Terms & Conditions

Please read these Terms & Conditions carefully before accessing or using the services provided by Cali Union Bank, N.A.

1. Agreement to Terms

By accessing the Cali Union Bank website or the Secure Union Portal, you agree to be bound by these Terms of Service, all applicable laws and regulations in the State of New York, and agree that you are responsible for compliance with any applicable local laws.

2. Use License & Access

Permission is granted to temporarily access the materials on Cali Union Bank's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license, you may not:

• Modify or copy the materials for competitive analysis.
• Attempt to decompile or reverse engineer any software contained in the Union Portal.
• Remove any copyright or other proprietary notations from the materials.

3. Electronic Banking Services

Cali Union Bank provides digital banking access ("Union Portal") as a convenience. You are responsible for maintaining the confidentiality of your login credentials and Multi-Factor Authentication (MFA) devices. The Bank shall not be liable for any loss resulting from unauthorized access caused by your failure to secure your devices.

4. Disclaimer & Liability

The materials on Cali Union Bank's website are provided on an 'as is' basis. Cali Union Bank makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability.

5. Governing Law

Any claim relating to Cali Union Bank's website or services shall be governed by the laws of the **State of New York** without regard to its conflict of law provisions. Any legal action or proceeding shall be brought exclusively in the federal or state courts located in the County of New York.