Terms and Conditions

The information on these web pages and in the Internet Banking News is intended for individuals that are employed by federally insured banks, savings and loans, or credit unions.  This information is NOT to be used or copied by webmasters, ISP, CPA firms, independent auditors, accountants, consultants, compliance consultants, etc. without the expressed written permission of R. Kinney Williams & Associates.  R. Kinney Williams & Associates reserves the right to refuse to send information and to remove an e-mail address from the weekly mailing list of the Internet Banking News for any reason.

The information on these web pages is provided without warranty of any kind, and all warranties are hereby disclaimed, whether express or implied, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. R. Kinney Williams & Associates will not be liable for any damages whatsoever, whether direct, special, indirect, incidental, or consequential (including, without limitation, damages for loss of business profits, business interruption, loss of business information, or any other pecuniary loss) arising out of, or related to your use of, or inability to use the information on any such web page, even if advised of the possibility of such damages. Because some states and jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. You may not further distribute, reproduce, rent, sell, transfer or license these articles.  A number of the web pages contain information from agencies of the U.S. Government and as such, R. Kinney Williams & Associates can not and does not guarantee the accuracy of the information.  The U. S. Government agency or laws and regulations should be consulted to determine the accuracy of any information.  R. Kinney Williams is not an attorney nor a CPA.  Mr. Williams have over 38 years banking industry experience, which includes bank executive,  20 year experience as an examiner, computer auditing, and bank consulting.  R. Kinney Williams is a member of the Society of Financial Examiners and the Information Systems Audit and Control Association and adheres to the code of conduct with both organizations.