Terms of Use

This website (“Site”) is owned and controlled by Heartland Financial Group and provides information regarding the products and services offered by Heartland Financial Group and its banking and non-banking affiliates. Your use of the Site or any part of it constitutes your agreement to all of the following terms, conditions, and notices ("Terms of Use"). If you do not agree with these Terms of Use, your sole remedy is to discontinue using the Site. The Site is not intended for use by individuals under the age of 13.

Use of Website

Information within the Site, including any policies or procedures, is intended as general guidance only. Except as expressly provided in the Site, the information does not constitute a contract with you or amend or alter any contract Heartland Financial Group has with you (or any of Heartland Financial Group’s affiliates have with you). Your use of the Site is subject to the Heartland Financial Group Online Privacy and Security Policy, which you can access by a link at the bottom of this Site’s webpages. If you are enrolled for Heartland Financial Group’s digital banking services, your use of those services is subject to Heartland Financial Group’s Digital Banking Agreement. Certain sections or webpages of this Site or affiliates’ portals may contain separate terms and conditions, which are in addition to these Terms of Use. In the event of a conflict, the additional terms and conditions will govern for those sections or webpages.

Products or services mentioned in the Site are available only in the United States and may not be available in all geographic areas. Your eligibility for particular products or services is subject to approval or acceptance by Heartland Financial Group. You are responsible for internet connectivity and any computer hardware, software, or other equipment necessary to access the Site.

Unauthorized use of the Site, including but not limited to unauthorized entry into Heartland Financial Group’s systems through the Site, misuse of passwords, or misuse of any information posted to the Site, is strictly prohibited. You agree that you will not engage in any activities related to the Site that are contrary to applicable law, regulation, or terms of any agreements you have with Heartland Financial Group (or Heartland Financial Group’s affiliates).

Prohibited Uses

You acknowledge and agree that you are prohibited from using the Site in any way that (1) is unlawful, threatening, violent, abusive, hateful, defamatory, slanderous, libelous, deceptive, fraudulent, tortious, indecent, vulgar, profane, obscene, or in a manner that Heartland Financial Group deems in its sole discretion to be inappropriate; (2) accesses, collects, or stores personal information about others; (3) violates or infringes the rights of anyone else, including, for example, another person’s right to privacy or intellectual property rights of Heartland Financial Group, its affiliates, its licensors, or a third party; (4) impersonates any person, business, entity, or IP address (e.g., IP spoofing); (5) involves uploading, posting, emailing, transmitting, or otherwise making available any materials that you do not have a right to make available; (6) constitutes data mining, data gathering, data extraction, advertising, marketing or promotional activities, or involves spam, phishing, or other unsolicited messages; (7) misuses, reproduces, duplicates, copies, sells, resells, makes any derivative use of, or otherwise exploits any information, material, software, products, or the Site for any commercial purpose without prior, express written consent of Heartland Financial Group; (8) alters, damages, or deletes any materials or content provided by Heartland Financial Group; (9) frames or utilizes framing techniques to enclose any trademark or other proprietary information (including images, text, page layout or form) of Heartland Financial Group or its licensors without prior, express written consent of Heartland Financial Group; (10) uploads, transmits, or shares with the Site any computer viruses or other disruptive, damaging, or harmful files or programs; or (11) otherwise violates these Terms of Use or any other guidelines or policies provided by Heartland Financial Group.

Third Party Links

The Site may contain links to websites owned or controlled by third parties not affiliated with Heartland Financial Group. Heartland Financial Group disclaims responsibility for any third-party’s website content, products, privacy policies, or security, notwithstanding that the third-party’s website may be linked to the Site. Any advice, opinions, or recommendations in third-party websites are those of the providers and not Heartland Financial Group. In the event you choose to use the services available at or through a third-party’s website, you agree to read and adhere to the policies and terms of use applicable to that site. Your participation in any third-party website, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you and the third-party provider.

Tools and Calculators

The Site may contain links to financial tools and calculators provided by third parties not affiliated with Heartland Financial Group ("Tools and Calculators"). The Tools and Calculators are for informational purposes only, and you should not rely on them in making important financial decisions. Heartland Financial Group cannot guarantee the accuracy of the Tools and Calculators, and makes no representations or warranties concerning them. Heartland Financial Group further disclaims any and all liability for damages of any kind arising from your use of the Tools and Calculators. The Tools and Calculators do not necessarily reflect the terms of any products offered by Heartland Financial Group, and they are not a commitment to make a loan on any particular terms (or at all). Your use of the Tools and Calculators is governed by the provider's terms and conditions of use. You can view those terms and conditions when you access the Tools and Calculators.

Trademarks and Copyrights

Heartland Financial Group, and all Heartland Financial Group logos are trademarks owned by Heartland Financial Group, in the territories for which such marks are registered and/or used. Other featured words used on the Site to identify the source of goods and services are trademarks owned by Heartland Financial Group Financial Corporation, its licensors, or other third parties. You may not use, copy, display, distribute, modify, or reproduce any of the trademarks on the Site except pursuant to a written trademark license agreement with the owner of such mark.

Heartland Financial Group maintains the Site as a service to the Internet community. Unless otherwise identified, all content within the Site (including the design, text, images, graphics, software, and other content) is protected by the U.S. copyright laws and international treaties. You may use, download, or copy the content only for your personal, non-commercial use, provided that the copyright notice shown below appears on all copies along with this permission notice, and provided no modifications to the content are made. Use for any other purpose or any modification of the content is prohibited. You do not acquire any ownership rights by downloading or copying the copyrighted material.

If you believe in good faith that materials available on the Site infringe your copyright, you or your representative may send Heartland Financial Group a notice requesting us to remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the Digital Millennium Copyright Act permits you to send Heartland Financial Group a counter-notice. Learn more at the U.S. Copyright Office site.


All information submitted to Heartland Financial Group via this Site shall be deemed and remain the property of Heartland Financial Group, and Heartland Financial Group shall be free to use, for any purpose, any idea, concepts, know-how, or techniques contained in information you provide Heartland Financial Group through this Site. Heartland Financial Group shall not be subject to any obligations of confidentiality regarding submitted information except as specifically agreed in writing or required by law.

Disclaimer of Warranties and Limits of Liability

For purposes of this section, the "Heartland Financial Group-Related Parties" means: (1) Heartland Financial Group; (2) Heartland Financial Group's employees, officers, and directors; (3) Heartland Financial Group's affiliates (that is, parties that own Heartland Financial Group, are owned by Heartland Financial Group, or are under common ownership with Heartland Financial Group); (4) Heartland Financial Group's agents, licensors, independent contractors, and subcontractors; and (5) third party service providers that the Heartland Financial Group-Related Parties use.

The Site and services therein are provided to you AS-IS. The Heartland Financial Group-Related Parties therefore make no warranties of any kind for the Site or services. This includes both express warranties and implied warranties. Implied warranties include implied warranties of merchantability and fitness for a particular purpose. A warranty is a guarantee that the Site or services will meet certain standards. No license to you is implied by these disclaimers.

The Heartland Financial Group-Related Parties do not warrant that the Site or services will be uninterrupted or error free, or that defects will be corrected. They also do not warrant that the Site is free of viruses or other harmful components. They also do not warrant the timeliness, accuracy, reliability or completeness of the Site or services. Any dated information is published as of that date only, and Heartland Financial Group Related Parties do not undertake any obligation or responsibility to update or amend any such information.

Without limitation, the Heartland Financial Group-Related Parties will not be liable to you for any loss, claim, injury, or damage in connection with: (1) these Terms of Use; (2) your use of the Site or inability to use the Site; (3) any problems with the communications between you and us; (4) any unauthorized interception of the communications between you and us; (5) any computer virus; or (6) the actions or inactions of any third parties. This limitation on the Heartland Financial Group-Related Parties' liability applies, even if any of them are aware of the possibility that any events described in (1) through (6) could occur. In no event will any of the Heartland Financial Group-Related parties be liable to you for any: (1) incidental damages; (2) consequential damages; (3) special damages; (4) indirect damages; or (5) punitive damages. This limitation of liability applies, whether you base an action against the Heartland Financial Group-Related Parties on: (a) a contract; (b) a warranty; (c) a tort (such as claim of negligence, recklessness, or intentional act); or (d) any other theory. This limitation of liability applies even if any of the Heartland Financial Group-Related Parties know about the possibility of such damages. Therefore, by way of example, the Heartland Financial GroupRelated Parties will not be liable to you for lost data, lost profits or goodwill, investment losses, finance charges, lost opportunities, cost of obtaining substitute services, or other economic damages.

The laws of some states or countries may prohibit the limitation of liability for consequential damages, or incidental damages, or other kinds of damages. In those states or countries, to the extent their laws apply, the limitation of liability with respect to consequential damages, or incidental damages (or other damages specified by law in such states), may not apply.


If any provision of these Terms of Use is determined to be unenforceable, or invalid, such determination shall not affect the validity or enforceability of the remaining provisions.

Right to Modify

Heartland Financial Group reserves the right to modify these Terms of Use at any time without notice. However, the most current version of these Terms of Use will always be posted on the Site and available by clicking the link at the bottom of the webpage. By continuing to use the Site after these Terms of Use have been modified and posted on the Site, you agree to be bound by the Terms of Use as modified.

Governing Law

Except as otherwise expressly provided in the Site, your access to and use of the Site are governed by and will be construed in accordance with applicable federal laws and the laws of the State of Colorado, without regard to the principles of conflicts of laws.