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Terms & Conditions

These constitute the Terms and Conditions (the “Terms”) of this website and any pages thereof, including without limitation, all content, services, information, and any portions contained on this website and any pages thereof (collectively, the “Site”).  As used in these Terms, “we,” “our,” and “us” refers to First Republic Bank and its subsidiaries (collectively, “First Republic”), and the Terms and any rights provided for herein also inure to the benefit of the subsidiaries and affiliates of First Republic Bank.  PLEASE READ THESE TERMS CAREFULLY.  THESE TERMS ARE A LEGAL AGREEMENT.  BY ACCESSING THE SITE, YOU ACKNOWLEDGE, AGREE AND ACCEPT TO BE BOUND BY THE TERMS.  IF YOU DO NOT AGREE TO THE TERMS, YOU MUST NOT ACCESS THE SITE.  

1. Client/Customer Service and Confidentiality

As always, we pride ourselves on providing excellent customer service. Please note, however, that the Site is not a substitute channel for services, products or general questions. If you are a client and need assistance with any of your accounts or our products and services, please contact our Customer Care Center at 1-888-408-0288, Mon Fri 5 AM – 9PM, Sat 6 AM – 8 PM, Sun 7 AM – 5 PM Pacific Time, and we will be happy to assist you. If you contact us regarding any customer service related matters via the Site we may divert you to other First Republic channels to assist you as quickly and efficiently as possible.
 
Please remember that the Site is public and anyone can see your comments, posts and other content. As such, never disclose account or other financial information or any personal information through the Site. Privacy and confidentiality of our clients is of the utmost importance to First Republic. We will never ask for your account information, social security number, or any other personal or sensitive information from you through the Site.

2. Copyright and Trademark Notices and Intellectual Property Rights of First Republic

The content and works of authorship contained in the Site, including but not limited to all design, text, sound recordings, images and video, are owned, except as otherwise expressly stated, by First Republic. You should assume that everything on the Site is copyrighted, unless otherwise noted.

“First Republic,” “First Republic Bank,” “First Republic Bancorp Inc.,” “It’s a privilege to serve you” and the First Republic logo are trademarks of First Republic Bank. First Republic Bank and its subsidiaries also claim rights in certain other trademarks and service marks contained in the Site.  Other featured words or symbols on the Site, used to identify the source of goods and services, may be trademarks of their respective owners. 

The copyrights, trademarks, logos, and service marks displayed on the Site are registered and unregistered copyrights, trademarks, logos and service marks of First Republic and others. Except as otherwise expressly stated herein, copyrighted, trademarked materials or other intellectual property of First Republic (including without limitation, images of people are places) may not be used, copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use, removed, reverse engineered, modified or otherwise used in whole or in part in any manner without First Republic’s prior written consent, except to the extent permitted by applicable law, and then, only with notices of First Republic’s proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded. Please be advised that any violation of such copyright, trademark or other intellectual property rights or any privacy or communication laws is your sole responsibility. First Republic will aggressively enforce its intellectual property rights to the fullest extent of the law, including without limitation, the seeking of criminal prosecution.

3. Web Content and Materials

The information and materials contained in the Site are for information purposes only. Use of the Site is at your sole risk. We use reasonable efforts to include reliable information and materials, but First Republic makes NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY, COMPLETENESS AND TIMELINESS OF SUCH INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS ANY LIABILITY FOR ANY ERRORS OR OMISSION CONTAINED IN THE SITE. 

Neither First Republic Bank nor any other party involved in creating, producing, or delivering the Site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of access to, or use of, the Site. Without limiting the foregoing, everything on the Site is provided “AS IS,” “AS AVAILABLE” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.  FURTHERMORE, FIRST REPUBLIC WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN THE SITE, ANY INCOMPATIBILITY BETWEEN THE SITE AND YOUR FILES AND YOUR BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY YOU DUE TO YOUR ACCESS TO, USE OF, OR BROWSING OF THE SITE OR DOWNLOADING OF ANY INFORMATION OR MATERIALS.

UNDER NO CIRCUMSTANCES WILL FIRST REPUBLIC BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OR INABILITY TO USE THE SITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER FIRST REPUBLIC HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, STRICT LIABILITY OR OTHERWISE.

The information and materials contained in this Site are subject to change without notice.  First Republic may discontinue or make changes in the information, materials, services or products which may be described or provided for on the Site at any time without prior notice to you and without any liability to you.  Any dated information is published as of its date only, and First Republic does not undertake any obligation or responsibility to update or amend any such information.  In the event there is deemed to be any information on the Site regarding services and products, such services and products described, as well as any, associated fees, charges, interest rates, and balance requirements may differ among geographic locations.  Please note that not all services and products are offered at all locations and your eligibility for particular services and services is subject to final determination by First Republic. 

4. Content Guidelines Pertaining to Information Submitted to First Republic

Content submitted to the Site is subject to the approval of First Republic based on these Terms as well as all other applicable First Republic's policies. We encourage and expect posts and comments to be polite and respectful and consistent with these Terms. You agree that you will not submit, upload, transmit or otherwise make available any content, comments or posts that we deem to be objectionable, including without limitation, the following:

a) unlawful, profane, stalking, harmful, threatening, abusive, attacking, discriminatory, hateful, harassing, tortuous, denigrating, vulgar, obscene, pornographic, libelous, invasive of another's privacy, false information, rumors, inflammatory, discriminatory or otherwise objectionable or unrelated;

b) any content or otherwise participating in any activity that is prohibited by law in any applicable jurisdiction, including laws governing the encryption of software, data privacy or protection, the export of technology, the transmission of obscenity, copyright law, or the permissible uses of intellectual property;

c) files that contain video, images, software, or other material protected by intellectual property or right of privacy / publicity laws, including, by way of example, copyright or trademark laws, unless you own or control the rights thereto or have received all necessary consents to submit such materials to this page;

d) trade secrets, or confidential or non-public information about publicly-traded securities or other financial instruments;

e) any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);

f) any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation or any self-promotion; and/or

g) any material that contains software viruses, Trojan horses, worms, time bombs, corrupted files, or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment, or that may damage or interfere with the operation of another's computer or property of another.

You further agree that you will not:

a) attempt to gain unauthorized access to any accounts, computer systems or networks, through hacking, phishing, password mining or any other means;

b) impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with a person or entity, collect or store personal data about other users in connection with the prohibited conduct and activities;

c) violate, intentionally or unintentionally, any applicable local, state, national or international law, these Terms, or the Site's policies and procedures;

d) provide material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s) designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act;

e) use any material or information in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party;

f) forge headers or otherwise manipulating identifiers (including URLs) in order to disguise the origin of any materials, or deleting or altering any attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other uploaded material; and/or

g) collect personal information about others, including e-mail addresses or other personal information.

We encourage and hope that anyone using the Site to remain on topic and relevant. While we always welcome ideas and ways that we might improve our customer experience as well as the Site, we may delete off-topic or irrelevant negative comments that do not add to the Site experience. First Republic is under no obligation to post or use any content submitted by you or anyone else and we reserve the right to refuse to post and/or remove any user content, including without limitation, the right to refuse to post or to remove the above-referenced objectionable content, comments or posts and any other content, comments or posts that we deem to be objectionable. 

You shall indemnify, defend, and hold harmless First Republic, and its officers, employees and agents, from any and all losses, injuries, liabilities, damages, fines, penalties, costs and expenses including reasonable attorneys' fees, resulting from claims made by any third party due to or arising out of your acts or omissions, including claims arising out of your use of the Site, your submissions, postings, or transmission on the Site, your violation of any policies or rules governing the Site, or your violation of any rights of another.

First Republic has no responsibility or liability for the deletion or failure to store any data or other content maintained or transmitted by others on the Site. However, First Republic may, in its sole discretion, preserve content and may disclose it, especially in the event it is required to do so by law or judicial or governmental mandate or as determined by us to protect the rights, property or personal safety of the public.

5. Intellectual Property Rights of Information Submitted to First Republic

Any communication or material the viewer transmits to the Site by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as, non-confidential and non-proprietary.  You acknowledge and agree that by submitting any content to the Site that you warrant and represent that you are the owner of the content or otherwise have the right to use the content, including any and all intellectual property interests, in such manner. Please note that by posting such content (including without limitation comments, posts, images, photos, videos, ideas, text, artwork, ideas, concepts, know-how and techniques) you are granting us a non-exclusive, transferable, irrevocable, sub-licensable, royalty-free, worldwide license to use and display any content provided by you, and to permit others to use and display, for any purpose, any such content, and any ideas, concepts, know-how and techniques contained in such content.

6. Links

This Site may contain links to websites and webpages controlled, maintained or offered by third parties not owned by, or affiliated with, First Republic.  First Republic has no control over the content of such non-First Republic website and webpages.  Nothing herein shall be deemed to create an agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship of any kind between you and First Republic or any other person or entity.

FIRST REPUBLIC HEREBY DISCLAIMS ANY AND ALL LIABILITY FOR, ANY INFORMATION, MATERIALS, SERVICES OR PRODUCTS POSTED OR OFFERED AT ANY OF THE THIRD-PARTY WEBPAGE OR WEBSITE LINKED TO THIS SITE.  BY CREATING A LINK TO A THIRD-PARTY WEBPAGE OR WEBSITE, FIRST REPUBLIC DOES NOT ENDORSE OR RECOMMEND ANY SERVICES OR PRODUCTS OFFERED OR INFORMATION OR MATERIALS CONTAINED IN SUCH WEBPAGE OR WEBSITE, NOR IS FIRST REPUBLIC LIABLE FOR ANY INFORMATION OR MATERIALS CONTAINED IN SUCH WEBPAGE OR WEBSITE, ANY FAILURE OF SUCH SERVICES OR PRODUCTS OFFERED OR ADVERSTISED ON SUCH WEBPAGE OR WEBSITE, NOR DOES FIRST REPUBLIC WARRANT THAT SUCH WEBPAGE OR WEBSITE IS FREE FROM ANY CLAIMS OF INFRINGEMENT OR DEVOID OF VIRUSES OR OTHER CONTAMINATION.  SUCH THIRD-PARTY WEBPAGE OR WEBSITE MAY PROVIDE LESS SECURITY THAN FIRST REPUBLIC’S WEBPAGES OR WEBSITES AND FIRST REPUBLIC IS NOT LIABLE FOR THE PRIVACY OR SECURITY PROVIDED FOR ON SUCH THIRD-PARTY WEBPAGE OR WEBSITE.

7. Limitation of Access

First Republic may shut down this Site, or limit or deny access to all or part of the Site or the Site may from time to time be unavailable, delayed or slowed at any time, for any reason, without notice, and without liability to you.   

8. Other Agreements

The Terms do not nullify, and are in addition to, any other terms and conditions contained in other agreement(s) between you and First Republic, including without limitation, any agreement regarding your use of any webpages, websites or social media sites maintained by First Republic.  In the event of a conflict, the additional terms and conditions will govern those sections or pages.  In addition, certain portions or pages of this Site or other webpages, websites or social media sites are subject to additional disclosures and disclaimers.  In the event of conflict between those disclosures and disclaimers, and these Terms, the additional disclosures and disclaimers will govern for those portions, pages or sites.  Termination or modification of these Terms will not affect, or result in the termination or modification of, any such other agreements or disclaimers. 

Without limiting anything else contained in the Terms but for clarification, all terms and conditions for any financial services or products are provided in separate agreements between you and First Republic, including without limitation, those terms and conditions governing any and all warranties, representations, indemnities, or limitations of liability related to financial services or products.

9. Governing Law

Your relationship with First Republic with respect to these Terms shall be governed by the laws of the State of California without regard to its conflict of law provisions. This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.  In the event there is deemed to be any information on the Site regarding services and products then such information is applicable only in jurisdictions where such services and products may lawfully be offered for sale and is void where prohibited by law. If you access the Site from outside of the United States, you are responsible for compliance with local, national, and international laws.

10. Severability

If any term or provision of these Terms is held unenforceable, the validity or enforceability of the remaining terms and provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable term or provision.

11. Amendments

We reserve the right to revise, update or modify these Terms or other policies at any time and without prior notice, by posting the revisions on this Site. You are bound by any such revisions at the time of such posting and you should therefore periodically visit this page to review the current Terms. Your simultaneous or subsequent use of this Site constitutes your agreement to bound by the revised Terms.

12. Privacy

The protection of your privacy and security is important to First Republic. Please review our Privacy Policy.

13. Compliance Disclaimers

Deposit and loan products are offered by First Republic Bank, Member FDIC and Equal Housing Lender.

First Republic Private Wealth Management includes First Republic Trust Company, a division of the Bank; First Republic Trust Company of Delaware LLC; First Republic Investment Management, Inc., an SEC Registered Investment Advisor; and First Republic Securities Company, LLC, Member FINRA/SIPC.

Investment and advisory products and services are Not FDIC Insured or insured by any other entity, not guaranteed, and may lose value.

The information and materials on the Site are not intended as an offer or solicitation for the purchase of stock, any other security or any financial instrument of First Republic or any other issuer or company.  No content or comments made by First Republic, its employees, agents or any other user should be understood or used as the basis for any investment or financial decision, nor should they be construed as advice, endorsements or recommendations. 

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