Personal Internet Banking Agreement and Disclosure

DOCUMENT SERVICE AGREEMENT AND DISCLOSURE

By using our Personal Internet Banking Service ("Online Banking") and checking the "I agree to the terms of the Document Service Agreement and Disclosure," you are electing to receive your deposit account statements and loan account statements and certain disclosures and notices electronically ("eStatements"), and you agree that Cambridge Trust Company (CTC) may provide these communications to you in electronic form in lieu of paper form in accordance with these terms.

Please read the following agreement carefully and print and retain a copy of it for your records.


Definitions

As used in this agreement, the words "you" and "your" refer to the individual who is identified on our records as an owner or authorized signer on the account. The words "we", "us", "our" and "CTC" refer to Cambridge Trust Company.


The Scope of Your Consent

Your consent to electronic delivery covers the following categories of communications from us:
  • Periodic and annual statements you are provided in connection with the eStatements for which we offer, and you select electronic delivery, whether now or in the future.
  • Disclosures that are required and may be provided on your periodic statements, including, but not limited to the Error Resolution Notice required by the Federal Electronic Fund Transfer Act and Massachusetts General Laws Chapter 167B and the Billing Rights Statement required by the Federal Truth in Lending Act and Massachusetts General Laws Chapter 140D.
  • Notices and other communications we may send to you, including, but not limited to notices regarding changes to the terms of your account and this Service. Your continued use of the Service, including the eStatement service, following such communication will constitute your acceptance of the revised terms.
  • If your account is joint with another person or persons, one of you may consent to electronic delivery and that person's election to receive eStatement shall apply to both or all of you. eStatements we send to one joint account owner shall be considered communicated to both or all owners.
  • You understand that once we process your request, we will discontinue mailing printed account statements to your mailing address of record.
  • You further agree to use CTC's Internet Banking Services to acknowledge that consent of eStatement delivery is a requirement of the terms of the CTC's Internet Banking Service and cancellation of eStatement delivery will result in the cancellation of the CTC Internet Banking Service.


How We Will Provide Electronic Statements

You must be enrolled in CTC Online Banking and provide a valid e-mail address for our notification purposes in order to access your eStatements. Each statement period we will send you an e-mail notice advising you of the availability of your eStatement. Once you receive our e-mail notice you may then access your current eStatement at the CTC Online Banking system website. Your eStatement may be accessed for a period of up to 13 months after it is first made available to you. If an e-mail we send to your e-mail address of record is returned as undeliverable we will attempt to contact you by telephone or U.S. mail.


Your Right to Withdraw Consent to eStatement

You may withdraw your consent to have your statements and documents provided in electronic form at any time by selecting an alternative delivery method within the Services. Once you do so, all subsequent statements and documents will be delivered in paper format. We will not charge you a fee to process your request to withdraw your consent. However, if you have an account that requires eStatements and you withdraw your consent, any fees we may have been waiving on your account based on your agreement to electronic statement delivery will be charged subsequently. Consult your account disclosure and Fee Schedule for any fees that may then apply. You further agree that cancellation of eStatement delivery may result in the cancellation of the CTC Internet Banking Service.


Requesting a Paper Copy of a Statement

You may request a paper copy of any eStatement, check image, disclosure or notice received electronically under this agreement by writing to us at the address for notices below within seven years after we provided the statement, image, disclosure or notice to you electronically. You may be charged a fee for a duplicate copy, as described in our then current Fee Schedule.


Hardware and Software Requirements

To access CTC Online Banking and your eStatement, you must have a PC or Macintosh® computer with Internet access and browser software that supports 128-bit encryption.
At a minimum, your computer should be equipped with:
  • 133 MHz processor
  • 64 Mg of memory
  • 56k Modem
  • 800x600 screen resolution

You will also need Adobe® Reader® software version 5.0 or higher. You may download Adobe Reader for free at www.adobe.com.
To retain a printed copy of your eStatements, you will need a printer attached to your computer that is capable of printing from your Internet web browser.
  • We will notify you of any change to software or hardware requirements needed to access your eStatement.

Your Duty to Review Your eStatements

  • You will receive an e-mail notifying you of the availability of your eStatement.
  • You must promptly access and review your eStatement and notify us within the applicable time period specified in our Electronic Banking Agreement of any error, unauthorized transaction, or other discrepancy. The applicable time period within which you must notify us begins on the day we send you the e-mail notification, regardless of when you receive or open your eStatement.

System Access

Access to eStatements may be unavailable at times due to scheduled maintenance, unscheduled maintenance, or system outage. In addition, both environmental and physical events may occur that may cause the system to become unavailable. We will make every reasonable effort to ensure the availability of the system. However, we are not liable for the unavailability of the system or any damage that may result from system unavailability.


Disclaimer of Warranties

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the eStatements services provided to you under this agreement. Except as otherwise required by law, you agree that we and our officers, directors, employees and agents are not liable for any indirect, incidental, special or consequential damages relating to your use of the eStatement services. You acknowledge that your sole and exclusive remedy in the event of your dissatisfaction is to cease use of the services.


Updating Your Contact Information

It is your responsibility to provide us with an accurate and complete e-mail address, postal address, and telephone number. You must promptly notify us of any change in your contact information. You may change your e-mail address with us through the CTC Online Banking system. You may notify us of changes to your postal address and telephone number by contacting us as described below.


Contacting Us

The best way to communicate with us about your eStatement or your account is to contact our Client Resource Center. The Client Resource Center can be reached at (617) 441-1444, Monday through Friday, 8:00 a.m. - 5:30 p.m. Eastern time or e-mail us at [email protected].


CTC Right to Terminate

We reserve the right, in our sole discretion, to discontinue providing statements to you electronically and revert to paper statements or to change the terms of this agreement at any time. We will provide you with notice of any such termination or change as required by law.


Changes in Terms

We will advise you of any changes in the terms of this agreement, either by e-mail or by U.S. mail, addressed to your address in our records. If you do not agree to the change, you may notify us to cancel your eStatement and CTC Internet Banking Service.


Verification of Ability to Obtain Statements Electronically

Federal law requires that you demonstrate to us that you can access your statement, our notice or other communication in the same manner that it will be provided. Your consent to electronic delivery is indicated by checking "I agree to the terms of the Statement Service Agreement and Disclosure" within CTC Online Banking and demonstrates to us that you have the minimum hardware and software specifications described above.
By checking "I agree to the terms of the Statement Service Agreement and Disclosure," I certify that I have read the above agreement and agree to its terms. I assent to use of e-mail messages sent to the e-mail address I have supplied. I request electronic delivery of the communications listed above. I understand that CTC will discontinue mailing my statements to my address of record. I have access to a computer that meets the technical requirements set forth above, including access to a printer or the ability to download information in order to keep copies for my records. By checking "I agree to the terms of the Statement Service Agreement and Disclosure", shall operate as my original signature.
 

Privacy & Security Policy and Terms & Conditions

APPLICABLE TO ALL PERSONAL DEPOSIT ACCOUNTS
THIS IS AN AGREEMENT

Welcome to Cambridge Trust Company.
The following constitute the Terms and Conditions which apply to all personal deposit accounts you have with Cambridge Trust Company: These things are an Agreement between you and Cambridge Trust Company and together with your electronic signature will serve as your signature card.

Please read the Terms and Conditions carefully.

By checking ‘I have read and agree to the Privacy & Security Policy and the Terms and Conditions’ you are providing your electronic signature indicating your agreement while you hold an account with us, to the most recent version of these Terms and Conditions, which are available to you at your local Cambridge Trust Company branch, at www.cambridgetrust.com, or by calling our Client Resource Center at (617) 441-1444.
If you have any questions, please call us at (617) 441-1444.


Privacy & Security

Cambridge Trust Company values the relationship we share with you and we are committed to protecting your privacy. Our Privacy Notice outlines the standards established for all of our employees for collecting, using, retaining, and securing confidential Client information.
Cambridge Trust is committed to helping you protect your personal information. The links and information below will assist you in recognizing common fraud and identity theft tactics used to obtain your personal information and describe steps you can take to protect yourself.


Privacy Notice

Cambridge Trust Company values the relationship we share with you, and we are committed to protecting your privacy. Our Privacy Notice outlines the standards established for all of our employees for collecting, using, retaining, and securing confidential client information. View privacy notice.

Online Transactions

Information is collected from you in three ways (1) via your explicit input, (2) automatically, and (3) through the use of cookies.


Explicit Input

In connection with your use of the Cambridge Trust Internet Banking services, whether through the Cambridge Trust site, or a co-branded site established by a site partner, you may be asked to input certain information, including personally identifiable information. This input may occur during the use of various services and/or in your contact with Client Support.

You may also occasionally be asked to complete optional surveys that we will use for research for the purpose of improving our service to you.

If you purchase goods or services from a supplier through the Cambridge Trust Web site, the information obtained during your visit to the supplier site, and the information you give — such as an account number and contact information — is provided to the supplier. This is to enable transactions to take place. Suppliers have separate privacy and data collection practices. We have no responsibility or liability for these independent policies. For more information regarding any particular supplier and its privacy policies, we recommend that you visit that supplier's home page and review its policies.


Automatic Collection

In the course of providing you with services, Web and application servers will automatically collect usage-related information, including URLs that you access, the date and time of your usage, your IP address, and your browser type. This information is collected for effective capacity planning and troubleshooting Web site performance.


Cookies

Certain information is gathered by a mechanism called "cookies." As part of offering and providing customizable and personalized service, "cookies" are used to store and sometimes track personally identifiable information about you. Cookies are small files that your browser places on your computer's hard drive when you sign in and sign out of a site.
As a general matter, the use of cookies is intended to make your online experience safer, easier, and more personalized. More specifically to:
  • Identify you as a prior customer
  • Enhance your security and privacy by using the cookie to authenticate your identity and access rights
  • Help evaluate the usage of various services
Although you have the ability to modify your browser to either accept all cookies, notify you when a cookie is set, or reject all cookies, it is not possible to utilize some online services if you reject cookies.

If you have any questions about this Privacy Notice, please contact us either through your branch manager, Email Customer Service or by mail at:

Cambridge Trust Company
Attn.: Compliance Officer
P.O. Box 380186
Cambridge, MA 02238-0186


Personal Internet Banking Agreement and Disclosure

Cambridge Trust Company (CTC) hereby publishes the following terms and conditions for Customer(s) use of banking services via the Internet, or the "Service" offered by Cambridge Trust Company. Copies of all agreements, including these Terms and Conditions, can be obtained at any one of our branches.  Cambridge Trust Company reserves the right to modify these Terms and Conditions at any time, effective upon publication. Customer(s) use of the Service constitutes agreement to these Terms and Conditions and any modification thereof, which are effective upon publication.

Use of the banking Service enables you to pay bills and perform banking transactions, and to communicate with us and our Internet Banking service providers. Bill payment and banking services are provided by third parties on behalf of CTC.

Please refer to our Electronic Banking Agreement for additional disclosures regarding the Service.

For questions concerning your account or account statement, contact us at (617) 441-1444, Monday through Friday, 8:00 a.m. - 5:30 p.m. Eastern Time or e-mail the Client Resource Center.

For questions concerning bill payment processing and technical support only, contact Customer Service at (800) 439-4140. The Customer Care Center is open 24-hours a day, 7-days a week, except for certain holidays (New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Christmas Day).


Customer Service Information

The Service is available 24 hours a day, 365 days a year. However, scheduled maintenance may occur on Sundays between 3:00 am - 5:00 am ET.
Service Hours
Bill Payment: 9:00 p.m. ET
Internal Transfers: 9:00 p.m. ET
Stop Payments: 9:00 p.m. ET
Subscription to Services

You authorize us to use third parties to provide the Service to you on our behalf.

CLICKING "I AGREE" WHEN YOU ENROLL IN PERSONAL INTERNET BANKING CONSTITUTES YOUR AUTHORIZATION FOR US TO MAKE PAYMENTS OR TRANSFERS VIA THE SERVICES ON YOUR BEHALF.

You may designate the CTC checking accounts of your choice for the bill payment service. You may not designate a savings account or money market account for bill payment through the Service. The accounts you choose to use for bill payments is your designated account (the "Designated Account"). You may make payments to any merchant that agrees to accept payments through the Service. You may also choose to have transfers made between one or more of your CTC accounts via the Service. You agree to pay any and all fees associated with these services. Once you apply and are approved for the Service, you will be charged for all fees whether or not you use the Service.


Payment Restrictions

You may not use the Service to transmit child support, alimony or other court-directed payments, nor to pay taxes or make other payments to government agencies. At this time, you may not make payments to foreign vendors or persons. CTC reserves the right to limit the total amount of bill payments initiated each day.


Merchant Payments and Restrictions

You should schedule your payment dates at least seven to ten (7-10) business days in advance of the date your payment is actually due, not including any grace period.
The date the merchant credits the payment depends upon the merchant's payment processing procedures, and CTC will not be responsible for any delay in crediting the payment which is the result of the merchant's payment processing procedures.

Subject to the terms and conditions of this disclosure, you authorize us and any third party acting on our behalf to choose the most effective method to process your payment, including without limitation, electronic, paper or some other means.


Signature Requirements

Payments may be in the form of a paper draft. Use of your password is considered as signature authorization under the terms of this agreement.


Confirmation of Payments

Each time you properly execute and send a payment, the payment details will be displayed as confirmation. If you have deleted the payment successfully, the payment information will no longer be displayed.

If you have followed the procedures described in this disclosure for payments or transfers, but are assessed a penalty or late charge by a merchant because your payment is late, we will reimburse you for losses, including late charges, to the extent required by applicable law.

HOWEVER, IF THE PAYMENT DETAILS ARE NOT DISPLAYED OR IF YOU HAVE BEEN NOTIFIED OF OUR REFUSAL OR INABILITY TO MAKE PAYMENT OR TRANSFER, WE SHALL NOT BE LIABLE FOR ANY FAILURE TO MAKE A PAYMENT OR TRANSFER, INCLUDING ANY FINANCE CHARGES OR LATE FEES INCURRED BY YOU AS A RESULT.
IN THE EVENT THAT YOU DO NOT ADHERE TO YOUR OBLIGATIONS IN THIS AGREEMENT, OR YOU INITIATE A PAYMENT FEWER THAN THE NUMBER OF DAYS BEFORE THE PAYMENT DUE DATE REQUIRED FOR A PARTICULAR MERCHANT, YOU WILL BEAR FULL RESPONSIBILITY FOR ALL PENALTIES, LATE FEES AND DAMAGES PROXIMATELY CAUSED BY YOUR SCHEDULING, AND WE WILL NOT BE LIABLE FOR ANY SUCH CHARGES.


Liability Limitations

Under no circumstances will we be liable if we or our authorized third parties are unable to complete any payment or transfer initiated in the correct amount or in a timely manner via the Service because of the existence of any one or more of the following circumstances:
  • Payment is not properly executed at the time you initiate a bill payment or modification of a bill payment.
  • If, through no fault of ours, your Designated Account does not contain sufficient available funds, including any available credit line, to complete the payment or transfer or if the payment or transfer would cause you to exceed the credit limit on your Designated Account's overdraft line.
  • The funds in your Designated Account are subject to legal process or other encumbrance restricting such payment or transfer.
  • Your subscription to the Service has been terminated for any reason.
  • The Service, your equipment, software, or any communications link is not working properly and you know or have been advised by us about the malfunction before you attempted to execute the transaction or, in the case of an automatic or recurring payment or transfer, at the time such payment or transfer should have occurred.
  • You have not provided us with the correct information for those merchants to which you wish to direct payment or accounts to which you wish to make transfer.
  • The Payee mishandles or delays crediting of any payments sent by us on your behalf.
  • Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside source) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid these circumstances.

WE ARE NOT RESPONSIBLE FOR ANY LOSS, DAMAGE OR INJURY CAUSED BY YOUR EQUIPMENT OR SOFTWARE.
THIS LIST IS NOT ALL INCLUSIVE. 


Payment Cancellation and Modification

Except for those payments and transfers that are completed immediately (for example, expedited payments or certain transfers between CTC accounts), you may cancel or modify via the Service a "One-time Payment" (a single payment you schedule to initiate within the next 364 days) or a "Recurring Payment" (a payment you schedule to initiate weekly, semi-monthly or monthly). These payments must be canceled by 9:00 p.m. on the date that the payment is scheduled to be processed. A modification of a recurring payment or transfer instruction will affect all future payments or transfers associated with the payment or transfer.
  • You may not cancel a Bill payment that has been processed.
  • If you cancel a payment in accordance with the above instructions and CTC does not honor your instructions, CTC will only be liable for your economic losses or damages related to the specific transaction.
  • You cannot Stop Payment on Bill Payment checks issued. 
  • Please call our 24 hour support line at (800) 439-4140 or our Client Resource Center at (617) 441-1444 for assistance with Bill Payment Stop Payment requests.
  • You may not stop payment on a completed Bill Payment.
  • Internal Account Transfers. 
  • You cannot cancel a completed internal transfer.


New Services

We may from time to time introduce new services or enhance the existing services. We may notify you of the existence of these new or enhanced services. By using these new services when they become available, you agree to be bound by the terms and conditions relating to these services, notice of which will be sent to you, if required by applicable law, prior to their release.


Charges

We will charge you a fee for the Service, as stated in our Fee Schedule in effect. We will deduct these charges from the Designated Account that you selected at the time of enrollment in the Service.

If a payment has been made to one of your designated merchants for which funds were not available in your Designated Account, and we are unable to recover the amount of the payment by debit to the merchant or by charging your Designated Account, you agree to repay the funds owed immediately upon demand.


Suspension

In the event of repetitive failed payments or transfers, we reserve the right to suspend your subscription to the Service. This suspension may be made without prior notice to you. If your subscription is suspended, we will notify you by mail at your last listed address, and all inquires or correspondence relating thereto, including requests for reinstatement, should be directed to CTC.


Unauthorized Use

Your user ID and Password are confidential. These identifiers are for your use and should not be disclosed to any other person. Contact us immediately if you believe that someone has obtained your password or may have access to your accounts without your permission. Telephone us at (617) 441-1444 during normal business hours, or (800) 439-4140 after hours. Refer to the Electronic Banking Agreement for additional important information.


Additional Terms and Conditions

  • In addition to the foregoing, you agree to be bound by and comply with our rules and by-laws, applicable state and federal laws and regulations, and any telecommunication or other local laws or regulations of customer's country of origin.
  • We reserve the right to terminate your use of the Service, in whole or in part, at any time without prior notice.
  • If you wish to cancel your subscription to the Service, you must provide CTC with thirty (30) days advance notice by telephone or e-mail, or you may notify CTC in writing. You will be responsible for all payments or transfers you have requested prior to termination unless canceled by you.
  • SINCE SUBSCRIPTION CANCELLATION REQUESTS TAKE UP TO 30 DAYS TO PROCESS, YOU SHOULD CANCEL ALL OUTSTANDING PAYMENT OR TRANSFER ORDERS IN ADDITION TO NOTIFYING US OF YOUR DESIRE TO TERMINATE THE SERVICE. WE WILL NOT BE LIABLE FOR PAYMENTS OR TRANSFERS NOT CANCELED OR PAYMENTS OR TRANSFERS MADE DUE TO THE LACK OF PROPER NOTIFICATION BY YOU OF SERVICE TERMINATION.
  • We may amend this disclosure, or the applicable fees and charges at any time. We will send notice to you of any amendment at your last listed address with us or transmit notice of the alteration or amendment over the Internet at least 21 days prior to the effective date of the change, if required by law. However, if the change is made for security purposes, we can implement it without giving you prior notice. Your use of the Service after 21 days following transmittal of the notice of alteration or amendment constitutes your acceptance of such alterations or amendments.
  • In the event of a dispute regarding the Service, you and we agree to resolve the dispute by looking to the terms and conditions contained in this disclosure and the applicable account disclosures. The terms and conditions contained here, as they may be amended from time to time, shall supersede any and all other representations made by our employees.

 Frequently Asked Questions

  • Why is email address needed?
    • Your email address will be used to send you an account confirmation, verification codes, as well as account information and statements.
  • Why is Social Security Number needed?
    • Your Social Security Number is used to verify your identity and help prevent fraudulent account openings. You will also be asked to certify that it is correct as required by IRS regulations.
  • What is occupation description?
    • Occupation description is your job title or a brief explanation of what you do for a living. This information is collected help us verify your identity.
  • What is electronic transfer?
    • An electronic transfer is a process which enables you to fund your Cambridge Trust account(s), either from an existing Cambridge Trust account or from another financial institution within the United States. We may contact your other bank to ensure and verify that you are the rightful owner of the account. Your funding account must have the same ownership as your new Cambridge Trust account.
  • What if my information is incorrect?
  • If the information Cambridge Trust has on file is incorrect, please call the Client Resource Center at 617-441-1444 or send an email to the Client Resource Center.
  • What is backup withholding?
    • Backup withholding is a withholding on certain types of income for federal income taxes. Backup withholding may be mandatory in certain circumstances. Most taxpayers, however, are exempt from backup withholding. U.S. citizens and resident aliens will be exempt from backup withholding if: you properly report your name and Social Security Number to the payer using Form W-9 and that the information matches the IRS records, you have not been notified by the IRS that you are subject to mandatory backup withholding. 
  • Need help locating your verification code?
    • Your verification code was provided on the confirmation page during the online account opening process. The verification code is also included in the confirmation email you received from Cambridge Trust Company after completing the application and any reminder emails you may have received. If you are unable to locate you verification code, please contact us at 617-441-1444.