Photo Submission Terms & Conditions

Guidelines for Images/Photos

Photo submissions may be made to us at decorahbank.com.
Here are guidelines to consider when submitting your original photographic images (“Images”) to us:

  • Every image must be your original work and taken in the Driftless area
  • We accept images in digital form only
  • For our purposes, horizontal photos work better than vertical ones
  • Your photo can represent the area literally or metaphorically
  • Color or black and white photography accepted.

The images we select for publication and use are at our sole discretion. Decorah Bank & Trust will not knowingly use or publish the following:

  • Images depicting persons that are identifiable
  • Images depicting other financial institutions
  • Images in which the copyright is owned by a person other than you
  • Images that contain elements that are unlawful or that we may not lawfully use or publish
  • Images that contain your name or nickname, any other symbol or device that identifies you or your company to others, or a copyright legend
  • Images that contain personally identifiable information such as, but not limited to, email addresses, URLs, phone numbers, physical addresses or other forms of contact information
  • Digital image files that contain anti-copying or tracking devices

Decorah Bank & Trust may remove Images from our websites and archives or otherwise cease use of Images in our sole discretion. You should therefore maintain your own copy of your Images.

You must verify that you are 18 years old or older, or else we must receive your parent or guardian’s consent to participate in this program.

Terms Governing Your Submission of Images

You may use www.decorahbank.com (the “Website”) to submit Images to Decorah Bank & Trust (“we”, “us”, “the bank”). By accessing this website or by submitting to us your Images, you agree to the following terms:

The Website is provided by the bank. By using the Website, you consent to our privacy policy. To the extent of any conflict between our Privacy Policy and these terms, these terms shall control. If you have questions or comments about the Website or our Privacy Policy, please contact us at info@decorahbank.com. We retain the right, at our discretion, to modify these terms or our Privacy Policy in the future. Your continued access to our Website or your further submission of Images to us constitutes your acceptance of all modified terms.

User Information
To submit Images via this Website, you’re required to complete the information we require for submission (“User Information”).

License to Us
This license includes the right for the Bank to make the Image available for download and
non-commercial use to the public. When using or publishing the Image, the Bank may insert its name, brand, logo, advertisement or other message or artwork onto the Image.

You grant us, without any compensation of any kind, the exclusive right and license to use, copy, distribute, display, publish, perform, sell, sublicense, modify, edit, adapt, translate, transmit, create derivative works from, and otherwise exploit all Images and all User Information associated therewith in any form, medium or technology that we elect, whether now or in the future. Without limiting the foregoing, you agree that, without further approval from you, we may exercise the rights you grant us herein for any and all purposes we deem appropriate, including, without limitation, for the promotion, marketing and publicizing of our services and products. We may, for example, use and publish the images on our Website or third party websites, in our print, broadcast and digital advertisements, in our marketing materials, and in connection with our promotional events. The right and license you grant us is perpetual, irrevocable, exclusive, royalty-free, unrestricted, worldwide, and transferable without your further consent. You understand and agree that we have the option, but not the obligation, to use the Images you submit to us, and that if we exercise our license rights, we may also use your User Information in conjunction with such Images.

Your Submission of Images and User Information
By submitting Images or User Information to us, you further agree that:

  1. We may moderate the Website, review the Images and User Information, and decide in our sole discretion whether to display or otherwise use your Images.
  2. We may edit your Images and User Information in our sole discretion for suitability, brevity, clarity, grammar, compliance with our rules and any other purpose we deem appropriate.
  3. You are solely responsible for your Images and User Information and the consequences of submitting them to us and our use thereof as permitted by these terms.
  4. You affirm, represent and warrant to us:
    1. that you are at least 18 years old (or if you are under 18 years of age, we must receive your parent or guardian’s consent to participate in this program);
    2. the User Information you provide to us is true and accurate;
    3. you haven’t impersonated any person or falsely stated or misrepresented your affiliation with a person or entity;
    4. you own or have all necessary licenses, rights, consents and permissions to use and submit to us the Images and User Information and to authorize us to use the Images and User Information as expressed in these terms;
    5. your agreement to these terms does not in any way conflict with any existing legal agreement or commitment on your part to any third party; and
    6. your Images and User Information do not embody, reflect or reveal any confidential information and that we are not obligated to treat them as confidential.
  5. You will not submit Images or User Information that:
    1. is false, misleading or inaccurate;
    2. is not appropriate for a public form (e.g., it is defamatory, hateful, harassing, derogatory, demeaning, threatening, abusive, pornographic, racially or religiously biased or otherwise offensive or objectionable);
    3. depicts images of people or anything that contains personally identifiable information;
    4. infringes or otherwise violates the rights of any third party, including without limitation any copyright, trademark, service mark, privacy rights, publicity rights or other intellectual property or proprietary rights;
    5. violates any law, statute, ordinance or regulation;
    6. includes any information that references other websites, addresses, email addresses, contact information or phone numbers; or
    7. contains any anti-copying devices, tracking devices, computer viruses, worms or other potentially damaging computer programs or files.

Your Submission of Your Email Address
You agree that we may use your email address to contact you about your Images and for other administrative purposes related to the Website and your obligations and our rights set forth in these terms. Otherwise, your email address will be protected by our Privacy Policy.

Copyright Infringement Policy

We respect the copyrighted property of others. If you believe that any Images on the Website infringe your rights, please contact us immediately to report the possible infringement. When contacting us about possible infringement, the notice of claimed infringement must include:

  1. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
  2. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works at that site.
  3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the bank to locate the material.
  4. Information reasonably sufficient to permit the bank to contact the complaining party, such as an address, telephone number, and, if available, an e-mail address at which the complaining party may be contacted.
  5. A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
  6. A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

You may contact us by mail, telephone or email using the following contact information:

Decorah Bank & Trust Co.
Attention: Katrina Allen-Brickley, Marketing Manager
202 East Water Street
Decorah, IA 52101
563.382.9661
marketing@decorahbank.com

If you contact us by telephone to notify us of a potential infringing photograph, we may require you to submit your notice in writing according to the terms described above.

We respond expeditiously to all claims of copyright infringement. If the bank becomes aware that a person who has submitted Images to the Driftless Area Photo Submission is a repeat copyright infringer, it is the bank’s policy to take reasonable steps to terminate that person’s access to the Driftless Area Photo Submission.

Ownership of Copyright
The Website contains material that is owned by or licensed to us. You may not copy, reproduce, download, upload, post, distribute, republish, retransmit, perform or modify in any way any of the material on this Website, including, without limitation, any images or written material without our prior written permission. All rights and licenses not expressly granted to you in these terms are reserved to us.

Exclusion of Liability
YOUR USE OF THIS WEBSITE IS “AS IS.” WE MAKE NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, ABOUT THIS WEBSITE OR THE MATERIAL OR CONTENT CONTAINED OR REFERRED TO ON IT. WE ARE NOT LIABLE TO YOU OR ANY THIRD PARTY IN ANY WAY FOR YOUR USE OF THIS WEBSITE OR THE MATERIAL CONTAINED OR REFERRED TO ON IT. we cannot and do not warrant that all data transfers via this Service will be free from monitoring or access by others. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE OR THE MATERIAL CONTAINED OR REFERRED TO ON IT ARE ERROR-FREE, OR THAT ERRORS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER FROM WHICH IT IS RUN IS FREE OF VIRUSES, MALWARE OR OTHER POTENTIALLY HARMFUL CODE. UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, SHALL WE OR ANY OF OUR AFFILIATED COMPANIES OR AFFILIATED INDIVIDUALS, OR OUR LICENSEES OR THEIR AFFILIATED PERSONS, BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR EXPENSES OF ANY KIND (INCLUDING WITHOUT LIMITATION LOST PROFITS OR attorneys fees, EVEN IF ADVISED OF THE POSSIBILITY THEREOF, DAMAGES ARISING FROM LOST DATA, COMPUTER VIRUSES, DELETION OF FILES, BUSINESS INTERRUPTION OR PERSONAL INJURY OR HEALTH PROBLEMS) ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF OUR WEBSITE OR THE MATERIAL OR CONTENT CONTAINED OR REFERRED TO ON IT, OR FOR ANY INFORMATION OBTAINED THROUGH OUR WEBSITE OR US, WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFED WITH ANY MATERIAL OR CONTENT ON THIS WEBSITE, OR WITHIN ANY OF THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS WEBSITE. WE RESERVE THE RIGHT TO CHANGE OR DISCONTINUE AT ANY TIME ANY ASPECT OR FEATURE OF THIS WEBSITE. THE FOREGOING SHALL CONSTITUTE Decorah Bank AND ITS SERVICE PROVIDER’S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY.  The above limitation may not apply to you because some jurisdictions do not permit the exclusion or limitation of liability for consequential or incidental damages.

Indemnity
You agree to defend, indemnify and hold us harmless from any and all claims, suits, allegations, liabilities, damages, penalties, fines, costs and expenses, including reasonable attorneys’ fees, related to or arising out of any actual or alleged violation of these terms. We will provide notice to you of any such claim, suit or proceeding at the email address that you submit to us with your Images and shall reasonably cooperate with you, at your expense, in your defense of any such claim, suit or proceeding.

Termination
We may terminate or limit your right to access and use the Website at any time without notice. However, such termination shall only apply to your right to access and use the Website and shall not in any other way terminate or limit any other provision of these terms, all of which shall survive such termination of your right to access and use the Website.

Miscellaneous
These terms, along with our Privacy Policy and any additional rules or conditions referred to herein or on the Website, constitute the entire agreement and understanding between you and us as to your use of the Website, your submission of Images and User Information and our use of Images and User Information as set out in these terms. Any and all prior or contemporaneous communications and/or proposals are superseded. These terms are severable, and in the event any provision is determined to be invalid or unenforceable, such invalidity or unenforceability shall not in any way affect the validity or enforceability of the remaining provisions, which shall remain in full force and effect. A printed version of these terms shall be admissible in judicial or administrative proceedings based upon or relating to use of our Website or submission of Images or User Information to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Jurisdiction
These terms shall be governed by the laws of the State of Iowa without giving effect to its conflicts of law principles, and venue shall be in the state or federal courts located in Winneshiek County, Iowa.

These terms were last updated on or about December 2, 2015.