Terms of Service

Last Revised 1/15/2014


This Terms of Service (this “Agreement”) is made by and between BMO Harris Bank N.A., a nationally chartered bank headquartered in Chicago, Illinois (“BMO Private Bank”), and the customer of this web site (“Customer”). This Agreement sets forth the general terms and conditions of Customer’s access to and use of this web site (the “Service”). By clicking “I Accept” on the Customer Site (as defined below), Customer agrees to all of the terms and conditions of this Agreement.

Customer acknowledges that, as the Service changes, Customer may be required to agree to additional terms and conditions as a condition to continued use of the Service. Customer further acknowledges that BMO Private Bank may change the terms and conditions applicable to use of the Service, but BMO Private Bank will obtain Customer’s agreement to such changed terms and conditions by presenting a revised Terms of Service to Customer for acceptance. If Customer refuses to accept the revised Terms of Service, BMO Private Bank has the right to immediately terminate Customer’s access to and use of the Service.

Privilege to Access and Use the Service

During the term of and subject to the terms and conditions of this Agreement, Customer may access and use those aspects of the Service intended for access and use by Customers (the “Customer Site”). Customer shall not (1) access or use any aspect of the Service other than the Customer Site; (2) access or use the Service for any purposes other than personal use; or (3) access or use the Service in any unlawful manner or in violation of this Agreement.

Consumer understands, acknowledges and agrees that:


Account Aggregation Service (referred to as "Connections")

The Service currently provides an account aggregation function called “Connections” that allows Customer to view, in a single location on the Customer Site, consolidated financial information from such accounts that Customer maintains at various financial institutions as Customer may designate from time to time (“Outside Accounts”).

To use the account aggregate function, Consumer understands and agrees that:


The Vault

The Service currently provides a service known as the Vault which allows Customer to store and retrieve documents on the Customer Site. To add a document to the Vault, Customer must provide a copy of the document to the Advisor if that document is to be added to a folder contained in the Vault other than a private folder to which the Customer may have access. The Advisor is responsible for uploading the document to the Vault and organizing Customer’s documents in the Vault into separate electronic “folders.” Customer understands and agrees that Customer will have “view only” access to materials in the Vault that the Advisor has added and that any addition, deletion, modification or organization of Customer’s documents in the Vault must be processed through the Advisor.

Consumer understands and agrees that:


Alliance Partners

In addition to the user roles of Advisor and Customer, the Service also provides a user role that allows other service providers to Customer, such as Customer’s banker, accountant or attorney (known as "Alliance Partners"), to access and view all of the information stored by the Service in relation to Customer. For example, the Alliance Partner role allows Customer to direct the Advisor to permit Customer’s family lawyer access to Customer’s information in the Service to assist with estate planning and other needs.

Consumer understands and agrees that:


Other Terms and Conditions

Customer may terminate use of the Service at any time by contacting the Advisor. Once Customer has terminated use of the Service, Customer will have no further access to the Services and all documents retained in the document storage service will be deleted.

BMO Private Bank may modify or discontinue offering the Services at any time, with or without notice, for any reason or no reason.

The Service may provide links to web sites and include embedded videos that are not operated or hosted by BMO Private Bank or any of its technology vendors. BMO Private Bank provides these links and/or videos for Customer’s convenience and may be removed at any time. BMO Private Bank does not investigate the quality, accuracy or completeness of any content on third party web sites. Customer acknowledges and agrees that BMO Private Bank is not responsible or liable for any content, advertising, products or other materials on or available from third party web sites or embedded videos. Customer is responsible for familiarizing his or herself with the content of such third party websites and /or embedded videos, including the applicable privacy policies related thereto. For more information on BMO Private Bank’s privacy policies, please see the BMO Harris Bank N.A. Privacy Notice.

THE SERVICE IS FURNISHED "AS IS" AND WITHOUT ANY EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES INCLUDING, WITHOUT LIMITATION, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AVAILABILITY OF ALL OR ANY PART OF THE SERVICE, AND FREEDOM FROM ERRORS, VIRUSES, BUGS OR OTHER HARMFUL COMPONENTS.

BMO PRIVATE BANK SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES EVEN IF ADVISED OF THE POSSIBILITY OF THE SAME.

IF THE FOREGOING DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY IS HELD TO BE UNENFORCEABLE, CUSTOMER AGREES THAT BMO PRIVATE BANK’S LIABILITY TO CUSTOMER, WHETHER IN TORT, CONTRACT OR OTHERWISE, FOR ALL CAUSES SHALL NOT EXCEED IN THE AGGREGATE $500.

If any clause or provision set forth in this Agreement is determined to be illegal, invalid or unenforceable under present or future law, then the clause or provision so determined to be illegal, invalid or unenforceable shall be severable without affecting the enforceability of all remaining clauses or provisions.

This Agreement and Customer’s access to and use of the Service shall be governed by the laws of the United States of America and the State of Illinois applicable to contracts entered into by residents of Illinois and wholly performed in Illinois. The state courts with jurisdiction over Cook County, Illinois, shall have exclusive jurisdiction over any and all claims, disputes or other controversies relating to or arising from this Agreement or Customer’s access to or use of the Services. Customer hereby expressly consents to the exercise of jurisdiction over Customer by such courts. To the fullest extent permitted by applicable law, each party to this Agreement waives its or his right to a jury trial with respect to any action brought under or in connection with this Agreement. The headings used in these terms of use are for convenience only and such headings are not to be used in determining the meaning or interpretation of these terms of use. This Agreement, together with any other terms, conditions and agreements that may be entered into by Customer and BMO Private Bank in connection with a specific product or service constitute the entire agreement between Customer and BMO Private Bank with regard to the Services and supersedes any and all other agreements, representations and understandings regarding the Services, whether written or oral. This Agreement may not be modified or amended by Customer without the prior written consent of BMO Private Bank.