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Important Notice

Please read these terms and conditions carefully. By accessing and using this Web site, you agree to be bound by the terms and conditions that follow. If you do not agree to the terms and conditions below, do not access this Web site. References to Saratoga National Bank and Trust Company include Saratoga National Bank and Trust Company and all of its affiliated companies.

No Warranties

The information and materials contained as part of this site are provided on an “as is” and “as available” basis. Saratoga National Bank and Trust Company does not warrant the accuracy, adequacy or completeness of this information and materials, and it expressly disclaims liability for errors or omissions in this information and materials due to circumstances beyond its control.

Limitation of Liability

In no event shall Saratoga National Bank and Trust Company be liable for any damages (including without limitation any direct, indirect, special, incidental, or consequential damages), losses or expenses arising in connection with the Web site, the use of the Web site, or the inability of anyone to use the Web site. Saratoga National Bank and Trust Company shall also not be liable for any damages, losses or expenses that arise in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, or computer or system failure. Saratoga National Bank and Trust Company shall not be liable for such damages, losses or expenses even though it or its representatives are advised of the possibility of such damages, losses or expenses.


Hyperlinks to other Internet resources are to be used by you at your own risk. The content, accuracy, opinions expressed, and other links provided by these resources may not be investigated, verified or monitored by Saratoga National Bank and Trust Company, and such links are not endorsed by Saratoga National Bank and Trust Company unless otherwise specifically stated.

Products and Services

This Web site, and the products and services that are described or offered through this Web site, can be amended in whole or in part or terminated at any time. Users of the Web site shall have no right to expect the continuation of any part of the Web site nor any products and services that are described or offered though the Web site. Your eligibility for particular products and services is subject to final determination and acceptance by Saratoga National Bank and Trust Company.

Online Privacy Practices

By using this website or Glens Falls National Bank and Trust Company’s other online services you are agreeing to our Online Privacy Practices and providing consent for our use and disclosure of information about you in the manner described in these practices and in accordance with your Personal Banking Privacy Notice.

When you visit this Site or use our online services, we automatically collect and store information about your visit such as:

Location Information - We may collect information about your location when you access or use our services.

Navigation Information - When you access our services, we may collect navigational information, such as browser type and version, service-provider identification, IP address, the site or online service from which you came, and the site or online service to which you navigate.

Device Information - We collect information about the computer or mobile device used to access our services, such as the hardware model, operating system, and website or app usage behavior.

We may use common tracking tools to collect the information described above. These tracking tools may include:

Cookies - A cookie is a small piece of data that is sent by a website and stored on your browser. It remembers you and your online activities when you return.

Web Beacons - A web beacon is a nearly invisible image on a web page or email message which tracks who visits the web page and whether an email was received.

Your browser may enable you to block or (in the case of cookies) delete some of the means by which we automatically collect information when you visit the Site. You should refer to your browser about what options might be available to you.

We use the information we collect to improve this Site's content and to help us understand how people are using this Site. This information is collected for statistical analysis, to determine what information is of most and least interest to our visitors, to identify system performance or problem areas, and to offer advertisements that may be of interest to visitors to the Site. We do not sell or distribute the information collected from this Site to third parties for their commercial marketing purposes.

We or our advertising service providers may use information about your activities on the Site and/or Third Party Sites (such as the pages that you visit and the key words that you use to search for content) to help determine what advertisements or offers might be of interest to you. These advertisements may be on the Site or on Third Party Sites.

We may share the personally-identifiable information that you provide to us or that we receive from our business partners and/or service providers with our service providers. For example, we share your email address with service providers who send emails on our behalf. We may also share non-personally-identifiable information with third parties who perform advertising services on our behalf and with companies that operate or analyze the Site. We do not authorize these third parties to use or disclose the information that we share with them except as necessary to perform services for us or to comply with law. These third parties may not use the information that we provide to them to independently market to you unless you consent.


All information submitted by you via this Web site may be used by Saratoga National Bank and Trust Company in any manner that complies with the applicable laws and regulations and the policies of Saratoga National Bank and Trust Company.


Saratoga National Bank and Trust Company or a third party vendor own the copyright to the pages and the screens displaying the pages that appear on this Web site.

Trademarks and Service Marks

Saratoga National Bank and Trust Company or a third party vendor own the claim trademark and service mark rights in marks contained in the pages.

No Waiver

No waiver of any of the foregoing terms and conditions shall be effective unless it is in writing and signed by an authorized officer of Saratoga National Bank and Trust Company, and no waiver shall deem to imply or constitute a continuing waiver or that of any other term or condition

Governing Law

These terms and conditions are governed by Federal laws and regulations and those of the State of New York.

Subsequent Changes

Terms and conditions posted here are subject to change at Saratoga National Bank and Trust Company’s discretion.