Welcome to ING DIRECT! Terms and Conditions for Use of this Web Site Please carefully review the following Terms and Conditions for Use of this web site ("Terms and Conditions"). In these Terms and Conditions, "we," "us," "our" and "ING DIRECT" all refer to ING Bank, fsb. ING Bank, fsb, is an FDIC-insured federally chartered savings bank regulated by the Office of Thrift Supervision, and headquartered at 1 South Orange Street, Wilmington, Delaware, 19801. ING Bank, fsb is an equal opportunity employer, an equal credit opportunity lender, and an equal housing lender. By using this web site (www.ingdirect.com) and the online services offered by ING DIRECT, you agree to these Terms and Conditions. If you don't agree to all of these Terms and Conditions of use, please don't use www.ingdirect.com. Additionally, you're encouraged to review the following links to ING DIRECT Security Guarantee & Privacy Policy and Frequently Asked Questions:
Frequently Asked Questions (FAQ's) about ING DIRECT Products and Services The information contained in this web site is not intended to provide any specific legal, accounting, financial, or tax advice to individuals or entities, and shouldn't be relied on or used for any such purposes. Downloading, printing or copying from this web site must be for noncommercial, personal use only. Links are Not Endorsements Please note that once you leave this web site, ING DIRECT accepts no responsibility for the content, products, services or privacy policies of non-ING DIRECT web sites. Links to other web sites or references to products, services or publications other than those of ING DIRECT don't imply the endorsement or approval of such web sites, products, services or publications by ING DIRECT. Accuracy and Changes Facts and information on this web site are believed to be complete and up-to-date. ING DIRECT reserves the right to modify the information on this web site at any time without notice. Any such modification will be effective immediately upon posting and your continued use of this web site will mean that you accept these changes. Severability and Conflicts with other Terms If any provision of these Terms and Conditions is determined to be unlawful, void or unenforceable for any reason, in whole or in part, then that provision will be severable from these Terms and Conditions and won't affect the validity or enforceability of the remaining provisions. Conflicts between these Terms and Conditions and the specific terms and conditions of any other agreements relating to your ING DIRECT accounts, products and services, will be controlled by the specific terms and conditions of the other agreements relating to your ING DIRECT accounts, products and services. Copyright Notice © ING Bank, fsb. All rights reserved. Unless otherwise specified, the content of this web site including, but not limited to, text, graphics, logos, buttons, images, data compilations, icons, and code, is the property of ING DIRECT and/or its affiliates, and is protected by United States and international copyright laws. Trademarks Belonging to ING DIRECT and Others ING DIRECT is a trademark of ING Groep N.V. Orange CD, Orange Mortgage, Orange Savings Account, Orange Home Equity, Orange Investment Account, Electric Orange, Planet Orange, and Simply Orange are trademarks of ING DIRECT Bancorp. Unauthorized use of any logos and/or name or trade names belonging to ING DIRECT Bancorp or any of its affiliates or subsidiaries is prohibited. Certain graphics, logos, icons, designs, words, titles or phrases contained in this web site may constitute trade names, trademarks or service marks of ING DIRECT or others. Trademarks may be registered in the United States and in other countries as applicable. The display of trademarks on the pages of this web site does not imply that a license of any kind has been granted unless expressly stated herein. Any unauthorized downloading, re-transmission or other copying or modification of trademarks and/or the contents herein may be a violation of law, and could subject the copier to legal action. Peet's Coffee & Tea and Peets.com are trademarks of Peet's Coffee & Tea. TrueCredit is a trade name of TrueLink, Inc. Experian and experian.com are either trademarks or registered trademarks of Experian Information Solutions, Inc. or its affiliates. TransUnion and transunion.com are trademarks of TransUnion. Equifax and Equifax.com are trademarks of Equifax Inc. and its affiliated companies. Microsoft Money, Microsoft Windows, and/or other Microsoft products are either trademarks or registered trademarks of Microsoft Corp. Adobe, the Adobe logo, Adobe Reader and the Adobe Reader Logo are either trademarks or registered trademarks of Adobe Systems Incorporated. Quicken and Quicken.com are registered trademarks and/or registered service marks of Intuit Inc., or one of its subsidiaries, in the United States and other countries. All other registered and unregistered trademarks are the property of their respective owners. Governing Law, Jurisdiction, Waiver of Jury Trial These Terms and Conditions constitute a contract made under and governed by and construed in accordance with the laws of the State of Delaware. You agree that the federal court of the District of Delaware, if it has subject matter jurisdiction, will have exclusive jurisdiction to hear and determine any claims or disputes between you and ING DIRECT (and/or its members, managers, officers, employees, agents and the assigns of same), pertaining directly or indirectly to these Terms and Conditions, or to any matter arising from these Terms and Conditions, or any other document executed and delivered in connection with these Terms and Conditions, the use of www.ingdirect.com or the online services offered by ING DIRECT. If the federal court lacks subject matter jurisdiction, any state court located in New Castle County, Delaware, will have exclusive jurisdiction to hear and determine such claims or disputes. To the fullest extent permitted by applicable state and federal law, you and we each agree to waive the constitutional right to a trial before a jury. All disputes and controversies and claims arising out of the use of this web site will be resolved either through arbitration or in the courts. Disclaimer of Warranties THIS WEB SITE IS PROVIDED BY ING DIRECT ON AN "AS IS" AND "AS AVAILABLE" BASIS. ING DIRECT MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEB SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS WEB SITE. ING DIRECT DOES NOT GUARANTEE OR WARRANT THE ACCURACY OF INFORMATION CONTAINED ON THIS WEB SITE OR THAT ACCESS TO THIS WEB SITE WILL BE UNINTERRUPTED. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, ING DIRECT DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Telephone Call Monitoring and Recording Authorized employees or agents of ING DIRECT may monitor and record all or portions of your telephone calls to ING DIRECT for quality control, Customer service, employee training, security, and other lawful purposes. Your consent will be ongoing and need not be confirmed prior to, or during such monitoring or recording, except to the extent applicable law expressly requires otherwise. Liability and Restricted Access to ING DIRECT ING DIRECT is not liable for any direct, indirect or consequential loss, damage or inconvenience arising out of your use of this web site. ING DIRECT reserves the right to cancel or restrict your access to this web site without notice to you. ING DIRECT is not responsible for damages suffered by you or any inconvenience caused directly or indirectly by our termination of your access to this web site. Equal Credit Opportunity Act Notice THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT PROHIBITS CREDITORS FROM DISCRIMINATING AGAINST CREDIT APPLICANTS ON THE BASIS OF RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, MARITAL STATUS, AGE (PROVIDED THAT THE APPLICANT HAS THE CAPACITY TO ENTER INTO A BINDING CONTRACT); BECAUSE ALL OR PART OF THE APPLICANT'S INCOME DERIVES FROM ANY PUBLIC ASSISTANCE PROGRAM; OR BECAUSE THE APPLICANT HAS IN GOOD FAITH EXERCISED ANY RIGHT UNDER THE CONSUMER CREDIT PROTECTION ACT. THE FEDERAL AGENCY THAT ADMINISTERS COMPLIANCE WITH THIS LAW CONCERNING THIS CREDITOR IS: Office of Thrift Supervision Consumer Response Unit 1700 G Street, N.W. Washington, DC 20552 Questions? If you have any questions, or would like additional information, you may contact ING DIRECT by email at sales@ingdirect.com, by telephone at 1-888-ING-0727 (1-888-464-0727) or write to Sales Support at 1 South Orange Street, Wilmington, Delaware, 19801.
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