms of Use, contact us at:

These Terms apply to your use of the website and mobile app. If you are an Alpine Bank account holder, your accounts are also governed by the account agreement and disclosures provided at account opening.

Questions about these terms?

Our legal team can help clarify anything you're unsure about.