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Disclaimers

You Get More When You Bank Well.

This web site has been established as a source of information for those who visit it. The information contained herein is not intended to be a direct solicitation and does not include full disclosure about each product. Full disclosures may be obtained by contacting any banking office of Bankwell.

The information contained on these pages and the products offered by Bankwell are subject to change. Disclosures or business contracts relating to products and services contained herein are restricted to the state of Connecticut. Any account you open with us will be deemed to have been opened in the state of Connecticut. If you open an account with us, the account will be subject to the laws of the State of Connecticut and federal law, as applicable, but not to the laws of any other state.

Your eligibility for particular products is subject to acceptance by the Bank.

NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, IS GIVEN IN CONJUNCTION WITH THE USE OF THIS WEB SITE, INCLUDING BUT NOT LIMITED TO TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS. IN NO EVENT WILL BANKWELL BE LIABLE FOR ANY DAMAGES ARISING IN CONNECTION WITH THIS SITE, OR THE USE OR INABILITY TO USE THIS SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF BANKWELL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Account Opening

To open any account with us for any banking product, you must submit an application and we must approve the application. You may obtain applications for our products and services at any bank office of Bankwell, by writing to us at Bankwell, 208 Elm Street, New Canaan, Connecticut 06840, by calling us at 877-966-1944.

Security Policy

We are confident in our system's ability to protect all transactions. This is a private computing system that is restricted to authorized individuals. Actual or attempted unauthorized use of this computer system will result in criminal and/or civil prosecution. We reserve the right to view, monitor and record activity on the system without notice or permission. Any information obtained by monitoring, reviewing or recording is subject to review by law enforcement organizations in connection with the investigation or prosecution of possible criminal activity on the system. If you are not an authorized user of this system or do not consent to continuous monitoring, exit the system at this time.

Security

Your transactions are absolutely safe. Bankwell works with cutting-edge technology partners to ensure that the most secure environment is made possible for our valued customers. We offer you worry-free Internet banking. You can be completely confident of the following security measures.

Secure Communications

Our system ensures that data exchanged between your PC and our computers is encrypted with 128 bit encryption - the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to encrypt or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering.

Secure Environment

Our computer system does not connect directly to the Internet. It is isolated from the network via a firewall. A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the bank's internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

Secure Login

User IDs and passwords are isolated from the Internet by being stored on Bankwell's computer. This way, the passwords and IDs can never be accessed or downloaded from the Internet. Additionally, user passwords can vary from six to eight alphanumeric characters. The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits a hacker from gaining access to our system, thus protecting your accounts.

Your Password

You will be responsible for maintaining one of the most important security measures: your password. When you receive your Bankwell Online Banking password, be sure to keep it secret. Memorize it, or write it down and keep it in a safe place. It is not recommended that you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security.

Electronic Messaging

When you send us an e-mail from our Internet Banking Site, that information will be secure by using encryption. Responses we send to you through our Internet Banking Site will also be encryption-secured. However, e-mail messages you send to us from outside of our Web site will be dependent on the security features of your e-mail system. Therefore, you should not include confidential information in those messages unless you are confident of the security features of your e-mail system.

Timeout Features

To help prevent unauthorized access and ensure the security of your accounts, sites requiring login access will contain a timeout feature. This feature will automatically log you out of a transaction after we have detected no activity for 10 minutes. This is to protect you in case you accidentally leave your computer unattended after you log on. When visiting our Online Banking site please take a moment to review our enhanced security features.

Children's Online Information Privacy

We do not knowingly collect, maintain or use personal information from children under the age of 13. In addition we are not responsible for the collection and use of information by companies or organizations outside of the Bankwell organization that may be linked to our Web site.