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CasperOnline Terms of Use and Privacy Statement 

Terms and Conditions

This site (the "Site") is owned and operated by Hilltop National Bank ("HNB") for your personal entertainment, information, education and communication. Please feel free to browse the Site; however, your access and use of the Site is subject to the following terms and conditions ("Terms and Conditions") and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, the Terms and Conditions. If you do not agree with any of the below Terms and Conditions, do not use the Site. HNB reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms and Conditions at any time and you agree to be bound by such modifications, alterations or updates.

Trademarks, Copyrights and Restrictions

All material on this site, including but not limited to images, illustrations, audio clips, and video clips, is protected by copyrights which are owned and controlled by HNB or by other parties that have licensed their material to CasperOnline.com ("Material"). Material from the Site may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. If you would like to request permission to copy, reproduce, link or otherwise use material from the CasperOnline.com site, please contact You should not attempt to "pass off" any of the Material as your own work. Modification of the Materials or use of the Materials for any other purpose is a violation of the copyrights and other proprietary rights. For purposes of these Terms and Conditions, the use of any such material on any other web site or networked computer environment is prohibited.

The trademarks, logos and service marks ("Marks") displayed on the Site are the property of HNB and other parties. Users are prohibited from using any Marks without the written permission of HNB or such third party which may own the Marks.

Linked Sites

CasperOnline.com may provide links and pointers to Internet sites maintained by others ("Third Party Sites").  HNB periodically reviews the content of the Third Party Sites linked to our site for propriety.   Hilltop National Bank does not have control over the information privacy and security practices of the Third Party Sites for which we may provide links and is not responsible for the contents of or any products or services offered in such Third Party Sites.

Limitation of Liability/Disclaimer

Your use and browsing of the Site is at your risk. If you are dissatisfied with any of the materials contained in the Site, or with any of these Terms and Conditions, your sole and exclusive remedy is to discontinue accessing and using the Site.

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, NEITHER HILLTOP NATIONAL BANK NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SITE IS LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THE SITE. WITHOUT LIMITING THE FOREGOING, EVERYTHING ON THE SITE IS PROVIDED TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Jurisdictional Issues

The Site is controlled and operated by Hilltop National Bank from its offices within the State of Wyoming, United States of America. HNB makes no representation that Materials in the Site are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

This agreement shall be governed by, construed and enforced in accordance with the laws of the State of Wyoming, as it is applied to agreements entered into and to be performed entirely within such State. Any action you, any third party or HNB bring to enforce these Terms and Conditions or, in connection with, any matters related to this site shall be brought only in either the state or Federal Courts located in Natrona County, Wyoming, and you expressly consent to the jurisdiction of said courts. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the matters contained herein.

This Agreement will terminate immediately without notice from HNB if in HNB's sole discretion you fail to comply with any term or provision of this Agreement. Upon termination, you must destroy all materials obtained from this Site and all copies thereof, whether made under the terms of this Agreement or otherwise.

Other

If any provision of this agreement shall be unlawful, void, or for any reason unenforceable then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

HNB may at any time revise these Terms and Conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms and Conditions to which you are bound.

 

Your Privacy Using CasperOnline.com

This privacy statement discloses the privacy practices for www.CasperOnline.com.

Information Collection and Use

 Hilltop National Bank (HNB) is the sole owner of the information collected on this site, if any.  We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement.  HNB may collect information from our users at several different points on the website.

Cookies

A cookie is a piece of data stored on the user’s hard drive containing information about the user.  Usage of a cookie is in no way linked to any personally identifiable information while on our site.  For example, CasperOnline sets a cookie if you voluntarily indicate your ZIP code; the cookie tells us not to ask for your ZIP code again until at least next month.  Over time, we will be able to see where groups of visitors come from using this information, but the cookie will not provide us with any further information about an individual visitor.  If a user rejects the cookie, they may still use our site.  Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.

Log Files

We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use.  IP addresses are not linked to personally identifiable information.

Sharing

We may share aggregated demographic information with our partners and advertisers, if any. This is not linked to any personal information that can identify any individual person.

Links

This web site contains many links to other sites. Please be aware that we [HNB] are not responsible for the privacy practices of such other sites.  We encourage our users to be aware when they leave our site (when ‘www.casperonline.com/…’ is no longer in the address bar of your browser) and to read the privacy statements of each and every web site that collects personally identifiable information.  This privacy statement applies solely to information collected by this Web site (www.CasperOnline.com).

Surveys & Contests

From time-to-time our site may request information from users via surveys or contests.  Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information.  Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level).  Contact information will be used to notify the winners and award prizes.  Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

Tell-A-Friend

If a user elects to use our referral service for informing a friend about our site, we ask them for the friend’s name and email address.  CasperOnline will automatically send the friend a one-time email inviting them to visit the site.  HNB stores this information for the sole purpose of sending this one-time email.  The friend may contact HNB at www.CasperOnline.com to request the removal of this information from their database.

Security

This website takes every precaution to protect our users’ information.  If users submit personal information via the website, your information is protected both online and off-line.

All of our users’ information is restricted in our offices.  Only employees who need the information to perform a specific job (for example, a customer service representative responding to a question) are granted access to personally identifiable information.  All employees are kept up-to-date on our security and privacy practices.  The servers that we store personally identifiable information on are kept in a secure environment, behind a locked cage.

If you have any questions about the security at our website, you can send an email to our

Correction/Updating Personal Information:

If a user’s personally identifiable information changes, or if a user no longer desires our service, we will endeavor to provide a way to correct, update or remove that user’s personal data provided to us, if any.  This can usually be done by emailing us at    

Notification of Changes

If we decide to change our privacy policy, we will post those changes on our site so our users are always aware of what information we collect, how we use it, and under circumstances, if any, we disclose it.  If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users.  Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.


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Copyright © 2000 Hilltop National Bank. All rights reserved.
Revised: October 24, 2003 .