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Terms & Conditions

Dogwood State Bank Terms and Conditions

Welcome to the Dogwood State Bank website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Dogwood State Bank's relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website. The term “Dogwood State Bank”, “DSB”, “us”, “we” or “our” refers to the owner of the website whose registered office is 5401 Six Forks Road, Raleigh, North Carolina 27609. The term “you” refers to the user or viewer of our website.


Please review our Privacy Policy, which also governs your visit to our website, to understand our practices.

Electronic Communications

When you visit the Dogwood State Bank website or contact us via email, you consent to receive communications from us electronically. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.


All content on this site, including but not limited to text, graphics, logos, all digital and audio content, and software, is the property of Dogwood State Bank or its content suppliers. The compilation of all content on this site is the exclusive property of Dogwood State Bank, with copyright authorship for this collection by Dogwood State Bank and protected by international copyright laws.


Dogwood State Bank’s trademarks and trade dress may not be used in connection with any product or service that is not Dogwood State Banks, in any manner that is likely to cause confusion among customers, disparages and/or discredits Dogwood State Bank. All other trademarks not owned by Dogwood State Bank or its subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Dogwood State Bank or its subsidiaries.

License and Site Access

Dogwood State Bank grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Dogwood State Bank. This license does not include any resale or commercial use of this site or its contents: any collection and use of any product listings, descriptions, or prices: any derivative use of this site or its contents, any downloading or copying of account information for the benefit of another entity, or any use of data mining, robots, or similar data gathering and extraction tools.

This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Dogwood State Bank. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Dogwood State Bank and our divisions without express written consent. You may not use any meta tags or any other "hidden text" utilizing Dogwood State Banks name or trademarks without the express written consent. Any unauthorized use terminates the permission or license granted by Dogwood State Bank. You may not use any Dogwood State Bank or its divisions’ logo or other proprietary graphic or trademark without express written permission.

Your Account

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. If you are under 18, you may use our website only with involvement of a parent or guardian. Dogwood State Bank and its divisions reserve the right to refuse service, terminate accounts, remove or edit content, at their sole discretion.

Product Descriptions

Dogwood State Bank, our Officers, Directors, Employees, Agents, Affiliates, Third-Party Content Providers attempt to be as accurate as possible. However, Dogwood State Bank does not warrant that product descriptions or other content of this site is accurate, complete, reliable, current, or error-free.

Disclaimer of warranties and limitation of liability this site is provided by Dogwood State Bank on an "as is" and "as available" basis. Dogwood State Bank makes no representations or warranties of any kind, expressed or implied, as to the operation of this site or the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk. To the full extent permissible by applicable law, Dogwood State Bank disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

Dogwood State Bank does not warrant that this site, its servers, or e-mail sent from Dogwood State Bank are free of viruses or other harmful components. Dogwood State Bank will not be liable for any damages of any kind arising from the use of this site, including, but not limited to direct, indirect, incidental, punitive, and consequential damages.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

Applicable Law

By visiting Dogwood State Bank, you agree that the laws of the state of North Carolina, United States of America, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Dogwood State Bank or its divisions.


Any dispute relating in any way to your visit to Dogwood State Bank or to products you purchase through Dogwood State Bank shall be submitted to confidential arbitration in North Carolina, United State of America, except that, to the extent you have in any manner violated or threatened to violate Dogwood State Bank's intellectual property rights, Dogwood State Bank may seek injunctive or other appropriate relief in any state or federal court in the state of North Carolina, United States of America and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

Site Policies, Modification, and Severability

Dogwood State Bank reserves the right to make changes to our site, policies, and these Conditions of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.


Contact Us with questions regarding our Conditions of Usage, Privacy Policy, or other policy related material.