Terms of Service
Last Updated: March 17, 2026
1. Introduction and Acceptance of Terms
Welcome to Arvest Advisors. These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("user," "visitor," "you," or "your") and Arvest Advisors ("we," "us," "our," or "Company") governing your access to and use of our website located at arvestadvisors.com (the "Site"). By accessing, browsing, viewing, using, or interacting with our Site in any manner, you acknowledge that you have read, understood, and expressly agree to be bound by all terms and conditions contained herein, as well as all applicable laws and regulations. If you do not agree to these Terms in their entirety, you are expressly prohibited from using our Site and must discontinue all access immediately. These Terms apply to all visitors, users, and others who access or use our Site. We may modify these Terms at any time, and such modifications shall be effective immediately upon posting. Your continued use of our Site after any modifications constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically for changes. Arvest Advisors is an independent professional resource and information website and is not affiliated with, endorsed by, or sponsored by Arvest Bank or any of its subsidiaries, divisions, or related entities. Any references to Arvest Bank on this Site are for informational purposes only and do not imply any formal relationship or endorsement.
2. Eligibility and Age Restrictions
By using our Site, you represent and warrant that you are at least 18 years of age or the age of majority in your jurisdiction of residence, whichever is greater. If you are accessing the Site under the supervision of a parent or guardian, such parent or guardian accepts these Terms on your behalf and assumes full responsibility for your compliance with these Terms and all activities conducted through your access. The Site is not intended for individuals under the age of 13, and we do not knowingly collect personal information from children under 13. Individuals between the ages of 13 and 17 may only use the Site under the direct supervision of a parent or guardian who agrees to be bound by these Terms. We reserve the right to refuse service, terminate access, remove or edit content, or cancel access to the Site in our sole discretion for any reason and without notice, including but not limited to violation of these Terms or applicable laws. By using this Site, you affirm that you meet all eligibility requirements and that you will comply with all terms and conditions set forth in this Agreement.
3. Description of Services and Professional Informational Purpose
Our Site provides professional insights, educational information, expert guides, resources, and commentary regarding Arvest Bank's digital banking services, online access methods, features, lending products, and related topics (collectively, the "Services"). All content provided on our Site is for general informational and educational purposes only and is not intended to constitute professional, financial, legal, tax, investment, accounting, or other professional advice. We are not a bank, financial institution, licensed financial advisor, law firm, accounting firm, or other professional services entity, and we do not offer banking services, process transactions, handle deposits, manage accounts, or provide any services that require regulatory licensing. Our Site serves solely as an independent professional resource to help users understand and navigate Arvest Bank's publicly available services through expert analysis and guidance. We do not guarantee the accuracy, completeness, timeliness, or reliability of any information presented on our Site. Bank services, features, policies, fees, rates, and contact information may change at any time without notice, and we may not immediately update our content to reflect such changes. Users are strongly encouraged to verify any critical information directly with official sources, including Arvest Bank's official website at www.arvest.com or by contacting their customer service at (866) 952-9523. We do not provide access to Arvest Bank systems, process login credentials, facilitate banking transactions, or assist with account-specific issues in any way. Any decisions you make based on information obtained from our Site are your sole responsibility, and we expressly disclaim all liability for any consequences resulting from your reliance on such information. The professional insights provided on this Site are based on publicly available information and industry expertise, but individual circumstances vary and may require personalized professional advice.
4. Professional Disclaimer and No Advice
The information contained on this Site is provided for general informational purposes only and does not constitute professional advice. Arvest Advisors is not a financial advisory firm, and nothing on this Site should be interpreted as recommending or endorsing any specific course of action, financial product, service, or provider. The professional insights, analysis, and commentary provided on this Site are based on general information and may not be suitable for your individual circumstances, financial situation, or specific needs. Before making any financial decisions, entering into any banking relationship, applying for any loan or credit product, or taking any actions based upon the information on this Site, we strongly recommend that you consult with qualified professionals who can consider your individual circumstances and provide advice tailored to your specific situation. You should not disregard professional advice or delay seeking it because of something you have read on this Site. Reliance on any information provided on this Site is solely at your own risk. Arvest Advisors expressly disclaims all liability for any loss or damage of any kind arising out of or in connection with your use of or reliance on any information contained on this Site.
5. User Conduct and Prohibited Activities
As a condition of your use of our Site, you agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to engage in any of the following prohibited activities: (a) using the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party's use of the Site; (b) attempting to gain unauthorized access to, interfering with, damaging, or disrupting any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site; (c) attacking the Site via a denial-of-service attack or a distributed denial-of-service attack; (d) using any robot, spider, scraper, crawler, or other automated means to access the Site for any purpose without our express written permission; (e) introducing any viruses, Trojan horses, worms, logic bombs, time bombs, cancelbots, corrupted files, or other material which is malicious or technologically harmful; (f) violating any applicable federal, state, local, or international law or regulation; (g) impersonating or attempting to impersonate us, our employees, another user, or any other person or entity; (h) engaging in any conduct that restricts or inhibits anyone's use or enjoyment of the Site, or which, as determined by us, may harm us or users of the Site or expose them to liability; (i) using the Site to transmit any advertising or promotional material without our prior written consent, including any junk mail, chain letters, spam, or similar solicitations; (j) collecting or tracking the personal information of others without their consent; (k) misrepresenting your identity or affiliation with any person or entity; (l) using the Site in any manner that could create a false impression that you are affiliated with, endorsed by, or sponsored by us, Arvest Bank, or any other entity; (m) decompiling, reverse engineering, disassembling, or attempting to derive the source code of any software or security components underlying the Site; (n) using the Site in any manner that violates intellectual property rights or other proprietary rights of any party. We reserve the right to take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Site.
6. Intellectual Property Rights and Ownership
The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, design, selection, arrangement, look and feel, professional analysis, guides, commentary, and original content) are owned by Arvest Advisors, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site and its contents for your personal, non-commercial use only. This license does not include any right to: (a) modify, copy, reproduce, distribute, display, perform, publish, license, create derivative works from, transmit, sell, or in any way exploit any content from the Site, in whole or in part, except as expressly authorized in writing by us; (b) use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text; (c) use any meta tags or other hidden text using our name, trademarks, or service marks without our express written consent; (d) frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or forms) without our express written consent; (e) use any of our trademarks or service marks as part of a link to or from any site unless such link is approved in advance in writing; (f) systematically extract and/or re-utilize substantial portions of the content of the Site; (g) reproduce or store any significant portion of the content in any form or medium for any commercial purpose. All trademarks, service marks, trade names, logos, slogans, and product names displayed on the Site are the property of their respective owners, including Arvest Bank which owns all rights to its trademarks and service marks. Reference to any product, service, or entity on this Site does not constitute an endorsement or recommendation by the trademark holders. Any unauthorized use of the Site or its contents may violate copyright, trademark, and other laws and could result in criminal or civil penalties. We reserve all rights not expressly granted in these Terms.
7. Third-Party Links and External Resources
Our Site may contain links to third-party websites, resources, and services that are not owned or controlled by us, including but not limited to the official Arvest Bank website at www.arvest.com, government financial education resources, consumer information websites, industry publications, news articles, regulatory agencies, and other financial information sources. These links are provided solely for your convenience and reference only. We have no control over, and assume no responsibility for, the content, privacy policies, terms of use, practices, or operations of any third-party websites or resources. The inclusion of any link does not imply endorsement, sponsorship, approval, investigation, verification, or recommendation by us of the linked website, its content, its operators, or its products or services. We are not responsible for any loss or damage that may arise from your use of or reliance on any third-party websites or resources. When you click on a link to a third-party website, you will leave our Site and be subject to the terms, conditions, and privacy policies of that external website, which may differ significantly from ours. We encourage you to review the terms of use and privacy policies of any third-party websites you visit before providing any information to them or relying on their content. Your use of any third-party website is entirely at your own risk, and we expressly disclaim all liability arising from your use of or reliance on any such websites. If you decide to access any third-party websites linked to our Site, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
8. Disclaimer of Warranties
YOUR USE OF THE SITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER WE NOR ANY PERSON ASSOCIATED WITH US MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, CURRENCY, TIMELINESS, OR AVAILABILITY OF THE SITE OR ITS CONTENT. WITHOUT LIMITING THE FOREGOING, NEITHER WE NOR ANYONE ASSOCIATED WITH US WARRANTS OR REPRESENTS THAT: (A) THE SITE OR ITS CONTENT WILL BE ACCURATE, RELIABLE, COMPLETE, ERROR-FREE, OR UNINTERRUPTED; (B) DEFECTS WILL BE CORRECTED; (C) THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER HARMFUL COMPONENTS; (D) THE SITE WILL MEET YOUR SPECIFIC REQUIREMENTS OR EXPECTATIONS; (E) ANY INFORMATION OBTAINED THROUGH THE SITE WILL BE ACCURATE, CURRENT, COMPLETE, OR RELIABLE; (F) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED THROUGH THE SITE WILL MEET YOUR EXPECTATIONS; (G) ANY ERRORS OR DEFECTS WILL BE CORRECTED; (H) THE SITE IS COMPATIBLE WITH YOUR DEVICE OR SOFTWARE. TO THE FULLEST EXTENT PROVIDED BY LAW, WE HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, TITLE, QUIET ENJOYMENT, ACCURACY, COMPLETENESS, USEFULNESS, CURRENCY, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE ABOVE LIMITATIONS AND DISCLAIMERS MAY NOT APPLY TO YOU, IN WHICH CASE SUCH LIMITATIONS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ARVEST ADVISORS, ITS OPERATORS, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, LICENSORS, SERVICE PROVIDERS, OR CONTENT PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES WHATSOEVER ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, THE CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER BASIS, AND REGARDLESS OF THE THEORY OF LIABILITY. WITHOUT LIMITING THE FOREGOING, IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE EXCEED THE AMOUNT YOU PAID US, IF ANY, FOR ACCESSING THE SITE DURING THE TWELVE MONTHS PRECEDING THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU, IN WHICH CASE OUR LIABILITY SHALL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. YOU ACKNOWLEDGE AND AGREE THAT THE FOREGOING LIMITATIONS OF LIABILITY ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND US, AND ABSENT SUCH LIMITATIONS, WE WOULD NOT PROVIDE ACCESS TO THE SITE. THIS LIMITATION OF LIABILITY SHALL SURVIVE THESE TERMS AND YOUR USE OF THE SITE.
10. Indemnification
You agree to defend, indemnify, and hold harmless Arvest Advisors, its operators, affiliates, officers, directors, employees, agents, representatives, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees, court costs, and investigative costs) arising out of or relating to: (a) your access to, use of, or alleged use of the Site; (b) any violation of these Terms by you; (c) your violation of any third-party rights, including but not limited to any intellectual property rights, publicity rights, or privacy rights; (d) any content you submit, post, transmit, or make available through the Site; (e) your violation of any applicable law, rule, or regulation; (f) any misrepresentation made by you; (g) your negligence or willful misconduct; (h) any dispute between you and any third party arising from your use of the Site. We reserve the right, at your expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with our defense of such claims. You agree not to settle any matter subject to indemnification by you without our prior written consent. This indemnification obligation will survive these Terms and your use of the Site.
11. Termination and Suspension of Access
We reserve the right, in our sole discretion, to terminate, suspend, or restrict your access to all or any part of the Site at any time, with or without notice, for any reason or no reason, including but not limited to violation of these Terms, applicable laws, or for any conduct that we deem inappropriate, harmful, or detrimental to the Site or other users. Upon termination, your right to use the Site will immediately cease, and you must cease all use of the Site and destroy any copies of any content obtained from the Site. All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, indemnification, and limitations of liability. We shall not be liable to you or any third party for any termination of your access to the Site. You may terminate these Terms at any time by discontinuing use of the Site and destroying all materials obtained from the Site.
12. Governing Law and Jurisdiction
These Terms and any disputes arising out of or related to them, the Site, or our Services shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles or provisions, and to the extent applicable, the laws of the United States. Any legal action, suit, or proceeding arising out of or relating to these Terms or the Site shall be instituted exclusively in the federal or state courts located in the State of Delaware, and you expressly consent to the personal jurisdiction and venue of such courts and waive any objection based on improper venue, inconvenient forum, or forum non conveniens. You agree that any cause of action you may have arising out of or related to these Terms or the Site must commence within one (1) year after the cause of action accrues; otherwise, such cause of action is permanently barred. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to these Terms.
13. Dispute Resolution and Binding Arbitration
PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS. Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or the use of the Site (collectively, "Disputes") shall be resolved by binding, individual arbitration conducted by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall be held in Wilmington, Delaware, or at such other location as may be mutually agreed upon by the parties. The arbitrator's award shall be final and binding and may be entered in any court having jurisdiction thereof. YOU AGREE THAT BY ENTERING INTO THESE TERMS, YOU AND WE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION. Any arbitration shall be conducted on an individual basis and not in a class, consolidated, or representative action. If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial. Notwithstanding the foregoing, either party may bring an individual action in small claims court. Nothing in this section shall prevent either party from seeking injunctive or other equitable relief from the courts for matters related to intellectual property infringement or misappropriation.
14. Digital Millennium Copyright Act (DMCA) Compliance
We respect the intellectual property rights of others and expect our users to do the same. In accordance with the Digital Millennium Copyright Act of 1998, we will respond expeditiously to claims of copyright infringement committed using our Site that are properly reported to our designated Copyright Agent. If you believe that any content available on or through our Site infringes upon your copyright, you may submit a notification pursuant to the DMCA by providing our Copyright Agent with the following information in writing: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on the Site are covered by a single notification, a representative list of such works; (c) 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 us to locate the material; (d) information reasonably sufficient to permit us to contact you, such as an address, telephone number, and, if available, an email address; (e) a statement that you have 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; (f) a statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. Our designated Copyright Agent for notice of claims of copyright infringement can be reached at: copyright@arvestadvisors.com. Please note that under Section 512(f) of the Copyright Act, any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability.
15. Severability and Waiver
If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provision shall be modified to the minimum extent necessary to make it enforceable and effective, or if not possible, severed from these Terms, and the remaining provisions shall continue in full force and effect. No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Arvest Advisors to be effective.
16. Entire Agreement
These Terms, together with our Privacy Policy, Cookie Policy, Disclaimer, and any other legal notices published on our Site, constitute the entire and exclusive agreement between you and Arvest Advisors regarding your use of the Site and supersede and replace all prior agreements, understandings, arrangements, communications, or representations, whether oral or written, regarding the subject matter hereof. In the event of any conflict between these Terms and any other agreement you may have with us, these Terms shall control unless otherwise expressly stated in writing signed by both parties. You acknowledge that in entering into these Terms, you have not relied on any representations or warranties except as expressly set forth herein.
17. Contact Information
If you have any questions, concerns, or comments about these Terms or the Site, please contact us at terms@arvestadvisors.com. We will make every effort to respond to your inquiry within a reasonable time, typically within 10 business days. For account-specific issues or urgent banking matters, please contact Arvest Bank directly at (866) 952-9523 rather than using our contact information, as we cannot assist with bank account questions or issues requiring access to bank systems. All notices to you shall be deemed effective upon posting to the Site or upon delivery to you through email or other contact information you may provide. You consent to receive communications from us electronically and agree that such electronic communications satisfy any legal requirement that communications be in writing.
18. Assignment
These Terms are personal to you, and you may not assign, transfer, or sublicense your rights or obligations under these Terms without our prior written consent. We may assign, transfer, or delegate these Terms or any of our rights or obligations hereunder without your consent to any affiliate or in connection with any merger, reorganization, acquisition, asset sale, or similar transaction. Any attempted assignment in violation of this section shall be void and of no effect.
19. No Third-Party Beneficiaries
Except as expressly provided in these Terms, no provision of these Terms is intended to confer any rights, benefits, remedies, or liabilities upon any third party, and no third party shall have any standing to enforce any provision of these Terms. Nothing in these Terms shall create or confer any third-party beneficiary rights.
20. Force Majeure
We shall not be liable for any failure or delay in performing our obligations under these Terms if such failure or delay is caused by circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, civil unrest, natural disasters, pandemics, public health emergencies, government actions, strikes, labor disputes, equipment failures, internet service provider failures, telecommunications failures, or other events that are not reasonably within our control. Our performance shall be excused to the extent that it is prevented or delayed as a result of such causes, and we shall be entitled to a reasonable extension of time for performance.
21. Interpretation
The section headings in these Terms are for convenience only and shall not affect the interpretation or construction of any provision. Words importing the singular shall include the plural and vice versa, and words importing gender shall include all genders. The terms "including," "include," "such as," and similar terms shall be deemed to be followed by the words "without limitation." Any reference to statutes, regulations, or other laws shall include all amendments, modifications, or replacements thereof. These Terms have been prepared in the English language, and the English version shall prevail over any translation.
22. Your Acceptance of These Terms
By accessing, browsing, or using our Site in any manner, you signify your affirmative acceptance of these Terms and all terms and conditions contained herein. You acknowledge that you have read these Terms, understand them, and agree to be bound by them. If you do not agree with any provision of these Terms, or if you are not comfortable with any of our practices described herein, you must immediately discontinue any and all use of our Site. Your continued use of our Site following the posting of any changes to these Terms will constitute and be deemed your acceptance of those changes and the updated Terms in their entirety. These Terms constitute a binding agreement between you and Arvest Advisors, and you should print or save a copy for your records.
23. Professional Disclosure Reminder
ARVEST ADVISORS IS AN INDEPENDENT PROFESSIONAL RESOURCE AND IS NOT AFFILIATED WITH, ENDORSED BY, OR SPONSORED BY ARVEST BANK OR ANY OF ITS SUBSIDIARIES. All information provided on this Site is for general informational purposes only and does not constitute professional advice. Your use of this Site is subject to all terms, conditions, limitations, and disclaimers set forth in these Terms, our Privacy Policy, Cookie Policy, and Disclaimer. By continuing to use this Site, you acknowledge and agree to all such terms.