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Kansas Bankers Association
Terms of Use

Post Date:  07-14-2025
Effective Date:  07-14-2025

This Terms of Use agreement (“Terms of Use”) applies to your (“You” or “Your” either an individual or a legal entity) use of and access to any of Kansas Bankers Association (“KBA”, “Us”, “Our”, “We”) Internet properties including, without limitation, http://www.ksbankers.com, mobile websites, microsites, KBA profiles on social media Sites, and any other digital services or properties operated or used by the KBA from time to time (collectively referred to as the “Sites”).  By accessing or using any of the Sites, You agree to comply with and be bound by these Terms of Use. Please read these Terms of Use carefully.  If You do not agree to the Terms of Use and the Privacy Policy, please do not use or access the Sites.

  1. License Grant. The KBA grants You a personal, revocable, limited, non-exclusive, non-transferable license to access and use the Sites, provided that You accept and comply with, these Terms of Use. You may use the Sites and the KBA Content (as defined in Section 9 below) for Your noncommercial, personal use and for no other purpose. The KBA reserves any rights not explicitly granted in these Terms of Use.
  2. License Restrictions. Unless otherwise expressly stated in these Terms of Use, or unless You receive the KBA’s prior written consent, You may not modify, translate, create derivative works of, copy, distribute, market, display, remove or alter any proprietary notices or labels from, lease, sell, sublicense, clone, transfer, decompile, reverse engineer, or incorporate into any information retrieval system (electronic or mechanical), the Sites, any KBA Content (as defined below, Section 3), or any portion thereof. Please do not access or use the Sites for any of the following:
    (i) any unauthorized or illegal purpose or activity including, but not limited to, any activity to obtain or attempt to obtain unauthorized access to the Sites, including KBA Content;
    (ii) interfere with the proper working of the Sites including, but not limited to, the transmission of any virus, worm, trap door, back door, timer, clock, Trojan horse, denial of service attack, or other limiting routine, instruction or design; or
    (iii) interfere with any other person’s use and enjoyment of the Sites.
    If you are unable to comply with these restrictions, We may restrict your use of the Sites, such as by suspending or terminating your ability to access all or part of the Sites.
  3. Proprietary Rights. The content of the Sites (“KBA Content”) includes the following: (i) KBA’s trademarks, service marks, logos, brands, and brand names, trade dress, and trade names and other distinctive identification (collectively “KBA Marks”);
    (ii) information, data, materials, interfaces, computer code, databases, products, services, software applications and tools, text, images, photographs, audio and video material, including podcasts, and artwork; and
    (iii) the design, structure, selection, compilation, assembly, coordination, expression, functionalities, applications, look and feel, and arrangement of any content contained in or available through the Sites.
    Unless otherwise identified, all KBA Content is the property of the KBA and/or its licensors, sponsors, partners, advertisers, content providers, or other third parties.  KBA Content is protected by, without limitation, copyright, trade secret, patent, and trademark law, as well as other state and federal laws and regulations.  The reproduction, transmission, distribution, sale, publication, broadcast, circulation or dissemination of any KBA Content by You, or by You through any other person or entity, is prohibited unless You obtain the express written consent of the KBA or the owner of such content if the KBA is not the owner. Any use of the KBA Marks without KBA’s express written consent is strictly prohibited. You may not alter, delete, obscure, or conceal any copyright, trademark, or other notices appearing in the KBA Content, including any such notices appearing on any KBA Content You are permitted to download, transmit, display, print, or reproduce from the Sites.
  4. Sharing of Content. The KBA may provide content You may download, copy, or otherwise use (“Downloadable Content”) for noncommercial, personal uses. The use of Downloadable Content is a limited, exclusive, nontransferable, and revokable license to Downloadable Content.  The KBA does not relinquish any Proprietary Rights defined in Section 3 by providing access to Downloadable Content.  Any use of Downloadable Content other than personal use is expressly prohibited without prior written permission from the KBA or the owner of the Downloadable Content if not owned by the KBA.  We may require You to stop using Downloadable Content should Your use violate the KBA’s policies, rights or cause interruption or deterioration of KBA Content.
  5. Links to Third Party Websites. The Site may contain links to third-party web sites or services that are not owned or controlled by the KBA. KBA has no control over, and assumes no responsibility for the content, privacy policies or practices of any third-party web sites or services.  You further acknowledge and agree that KBA shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services.  We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.  Unless otherwise stated, the appearance of a link to a third-party site is not intended as endorsement of any particular company or product.
  6. Links to Websites, Content, Sharing of Content. The KBA may grant You permission to create a hyperlink to any portion of Sites for non-commercial purposes. You are not permitted to link any portion of the Sites to portray the KBA, including any KBA party, or any KBA Content in a false, misleading, derogatory or otherwise defamatory manner. You are not permitted to link the Sites to any site containing any adult material or any material that is offensive, harassing or otherwise objectionable to the KBA. If You are unable to comply with the limitations in this section, We may require You to disable or remove any hyperlink from a third-party website that violates the KBA’s policies, rights, or causes interruption or deterioration of KBA Content.  To request consent to link to the Site please contact:  kbaoffice@ksbankers.com
  7. User Obligations. By accessing and using the Sites, You agree that You will do so in a legal and respectful manner. We ask that You, at all times, provide true, accurate, current, authorized, and complete information when submitting information or materials on the Sites, including, without limitation, information required to be provided through a KBA Website registration form. If You submit any false, inaccurate, untrue, unauthorized, or incomplete information, We may restrict, suspend, or terminate Your access and use of the Sites. Do not impersonate any other person or entity, whether actual or fictitious, when using the Sites, or defame or otherwise harm any party through Your use of the Sites. You must refrain from using Our Sites to upload, download, post, email, transmit, or otherwise make available any content, including through any attachment(s) thereto:
    (i) that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically, or otherwise objectionable;
    (ii) that You do not have a right to make available under any law or under contractual or fiduciary relationships (e.g., inside information, proprietary and confidential information learned or disclosed as part of employment relationships, or information made available to You under a nondisclosure agreement);
    (iii) that infringes a patent, trademark, trade secret, copyright, or other proprietary rights of someone else;
    (iv) that is unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;
    (v) that contains software viruses or other malicious computer code, files, or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; and

(vi) that violates any applicable local, state, or federal law or regulation.  Non-limiting examples include violating any regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange (e.g., New York Stock Exchange, the American Stock Exchange, or the NASDAQ), or any other regulations having the force of law.

  1. Responsibility for Use of the Internet and Websites. While We endeavor to provide You with a safe and secure experience when using Our Sites, we cannot completely guarantee the safety, accuracy, and security of information on the Sites, including KBA Content. You acknowledge that Your continued use of the Sites is solely at Your risk and is subject to, without limitation, all applicable local, state, and federal laws and regulations. To the best of Our ability and at Our convenience, We will attempt to correct or update the Sites and/or KBA Content when necessary, but We cannot be held liable for omissions, typographical errors, or out-of-date information which may appear on the Sites.
  2. Personal Login Information. Certain features and areas of the Sites may require registration, a login, and/or a paid subscription. If You are required to register an account, You must select a unique login and password (“Personal Login Information”). Your Personal Login Information is personal to You. The KBA is not liable for any harm caused by or related to the theft, misappropriation, disclosure, or unauthorized use of Your Personal Login Information. Do not allow a third party to use it under any circumstances. Please contact Us immediately if You become aware of, or if believe there is or may have been, any unauthorized use of Your Personal Login Information, or otherwise wish to deactivate Your Personal Login Information due to security concerns.
  3. No Legal Advice and Disclaimer as to Accuracy of Information. The information on the Sites, including KBA Content, is for informational purposes only, and is not legal advice or a substitute for legal counsel. Please note that in some circumstances the information contained in the Sites, including KBA Content, may not reflect the most current legal or regulatory developments. Accordingly, the KBA does not promise or guarantee that any information on the Sites is correct or complete, and You should not rely upon any such information as being correct or complete. As legal advice must be tailored to the specific circumstances of each case, please do not rely on any information provided on the Sites, including KBA Content, as a substitute for advice of competent counsel. The materials on the Sites and KBA Content do not constitute legal advice and do not necessarily reflect the opinions of the KBA.
  4. User-Generated Content. Certain pages on Our Sites may include discussion boards, blogs, and/or other services that allow You and other users of the Sites to provide feedback, views, comments, or the like by posting, uploading, transmitting, or otherwise providing text, documents, comments, pictures, trackback URLs, or videos (“User Content”). By providing User Content You grant the KBA a nonexclusive license to display reproduce, transmit, and/or modify such User Content including for internal and external marketing purposes. The KBA assumes no liability for any User Content contributed to the Sites. Because We cannot verify the accuracy or correctness of all User Content, The KBA does not approve or endorse relying on the information or advice in any User Content. You are required to exercise caution when consuming User Content. By consuming User Content You agree to indemnify the KBA against all claims and liabilities resulting from Your reliance on User Content. The KBA is not responsible for the use of User Content available on the Sites by other Users and the Public. You are solely responsible for the User Content You submit.  If You believe any User Content infringes on Your proprietary rights,  please contact Us via one of the means identified in Section 13 below.
    The KBA retains the right to remove any User Content for any reason, including but not limited to, User Content that We deem threatening, demeaning, profane, obscene, a violation of intellectual property rights or privacy laws, off-topic, commercial or promotion of organizations or programs, or otherwise injurious or illegal. If you cannot comply with the provisions of this Section, We may need to ban or block You from contributing User Content to the Sites.
    The KBA will disclose User Content You have contributed to the Sites if We are required to do so by law or based on a good faith belief that such disclosure is reasonably necessary in our opinion to:
    (i) comply with legal process;
    (ii) enforce the Terms of Use;
    (iii) respond to claims that any User Content violates a rights of a third party;
    (iv) respond to Your requests for customer service; or
    (v) protect the rights, property, or personal safety of You, other users of the Sites, and/or the public.
  5. Social Media Sites. The KBA provides opportunities for user interaction within its Sites and via social media profiles on sites such as Facebook, X (formerly Twitter), LinkedIn, and various blogging sites. Any content and/or links to other Internet websites should not be construed as an endorsement of the organizations, entities, views or content contained therein. The KBA is not responsible for content or links posted by others on social media websites. Use of the KBA social media sites is subject to the “User Content” provision in Section 11 above. The KBA is not responsible for User Content made publicly available, used, published, copied, and/or reprinted on social media sites. The KBA reserves the right to prevent You – with or without notice – from making future posts on such social media profiles, or from contributing User Content to the Sites.
  6. Digital Millennium Copyright Act (“DMCA”) Notice. The KBA is committed to complying with intellectual property laws, and requires all users of the Sites and Services to comply with these laws. Accordingly, You may not store, post, upload, transmit, or otherwise distribute text, documents, pictures, or videos of any material or content on the Sites in a manner that constitutes an infringement of a third party’s intellectual property rights, including rights granted by copyright law. You may not post, modify, distribute, or reproduce in any way any copyrighted material, trademarks, or other proprietary information belonging to others without obtaining the prior written consent of the owner of such proprietary rights. Upon receipt of proper notification to the KBA by a copyright owner or the copyright owner’s legal agent, the KBA may restrict access and/or terminate use privileges of any user who repeatedly infringes the copyright rights of others.
    If You believe that work has been copied on the Sites in a way that constitutes copyright infringement, or that information on the Sites, including KBA Content, otherwise infringes an intellectual property right, please contact the KBA through one of the following means:

By mail:
Kansas Bankers Association
Attn: Legal Department
610 S.W. Corporate View
Topeka, Kansas 66615

By email: kbaoffice@ksbankers.com  (please include “Attention: Legal Department” in the Subject Line)

When contacting the KBA regarding a claim of copyrights or other intellectual property right infringement, please provide the following in your DMCA Notice:
(i) a description of the copyrighted work or other intellectual property that You claim has been infringed.  If Your DMCA Notice covers multiple works, You may provide a representative list of such works;
(ii) a description of where the material that You claim is infringing is located on the site.  Your description must be reasonably sufficient to enable Us to locate the material.  Where possible, please include the URL of the webpage;
(iii) Your full legal name, mailing address, telephone number, and email address;
(iv) a statement in the body of the DMCA Notice acknowledging:

  • I have a good faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law. I represent that the information in this DMCA Notice is accurate and, under penalty of perjury, that I am the owner of the copyright or I am authorized to at on the copyright owner’s behalf.

(v) Your electronic or physical signature.

Please note that under 17 U.S.C. 512(f), if You knowingly misrepresent that material or activity is infringing, You may be liable for damages, including costs and attorneys’ fees, incurred by Us or Our users.  If You are unsure whether the material or activity You are reporting is infringing, You may wish to contact an attorney before filing a notification with Us.

  1. Third Party Information. The Sites may feature materials, information, products, and services provided by third parties. Any such information, including but not limited to articles, press clippings, opinions, advice, statements, services, offers, or other information made available by third parties, such as content providers and other users of the Sites, are those of the respective third party and not of the KBA or its affiliates. The KBA makes no representation with respect to, nor does it guarantee or endorse, the quality, non-infringement, accuracy, completeness, timeliness, or reliability of such third party materials, information, services or products.
  2. Advertisers. The Sites may contain advertisements. The inclusion of advertisements on the Sites does not imply endorsement of the advertised products or services. The KBA shall not be responsible for any loss or damage of any kind incurred as a result of the presence of such advertisements on the Sites. Further, the KBA shall not be responsible or liable for the statements or conduct of any third-party advertisers appearing on the Sites. Please exercise caution when viewing third-party advertisements, as You will be solely responsible for any correspondence or transactions You have with third-party advertisers.
  3. Click-Through Agreements. Before using certain areas of the Sites, You may be asked to indicate Your acceptance of additional special terms and conditions by clicking a button marked “I Accept”, “I Agree”, “Okay”, “I Consent”, or other words or actions that similarly acknowledge Your consent or acceptance of a Click-Through Agreement. To the extent there is a conflict between these Terms of Use and any Click-Through Agreement for the activity in which You choose to participate, the Click-Through Agreement will govern.
  4. Use of the Sites and Content outside of the United States. The KBA makes no claims regarding access or use of the Sites or the KBA Content outside of the United States. If You use or access the Sites or the KBA Content outside of the United States, You do so at Your own risk and are responsible for compliance with the laws and regulations of Your jurisdiction as well as these Terms of Use. If You are not willing to abide by the laws and regulations of the United States, or are not willing to sacrifice protections afforded under the laws and regulations of your home country, do not use Our Sites.
  5. Revisions to Terms of Use. The KBA reserves the right to revise these Terms of Use including but not limited to adding, removing, and/or altering any part of these Terms of Use at any time in its sole discretion by posting revised Terms of Use to the Sites. We will, at Our convenience, provide notice when these Terms of Use are changed. Your continued use of the Sites signifies Your acceptance of all the terms and conditions contained within the Terms of Use posted at the time of Your use. You are responsible for regularly reviewing the Terms of Use posted to the Sites.
  6. Applicable Law. These Terms of Use and all matters regarding Your use of the Sites shall be governed by, construed in accordance with, and enforced under the laws of the State of Kansas, without regard to choice of law principles. You agree that any action at law or in equity arising out of or relating to these Terms of Use shall be filed only in the courts located in Shawnee County, Kansas. You hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action, or proceeding arising out of these Terms of Use.
  7. Indemnification. To the fullest extent permitted by law, You shall defend, indemnify, and hold harmless the KBA, KBA’s affiliates, subsidiaries, employees, officers, directors, members, KBA’s agents, representatives, suppliers, advertisers, contractors, promotional partners, and licensors (collectively, “KBA Parties”) from and against all claims arising from or in any way related to Your use of the Sites and/or KBA Content. You are responsible for any violation of these Terms of Use, or any other misuse or illegal actions connected with Your use of the Sites and/or KBA Content, including any liability or expense, losses, damages (actual and consequential), suits, judgments, litigation costs and attorneys’ fees. The KBA will provide prompt written notice of any such claims, but failure to provide such notice will not release You from any of Your obligations pursuant to this Section, except to the extent that You are actually prejudiced by such failure, and will not relieve You from any other liability that You may have to the KBA Parties other than under this Section.
  8. Disclaimer. The KBA provides the Sites as a benefit for informational and education purposes. The KBA does not certify or guarantee the accuracy, completeness, efficacy, or timeliness of information contained herein. The KBA expressly disclaims liability for damages of any kind claimed by any person or organization arising, directly or indirectly, from the use of, or reliance upon, any information on this site, linked sites or third-party postings. The Sites may include links to other Internet sites. These third-party sites are independent from the KBA and the KBA does not certify or control these sites and cannot guarantee the accuracy, completeness, efficacy or timeliness of information contained therein. Reference on the Sites or on any external site linked to any specific commercial product, process or service does not constitute or imply recommendation by the KBA. Users are solely responsible for product and service selections and vendors are solely responsible for the quality and value of their products and services, delivery, billing, warranty and service. The KBA expressly disclaims responsibility for damages of any kind claimed by any person or organization arising, directly or indirectly, from use, reference to or reliance upon any such product, process or service.

THE SITES AND THE MATERIALS CONTAINED THEREIN, INCLUDING KBA CONTENT, ARE PROVIDED ON AN "AS IS" OR “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. THE KBA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE KBA DOES NOT REPRESENT OR WARRANT THAT MATERIALS IN THIS SITE ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. THE KBA DOES NOT REPRESENT OR WARRANT THAT THIS SITE OR ITS SERVER(S) ARE FREE OF VIRUSES WORMS, “TROJAN HORSES,” OR OTHER MALICIOUS SOFTWARE. THE KBA DOES NOT MAKE ANY WARRANTIES AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITES AND/OR SERVICES, OR ENDORSE, RECOMMEND, OR MAKE ANY WARRANTIES AS TO THE ACCURACY, RELIABILITY OF ANY CONTENT, INFORMATION, MATERIALS, USER CONTENT, FEATURES, SERVICES, PRODUCTS, OR STATEMENTS AVAILABLE ON OR THROUGH THE SITES OR THROUGH LINKS ON THE SITES AND/OR SERVICES. THE USE OF THE SITES IS ENTIRELY AT YOUR OWN RISK.

  1. Limitation of Liability.TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE KBA PARTIES BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY AND WHETHER OR NOT THE KBA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR RELATING TO (A) THE USE OR INABILITY TO USE THE SITES; (B) ANY CONTENT OR PRODUCTS AVAILABLE OR SOLD ON OR THROUGH THE SITES; OR (C) ANY THIRD-PARTY CONTENT OR MATERIALS (INCLUDING USER CONTENT) OR THE DEFAMATORY, INFRINGING, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY. WHILE CERTAIN JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SUCH LIMITATION MAY NOT APPLY TO YOU. IN ANY CASE, THE ENTIRE LIABILITY OF THE KBA, AND ITS DIRECTORS, OFFICERS, EMPLOYEES, VOLUNTEERS, AND AGENTS, UNDER THE TERMS OF USE FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE) IS LIMITED TO THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESS TO THE SITES AND/OR SERVICES. In the event You are dissatisfied with, or dispute, these Terms of Use, the Sites, and/or the KBA Content, please terminate Your use of the Sites, as the KBA has no other obligation, liability, or responsibility to You.
  2. Term and Termination. These Terms of Use will take effect at the time You begin using the Sites. The KBA reserves the right, with or without notice, at any time and for any reason to deny You access to the Sites or to any portion thereof, and to terminate these Terms of Use. These Terms of Use, and the licenses and rights granted to you, will terminate automatically if You fail to comply with the terms set forth herein. You may terminate these Terms of Use at any time by ceasing to use the Sites, but all applicable provisions of these Terms of Use will survive such termination. Upon termination, please destroy all copies of any portion of the Sites, including any KBA Content, in Your possession.
  3. Waiver. The failure of the KBA to exercise or enforce any right or provision in these Terms of Use shall not constitute a waiver of such right or provision.
  4. Severability. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be enforced to the fullest extent of the law, and all other provisions shall remain in full force and effect.
  5. Complete Agreement. These Terms of Use, together with any revision(s) and any Click-Through Agreement, constitutes the entire agreement between You and the KBA relating to the Sites and its use by You, and supersedes any previous written or oral communication regarding use of the Sites.
  6. Contact Information. If You have any questions or concerns regarding these Terms of Use or the Sites, please email at us at: kbaoffice@ksbankers.com.

(785) 232-3444
610 SW Corporate View
Topeka, Kansas 66615
kbaoffice@ksbankers.com
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