Terms of Use

Please read these Terms of Use carefully and in its entirety. These Terms of Use contain the terms and conditions by which we offer you access to and the use of the HW Wealth Manager (the "Services") through the associated website (the “Site”) and disclosures related to these Services. In particular, these Terms of Use contains provisions that set forth:

  • our obligations and important limitations to our obligations in providing the Services to you;
  • our liability and important limitations on our liability in providing the Services to you;
  • your responsibilities and obligations to us when you access and use Services;
  • your agreement that these Terms of Use benefit certain third parties which assist us in providing these Services to you and that any agreement or terms of use you enter into directly with a third party in providing aspects or features of these Services to you also benefit us;
  • your agreement that we may add to, modify, or delete any Services or any feature of the Services at our sole and absolute discretion;
  • your agreement that we may change these Terms of Use in our sole discretion upon providing you notice in the time and manner as we choose under relevant law; and
  • your agreement that Mississippi law will govern your access to and use of the Services, even though other federal and state law may govern the Accounts you access using the Services.

We will refer to these Terms of Use as the “Terms” in the remainder of this agreement, but, we may also refer to these Terms as accepted by you as an “Agreement.” If you have any questions regarding these Terms please contact your Relationship Manager directly or Wealth Online Support at 877-837-2266 between the hours of 8:00 am and 5:00 pm CST.


  1. Advisor. Hancock Whitney Bank (“HWB”) offers investment products, which may include asset management accounts and as part of its Wealth Management Services. As used within these Terms the term “Advisor,” and “us,” “we,” and “our” refers to HWB accounts you access through these Services.
  1. Agreement.
    1. Your acceptance of these Terms in their entirety is essential to our ability and willingness to offer the Services to you. Each time you access the Site and use the Services, you reaffirm your acceptance of and agreement to all of these Terms.

    2. We may in our sole discretion amend these Terms from time to time. Any such amendment will be effective as of the date we establish or as required by applicable law. When the Terms are amended, we will notify you by posting a revised version of these Terms on this Site along with a notice that these Terms have been amended or by some other reasonable method. Your continued access to and use of the Services following an amendment constitutes your acceptance of these Terms, as amended. We may in our sole discretion require you to affirmatively accept such amendments before you continue to use the Services, but, we are not obligated to do so.

    3. You can review the most current version of these Terms by clicking the “Terms of Use” link on the Site.
  1. Services.
    1. Using the Services you may:
      • access information regarding your Account(s) including balances, history, investment performance and allocations;
      • link accounts you have with other financial institutions and view such accounts and the underlying data;
      • access and use financial wellness apps to calculate and track your cash flow, income and expenses and budgets and investment holdings;
      • access and use financial wellness applications to calculate and track your cash flow, income and expenses and budgets and investment holdings;
      • access financial news, market reports and other financial information; and
      • view signed documents relating to these Services and others which you upload and share with your Advisor.

    2. From time to time we may introduce new Services or features to existing Services, alter or remove any of these Services or any feature of such Services, in our sole and absolute discretion. In the event of such changes or upgrades, you are responsible for making sure that you understand how to use the Services as changed or upgraded.
  1. Account(s). Refers to one or more asset management accounts or brokerage, advisory accounts or annuities accounts that you maintain with us and which you may access using these Services. You further agree that nothing contained in these Terms is intended to modify or amend any other written agreement currently in effect between you and us regarding each Account.
  1. Third Party Service Providers and Related Terms and Conditions. Third party service providers enable us to offer you access to this Site and these Services (“Service Providers”). Such Services Providers include, without limitation, Envestnet Asset Management, Inc., Yodlee, Inc. and PIEtech Services, Inc. Such service providers may require you to agree to certain terms and conditions in order to access the Services, generally, or to use certain features or aspects of the Services (“Third Party Terms and Conditions”). You agree that we are an intended beneficiary of the Third Party Terms and Conditions with all rights to enforce such provisions as if we were a party to such Third Party Terms and Conditions. Likewise, you agree that the Service Providers are third party beneficiaries of this Agreement with all rights to enforce such provisions as if they were a party to this Agreement.
  1. License. Under this Agreement, the Advisor hereby grants you a limited, revocable, non-exclusive, non-transferable and non-assignable license during the term of this agreement to access and use the Services according to these Terms. Through these Services you may obtain information concerning your Account and other information (some of which may be provided by third parties). You agree not to assign, sublicense or otherwise convey or transfer your rights under this Agreement to another person or entity.
  1. Authorized Use and Restrictions.
    1. Your right to use the Services as licensed is personal to you, individually, or as an authorized representative of another individual who maintains one or more Accounts with us; therefore, you may not resell or make other commercial use of the Services.

    2. You shall be the only authorized user of the Services under this Agreement.

    3. You may not use the Services for improper or illegal purposes and without limiting the generality of the foregoing, you specifically agree that you will not do any of the following:

      1. upload to or transmit on the Site any defamatory, indecent, obscene, harassing, violent or otherwise objectionable material, or any material that is, or may be, protected by copyright or privacy rights, without permission from the owner;
      2. use the Site to violate the legal rights of others;
      3. intercept or attempt to intercept electronic mail not intended for you;
      4. misrepresent an affiliation with any person or organization;
      5. restrict or inhibit another individual’s authorized use of the Site; or
      6. upload or otherwise transmit files that contain a virus or otherwise corrupted data.

    4. Data and information accessible through the Services may be displayed, stored, downloaded, bookmarked, reformatted and printed for your personal, informational, and noncommercial use only. You agree to keep confidential and not cause or permit such data, information or services to be published, broadcast, retransmitted, reproduced, commercially exploited or otherwise re-disseminated. You agree not to create any derivative works (including databases) based on the Services or any data, information or services contained therein.

    5. You agree not to reverse engineer or reverse compile any of the technology available on this Site.

    6. You understand and acknowledge that you are responsible for whatever content you submit, and you, not us, have full responsibility for such content, including its legality, reliability, and appropriateness. By uploading or otherwise transmitting material to any area of the Site, you warrant that the material is your own, is in the public domain, or otherwise free of proprietary or other restrictions and that you have the right to use it, including by posting it to the Site. We reserve the right, but do not assume any responsibility, to remove from the Site any material posted by you on the Site that we, in our sole discretion, deem inconsistent with the foregoing commitments.
    7. You understand and acknowledge that HWB may share your personal and financial information related to the Accounts among and with affiliates in order to provide the Services. By accessing the Site and using the Services you consent to the sharing of such personal and financial information.
  1. Transmission of Personal Financial Information. You acknowledge the Services may involve the transmission to you of information that may be considered personal financial information. You acknowledge that we cannot assure the security of electronic transmission of such information over the Internet. You consent to the transmission by electronic means of such information through the Services and such consent shall be effective at all times that you use the Services.
  1. Security Credentials.
    1. Access to and use of the Services requires you to use a unique user name ("User ID") and associated password ("Password"). You are solely responsible for maintaining the confidentiality of such User ID and Password (collectively, “Security Credentials”). You hereby agree to maintain your Security Credentials in strict confidence and do not allow another person to use them. If you fail to maintain the confidentiality of your Security Credentials and if someone accesses these Services and your Accounts by using your Security Credentials you are solely responsible for all such actions and consequences which result.

    2. Due to the nature of the Internet, the limited security mechanisms associated with the Services and the inherent limitations of such mechanisms, we cannot ensure the privacy, security or authenticity of your communications with the Services. Accordingly, you must assess whether the use of the Services or the Internet is adequately secure to meet your particular needs.

    3. The use and storage of any information, including without limitation, the User ID, the Password, portfolio information, transaction activity, account balances, and any other information or orders available on your personal computer, is at your own risk and is your sole responsibility. You are responsible for providing and maintaining the communications equipment (including personal computers and modems) and internet services required for accessing and using the Services and for all communications service fees and charges incurred by you in accessing the Site and these Services.
  1. Errors or Unauthorized Use. You agree to immediately notify us if you know or suspect:
    1. unauthorized access to your Accounts or access to and use of your Security Credentials;
    2. any discrepancy in the balance or securities positions associated with any of your Accounts; or
    3. any other type of discrepancy or suspicious or unexplained occurrence or circumstance relating to the Services or your Accounts.
  1. Notice. All questions or notifications regarding these Services should be provided directly to your advisor or you may call client support at 877-837-2266 between the hours of 8:00 am and 5:00 pm CST.
  1. Representations, Warranties and Related Covenants. In accessing and using these Services you represent, warrant and covenant that:
    1. You will access and use the Services according to these Terms, any instructions or guidance provided to you on via webpages on the Site and any Third Party Terms and Conditions.

    2. You will not use or distribute any information that you access through the Services (e. g., any data that is provided by a national securities exchange or association) in connection with any professional or commercial activities.

    3. You will use the information that you access through the Services solely in connection with your investment or brokerage account with Advisor and not in connection with your trade or business activities.

    4. If you are a securities broker-dealer, investment advisor, futures commission merchant, commodities introducing broker or commodity trading advisor, member of a securities exchange or association or futures contract market, or an owner, partner, agent, or associated person of any of the foregoing, you will not perform functions related to securities or commodities futures trading or business activities.

    5. If you are employed by a bank or insurance company or an affiliate of either to perform functions related to securities or commodity futures trading activity, you will not perform functions related to securities or commodities futures trading or business activities except with respect to your investment or brokerage account with Advisor.

    6. Your use of the Product or certain features and functions of the Product may be subject to certain fees imposed by Advisor. Advisor will notify you of such fees, if applicable.
  1. Third Party Content.
    1. Information that we make available to you on this Site is obtained from sources believed to be reliable, but its accuracy and completeness are not guaranteed. We reserve the right at any time and without notice to change, amend, or cease publication of the information.

    2. News feeds, market quotes, and other links on this Web site are provided by independent third parties and are not guaranteed to be accurate, complete, or timely. Neither we nor independent third-party providers shall have any liability, contingent or otherwise, for the accuracy, completeness, timeliness, or correct sequencing of the information, or for any decision made or action taken by you in reliance upon the information. The news, market quotes, and links provided are shown for your convenience only. Linked sites are independent and are not owned or operated by us. We do not endorse any linked sites, nor do we guarantee the timeliness, accuracy, completeness, or adequacy of any information posted on the linked sites.

    3. We reserve the right to terminate, modify, or change the links, news sources, and market quote sources at any time without notice.

    4. Performance data contained on this Site represents past performance, and the investment return and principal value of an investment will fluctuate over time and may be worth more or less than their original cost. Any historical performance quoted should not be viewed as representative of future performance.
  1. No Investment, Tax or Legal Advice. Although Advisor makes available to you information through these Services, including facts, analysis and recommendations (which may or may not assist you in your investment decisions), you agree that such information is provided for informational purposes only and shall not be considered a recommendation from us for you to buy or offer to sell securities. Any investment decision you may make on the basis of any information you find on this Site is your sole responsibility. Further, you understand that we do not provide tax or legal advice in any of the information made available to you on the Site or that is accessible using the Site.
  1. Intellectual Property Rights. The term “Hancock Whitney” and the “Hancock Whitney” logo are trademarks or service marks of Hancock Whitney Corporation. And all other product or service marks on the Site are the trademarks or service marks of their respective owners.
  1. Privacy and Sharing of Aggregated Data.
    1. Please refer to our Privacy Policy for information regarding our sharing and use of your personal information.

    2. “Aggregated Data” refers to your information and other data that has been stripped of any personally identifiable information and that is not capable of being re-identified or associated with you and is combined with such data of other clients.

    3. You hereby grant us a non-exclusive, perpetual, worldwide, royalty free license to use your Aggregated Data to better understand our user base, researching potential changes in Site content and the Services, conducting research on topics relevant to the financial services industry or to marketing demographics within the industry, and, if applicable, publishing results from such research in industry, academic or other general interest publications. We acknowledge and agree that the Aggregated Data is provided by you “as is” and without warranties of any kind.
  1. WARRANTY DISCLAIMERS AND LIMITATIONS OF LIABILITY. YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
    1. THE SERVICES, THE SITE AND INFORMATION PROVIDED ON THE SITE (INCLUDING THAT OF THIRD PARTIES) IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS. NEITHER WE NOR ANY PERSON ASSOCIATED WITH US MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE QUALITY, ACCURACY, OR AVAILABILITY OF THE SERVICES OR THE SITE.

    2. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE, OUR AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND VENDORS, AND EACH PERSON ASSOCIATED WITH US DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLITED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT.

    3. MORE SPECIFICALLY, BUT WITHOUT LIMITING THE FOREGOING, NEITHER WE, NOR OUR AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND VENDORS NOR ANY PERSON ASSOCIATED WITH US WARRANTS OR REPRESENTS THAT (I) THE SERVICES OR THE SITE OR THE INFORMATION PROVIDED ON THE SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, AND UNINTERRUPTED; (II) ANY DEFECTS WILL BE CORRECTED; (III) THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (IV) THE SERVICES OR SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

    4. IN NO EVENT WILL WE, OUR AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND OTHER THIRD-PARTY INFORMATION PROVIDERS AND VENDORS OR ANY PERSONS ASSOCIATED WITH US BE LIABLE FOR ANY DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SERVICES OR SITE OR ANY LINKED SITE, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR DAMAGES RESULTING FROM DELAY, INTERRUPTION IN SERVICE, VIRUSES, DELETION OF FILES OR ELECTRONIC COMMUNICATIONS, OR ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SITE OR THE CONTENT TRANSMITTED ON THE SITE, WHETHER OR NOT THERE IS NEGLIGENCE BY US OR PERSONS ASSOCIATED WITH US AND WHETHER OR NOT WE OR PERSONS ASSOCIATED WITH HAS BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES.

    5. IN THE EVENT WE ARE HELD LIABILITY FOR DAMAGES, THE MAXIMUM AGGREGATE LIABILITY OF US TO YOU OR ANY THIRD PARTY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES SHALL BE THE LESSER OF (I) THE ACTUAL DAMAGES SUSTAINED BY A PARTY TO SUCH A CLAIM OR (II) THE AMOUNT PAID TO US FOR THE USE OF THESE SERVICES DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE FILING OF SUCH A CLAIM.

    6. FURTHERMORE, ANY MATERIALS DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS SITE ARE DONE AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER EQUIPMENT, OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD.

    7. TO THE EXTENT ANY JURISDICTION DOES NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY HAVE OTHER RIGHTS, WHICH VARY FROM JURISDICTION TO JURISDICTION.

    8. IN THESE TERMS, THE PHRASE “PERSONS ASSOCIATED WITH US” INCLUDES THOSE PERSONS WHO ASSIST US IN MAKING THE SITE, THE SERVICES OR INFORMATION PROVIDED VIA THE SITE AVAILABLE TO YOU, INCLUDING WITHOUT LIMITATION OUR THIRD PARTY SERVICE PROVIDERS AND THEIR RESPECTIVE AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND OTHER THIRD-PARTY INFORMATION PROVIDERS AND VENDORS.
  1. INDEMNIFICATION. YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS THE ADVISOR, ITS AFFILIATES AND SUBSIDIARIES, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS AND VENDORS, AND EACH PERSON ASSOCIATED WITH THE ADVISOR FROM AND AGAINST ANY AND ALL CLAIMS, DEMANDS, LOSSES, LIABILITIES, JUDGMENTS, SUITS, PROCEEDINGS, DAMAGES, EXPENSES AND COSTS, INCLUDING REASONABLE ATTORNEY'S FEES AND COURT COSTS ARISING FROM OR IN CONNECTION WITH (I) THE USE OR MISUSE OF THE SERVICES BY YOU, OR ANY OTHER PERSON UTILIZING ANY SECURITY CREDENTIALS ASSIGNED TO YOU, (II) YOUR VIOLATION OF ANY OF YOUR OBLIGATIONS UNDER THIS AGREEMENT, (III) ANY UNAUTHORIZED ACCESS CAUSED BY USE OF YOUR SECURITY CREDENTIALS, OR (IV) ANY ACT OR OMISSION OF YOU, YOUR EMPLOYEES, CONTRACTORS OR AGENTS WITH RESPECT TO THIS AGREEMENT.
  1. Termination. We may terminate your access to and use of the Services at any time. In the event of termination, we will immediately notify you. Your access to the Site and the Services will cease as of the effective date of termination. You may discontinue your access to and use of the Services at any time. If you close all Accounts that you maintain with us and which you access via the Services, we shall deem this your termination of the Agreement.
  1. General Terms and Conditions.
    1. This Agreement shall be governed by the laws of the State of Mississippi, excluding its conflicts of law provisions. Exclusive jurisdiction over any cause of action out of this Agreement or your access to and use of the Services via the Site shall be within the state or federal courts located in the First Judicial District of Harrison County, Mississippi.

    2. This Agreement, as supplemented by any Third Party Terms and Conditions, is the complete and exclusive statement of obligations and responsibilities of Advisor to you with respect to the Services and supersedes any other agreement or understanding, whether written or oral, by or on behalf of Advisor relating to the provision and use of the Services. No other obligations or responsibilities of any other party exist with respect to the Services.

    3. If any provision of this Agreement is deemed invalid or unenforceable under applicable law, then that provision will be deemed severable and the remaining provisions will continue in full force and effect.

Hancock Whitney and the Hancock Whitney logo are federally-registered trademarks of Hancock Whitney Corporation. Copyright © 2025 Hancock Whitney Bank.