Terms of Service

Last Revised 2/14/2017

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY USING THIS WEB SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS IN THIS NOTICE.

These Terms of Service (the "Agreement") are made by and between Synovus Securities, Inc. a Georgia corporation (“Synovus”, “our”, “we”, and/or “us”), and the consumer client ("Client", “your”, and/or “you”) of Synovus working with one of Synovus’ financial consultants or financial institution (the " Consultant"). This Agreement sets forth the general terms and conditions of Client's access to and use of this website (the "Service").

Client acknowledges that, as the Service changes, Client may be required to agree to additional terms and conditions as a condition of continued use of the Service. Client further acknowledges that Synovus may change the terms and conditions applicable to use of the Service at any time, without notice or liability. Any changes will be posted on this website, and Client’s access or use of the Service following such changes shall be deemed Client’s acceptance of these changes or updates.

Privilege to Access and Use the Service

During the term of and subject to the terms and conditions of this Agreement, Client may access and use those aspects of the Service intended for access and use by Clients (the "Client Site"). Client shall not (1) access or use any aspect of the Service other than the Client 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. Client agrees to comply with all applicable laws, rules and regulations when using the Service.

Client understands, acknowledges and agrees that:
Account Aggregation Service

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

To use Connections, Client understands and agrees that:
The Vault

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

Client understands and agrees that:
Alliance Partners

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

Client understands and agrees that:
Other Terms and Conditions

This Agreement is effective until terminated by either Client, Consultant, or Synovus. Upon termination, Client will have no further access to the Service and all documents retained in the document storage service will be deleted.

Synovus may modify or discontinue offering the Service at any time, with or without notice, for any reason or no reason.

The Service may provide links to websites and include embedded videos that are not operated or hosted by Synovus. Synovus provides these links and/or videos for Client's convenience and they may be removed at any time. Neither Synovus nor Consultant investigates the quality, accuracy or completeness of any content on third party websites. Client acknowledges and agrees that neither Synovus nor Consultant are responsible or liable for any content, advertising, products or other materials on or available from third party websites or embedded videos, and neither Synovus nor Consultant makes any warranties or representations as to third party websites including, without limitation, warranties or representations as to the contents, privacy policies, or applicability of the third party websites. Client is responsible for familiarizing herself/himself with the content of such third party websites and/or embedded videos, including the applicable privacy policies related thereto. For more information on Synovus’ privacy notices, please see the Synovus Privacy Statement.

Except to the extent arising out of Synovus’ gross negligence or willful misconduct, Client agrees to indemnify and hold Synovus, and Synovus’ directors, officers, employees and agents, harmless from all losses, liability, claims, demands, judgments and expenses arising out of or related to Client’s use of the Service or any portion thereof. This indemnification is provided without regard to whether Synovus’ claim for indemnification is due to the use of the Service by Client or Client’s Alliance Partners or any other person or party authorized by Client.

THE SERVICE IS FURNISHED "AS IS", “WITH ALL FAULTS,” AND WITHOUT ANY EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES OF ANY KIND INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND 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.

Neither Synovus nor Consultant makes any representation or warranty as to the accuracy, adequacy, completeness, correctness, usefulness, timeliness, or reliability of information contained in or on the Service. Neither Synovus nor Consultant endorses, approves or certifies the information available on or through the Service that is provided or posted by others. Use of the Service is voluntary and reliance on it should only be undertaken after Client has independently verified its accuracy, completeness and timeliness.

Synovus’ and Consultant’s liability to Client is explained in this Agreement and any other agreements, notices, and disclosures that Synovus separately provides to Client from time to time regarding Client’s accounts and the Service. Under no circumstances will Synovus or Consultant have any liability to Client for failing to provide Client access to her/his accounts or other features of the Service. Furthermore, unless otherwise required by applicable law, Synovus will only be responsible for performing the Service as expressly stated in this Agreement, and will only be liable for material losses incurred by Client to the extent such losses directly result from Synovus’ gross negligence or intentional misconduct in performing the Service. Neither Synovus nor Consultant is providing, and Client will not rely on Synovus or Consultant to provide, any legal, tax, accounting, or other advice or counsel in connection with Client’s account(s) or use of the Service, and Synovus does not represent or warrant that Client’s use of any of the Service will qualify for or receive any favorable or desirable tax treatment, or eliminate or replace the need for Client to monitor the use of Client’s accounts and history of transactions in Client’s accounts for appropriate recordkeeping of deposits and withdrawals and to monitor for errors or fraud. In these regards, Client should seek the advice of competent legal, tax, accounting, and other counsel regarding Client’s use of the Service and related matters.

CONSUMER’S USE OF THE SERVICE IS AT CONSUMER’S OWN RISK. TO THE EXTENT PERMITTED BY LAW, UNDER NO CIRCUMSTANCES SHALL SYNOVUS, ITS SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONSULTANTS, OR REPRESENTATIVES BE LIABLE FOR ANY DAMAGES OR INJURIES, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE ACCESS OF, USE, INABILITY TO USE, OR YOUR RELIANCE ON ANY OF THE CONTENT ON THE SERVICE REGARDLESS OF WHETHER SYNOVUS HAS BEEN ADVISED, KNEW, OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. CONSUMER HEREBY ACKNOWLEDGES THAT THIS PARAGRAPH SHALL APPLY TO ALL CONTENT, MERCHANDISE, AND SERVICES AVAILABLE THROUGH THE SERVICE.

IF THE FOREGOING DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY IS HELD TO BE UNENFORCEABLE, CONSUMER AGREES THAT SYNOVUS' LIABILITY TO CONSUMER, 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 Client's access to and use of the Service shall be governed by the laws of the State of Georgia. The state or federal courts with jurisdiction over Muscogee County, Georgia shall have exclusive jurisdiction over any and all claims, disputes or other controversies relating to or arising from this Agreement or Client's access to or use of the Service. Client hereby expressly consents to the exercise of jurisdiction over Client 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. No delay or omission by Synovus in exercising any rights or remedies hereunder shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy shall not preclude further exercise therefore or the exercise of any other right or remedy. No waiver shall be valid unless in writing signed by Synovus. This Agreement, together with any other terms, conditions and agreements that may be entered into by Client and Synovus in connection with a specific product or service of Synovus, constitute the entire agreement between Client and Synovus and supersedes any and all other agreements, representations and understandings, whether written or oral. This Agreement may not be modified or amended by Client without the prior written consent of Synovus.