Revised May 28, 2026
These Website Terms and Conditions (“Terms”) Set forth a binding agreement between you and Cathay Bank and its affiliates (“Cathay Bank,” “we,” “our,” or “us”). These Terms govern your use of our website (the “Site”), our mobile application (the “App”) and other online resources (collectively, the “Services”).
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THE SERVICES AND ANY OF ITS PAGES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THE SERVICES, OR ANY PAGES THEREOF.
These Terms may change over time, in which case we will post the modified Terms on this page and change the Revised date. Your continued use of the Services following a change to these Terms signals your acceptance of the modification(s). In some instances, both these Terms and separate terms setting forth additional conditions may apply to a service or product offered via the Services (“Additional Terms”). To the extent there is a conflict between these Terms and any Additional Terms, the Additional Terms will control unless the Additional Terms expressly state otherwise.
PLEASE NOTE THAT THESE TERMS CONTAIN A WAIVER OF YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE LAWSUIT. FOR MORE INFORMATION, PLEASE SEE THE “DISPUTE RESOLUTION & CLASS ACTION WAIVER” SECTION.
The information and materials contained in these pages, and the terms, conditions and descriptions that appear, are subject to change. Unauthorized use of Cathay Bank's websites and systems including but not limited to unauthorized entry into Cathay Bank's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited.
Information and materials published by Cathay Bank as part of this Site or the Services are published in the United States and are intended for persons in the United States. This Site and the Services 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. Not all products and services are available in all geographic areas. Eligibility for certain products is subject to final determination and acceptance by Cathay Bank or its affiliates. The information, descriptions, and terms and conditions contained in these pages are subject to change. Calculators or planning tools are provided for informational purposes only and are not intended to provide specific legal, accounting, financial, or tax advice for any person and should not be relied upon in that manner.
Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are:
• Not FDIC/NCUSIF insured
• May lose value
• Not financial institution guaranteed
• Not a deposit
• Not insured by any federal government agency.
Cetera Investment Services registered office: 825 East Valley Blvd., 2ND FL., San Gabriel CA 91776. Tel: 1-877-722-8429.
Foreign currency deposit accounts are subject to exchange risk. Exchange risk occurs when a foreign currency weakens or strengthens in comparison with the U.S. Dollar. The foreign exchange market is inherently volatile and foreign currencies are subject to wide fluctuations in value relative to the U.S. Dollar. The value of the foreign currency in an account relative to the U.S. Dollar at the time of the initial deposit into the account is not necessarily and probably will not be the same as at any other time after such when the account is opened. If all or any portion of the foreign currency in an account is exchanged for U.S. Dollars, a corresponding gain or loss in the exchange may result due to fluctuations in the foreign currency market.
FDIC insurance for deposits denominated in a foreign currency shall be determined and paid in the amount of U.S. Dollars that is equivalent in value to the amount of the deposit denominated in that foreign currency as of the close of business on the date of default of the insured depository institution, up to the amount from time to time established by law. FDIC insurance does not protect you from foreign exchange risk.
Certain areas or features of the Services may require you to register for an online account with a user ID and/or password (“Account”). Your user ID, password, and any information that you provide in connection with your Account must remain accurate and complete at all times. You agree to: (a) notify us immediately if you become aware of any unauthorized use of your Account, any breach in the confidentiality of your Account, or any breach or attempted breach of security involving the Services; and (b) not access or attempt to access any non-public areas of the Services. You hereby grant to Cathay Bank the right to monitor and access your Account for the purpose of providing you with the Services. Subject to applicable laws, we have the right to suspend or terminate your Account if Cathay Bank determines or reasonably believes in its sole discretion that you have breached these Terms, violated any law, rule, or regulation, engaged in other inappropriate conduct, or for any other business reason.
You agree not to use the Services to:
THE SERVICES MAY CONTAIN LINKS TO WEBSITES CONTROLLED OR OFFERED BY THIRD PARTIES. THE CONTENT, ACCURACY, OPINIONS EXPRESSED AND OTHER LINKS PROVIDED BY THESE OTHER WEBSITES ARE NOT INVESTIGATED, VERIFIED, MONITORED OR ENDORSED BY CATHAY BANK. CATHAY BANK HEREBY DISCLAIMS ANY LIABILITY FOR ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD-PARTY SITES LINKED TO THE SERVICES. BY CREATING A LINK TO A THIRD-PARTY WEBSITE, CATHAY BANK DOES NOT ENDORSE OR RECOMMEND OR APPROVE ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEBSITE, NOR IS CATHAY BANK LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF CATHAY BANK AND THE THIRD-PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE CATHAY BANK SERVICES.
If you have any complaints regarding a linked third-party site, or the services offered, please notify us at:
Cathay Bank,Compliance Department:777 North Broadway 1-0-A, Los Angeles, CA 90012
THE INFORMATION AND MATERIALS ON THE SERVICES, INCLUDING TEXT, GRAPHICS, LINKS, OR OTHER ITEMS, ARE PROVIDED "AS IS" AND "AS AVAILABLE." THE INFORMATION AND MATERIALS MAY CONTAIN ERRORS, OMISSIONS, PROBLEMS, OR OTHER LIMITATIONS AND CATHAY BANK EXPRESSLY DISCLAIMS ANY LIABILITY FOR SUCH ERRORS, OMISSIONS, PROBLEMS, OR OTHER LIMITATIONS. CATHAY BANK DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES, OR GUARANTEES WHATSOEVER AS TO THE ACCURACY, ADEQUACY, RELIABILITY, CURRENTNESS, COMPLETENESS, OR SUITABILITY OF SUCH INFORMATION AND MATERIALS OR THEIR APPLICABILITY TO A PARTICULAR SITUATION. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS, OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS. ALL RESPONSIBILITY AND LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES CONTAINED WITHIN THE ELECTRONIC FILES OF THESE SERVICES ARE DISCLAIMED.
IN NO EVENT WILL CATHAY BANK BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES, OR EXPENSES ARISING IN CONNECTION WITH THE SERVICES OR ITS USE OR INABILITY TO BE USED BY ANY PARTY, IN CONNECTION WITH ANY LINKED SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY EVEN IF CATHAY BANK OR ITS REPRESENTATIVES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. EXCEPT WHERE EXPRESSLY PROHIBITED BY STATUTE, COMPANY SHALL NOT BE LIABLE FOR STATUTORY DAMAGES IN RELATION TO ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES, INCLUDING BUT NOT LIMITED TO STATUTORY DAMAGES OTHERWISE PROVIDED UNDER THE CALIFORNIA INVASION OF PRIVACY ACT.
YOU UNDERSTAND AND AGREE THAT THESE DISPUTE RESOLUTION TERMS APPLY TO ALL CLAIMS, DISAGREEMENTS, DISPUTES OR CONTROVERSIES BETWEEN YOU AND COMPANY PARTIES (AND ANY OTHER RELEASED PARTY), AND COMPANY’S OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES, AGENTS, ARISING OUT OF OR RELATING TO YOUR USE OF OR ACCESS TO THE SERVICES.
In the unlikely event that a disagreement, dispute, claim, or controversy at law or equity in connection with these Terms, Additional Terms, User Submissions, or the Services (collectively, a “Dispute”) arises between you and Company, before initiating any action, you and Company each agree to first provide the other a written notice (“Notice of Dispute”), which shall contain: (i) a written description of the Dispute and relevant documents and supporting information; and (ii) a statement of the specific relief sought. A Notice of Dispute can be emailed to [email protected] so that we may work in good faith to find a mutually agreeable solution. Only if the Dispute cannot be resolved as described above within sixty (60) days, may you or Company commence a lawsuit.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND COMPANY AGREE THAT ANY AND ALL DISPUTES (WHETHER BASED IN CONTRACT, STATUTE, TORT OR ANY OTHER THEORY) WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION. ALL CLAIMS MUST BE BROUGHT SOLELY IN A PARTY’S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED ACTION, REPRESENTATIVE ACTION OR PROCEEDING.
ANY LEGAL ACTION RELATING TO A DISPUTE MUST BE COMMENCED WITHIN ONE (1) YEAR OF THE DATE THE CAUSE OF ACTION OR CLAIM ARISES.
All the text, graphics, audio, design, code, software, and other works on the pages and the screens displaying the pages, and in the information and material and their arrangement included in these Services, are owned by Cathay Bank unless otherwise indicated. Any redistribution or reproduction of any content of the Services is strictly prohibited. Unless otherwise indicated, the Site is copyright ©2013-2026 by Cathay Bank. ALL RIGHTS RESERVED. Except as expressly provided in these Terms, no part of the Sites and no content may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
The name and mark of Cathay Bank, in English words and in Chinese characters, are trademarks and service marks of Cathay Bank and are used and registered throughout the world. Cathay Bank and its parent company, Cathay General Bancorp and their respective subsidiaries and divisions also claim rights in certain other trademarks and service marks contained in these web pages. All Rights Reserved.
All information submitted to Cathay Bank via the Services shall be deemed and remain the property of Cathay Bank, and Cathay Bank shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to the Services provides Cathay Bank through the Services. Cathay Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by Cathay Bank as part of an established direct relationship with a customer or as otherwise specifically agreed or required by law.
All personal data that you provide to us in connection with your use of the Services is collected, stored, used, and disclosed by Cathay Bank in accordance with the Cathay Bank Privacy Policy, which is hereby incorporated into these Terms.
Use of the Services shall be governed by all applicable Federal laws of the United States of America and the laws of the State of California.
These Terms constitute the entire agreement between you and Cathay Bank with respect to your use of the Cathay Bank Services and supersede any prior agreements, representations, warranties, assurances, or discussion related to the Services. Except as expressly set forth in these Terms and Conditions, (i) no failure or delay by Cathay Bank in exercising any of the rights, powers, or remedies hereunder will operate as a waiver of that or any other right, power, or remedy, and (ii) no waiver or modification of any term of these Terms and Conditions will be effective unless in writing and signed by Cathay Bank.
If any provision of these Terms is found to be invalid, unlawful, void, or enforceable by any court having competent jurisdiction, the invalidity of such provision shall be deemed severable from these Terms and such provision shall not affect the validity of the remaining provisions, which shall remain in full force and effect. The summaries of provisions and Section headings are provided for convenience only and shall not limit the full Terms.
We may assign our rights and obligations under these Terms, in whole or in part, to any party at any time without any notice. These Terms may not be assigned by you, and you may not delegate your duties under them, without the prior written consent of an officer of Cathay Bank.
We may communicate with you electronically in regard to the Services, including by email, and we may collect information related to communications between you and Cathay Bank. You agree that unless otherwise stated, all notices, disclosures, agreements, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You agree that any time you electronically transact, agree, or consent via the Services, your action is intended as an electronic signature which binds you as if you had signed on paper.
If you have questions or comments about these Terms and Conditions, please call us, email us or send a letter using the following contact information:
9650 Flair Drive
El Monte, CA 91731
Attention: Compliance Department
Phone number: 800-922-8429
Email: [email protected]
