Terms of Use

Last Updated: September 10, 2020

Except as otherwise set forth herein, these Terms of Use govern your use of the Federal Home Loan Bank of San Francisco (“the Bank” or “we”) website (“Website”). By accessing and using the Bank’s Website, you acknowledge and agree that you have read these Terms of Use, and further acknowledge that these Terms of Use may be amended from time to time, and you agree to be bound by any such amendments. If you do not agree to be bound by these Terms of Use, now or as amended, please leave this Website immediately.

Be advised that the security of the Internet cannot be guaranteed and therefore your privacy thereon cannot be guaranteed. The Bank will not be responsible for any unauthorized access to communications that you submit through the Internet or this Website.

No false information

You shall not provide any false information in connection with the use of this Website. You must use this Website consistent with all applicable laws and regulations.

Your use of the site

You may not use any “deep-link,” “page-scrape,” “robot,” “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to reproduce the navigational structure or presentation of the Site or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Site. The Bank reserves the right to bar any such activity.

You may not attempt to gain unauthorized access to any portion or feature of the Site, or any other systems or networks connected to the Site or to any Bank server, or to any of the services offered on or through the Site, by hacking, password “mining” or any other illegitimate means.

You may not probe, scan or test the vulnerability of the Site or any network connected to the Site, nor breach the security or authentication measures on the Site or any network connected to the Site. You may not reverse look-up, trace or seek to trace any information on any other user of or visitor to the Site, or any other customer of the Bank, to its source, or exploit the Site or any service or information made available or offered by or through the Site, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the Site.

You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Site or the Bank’s systems or networks, or any systems or networks connected to the Site or to the Bank.

You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on the Site, or with any other person’s use of the Site.

You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to The Bank on or through the Site or any service offered on or through the Site. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.

You may not use the Site or any Content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of The Bank or others.


For information about our data protection practices, please see our Privacy Policy. By using this Website, you acknowledge and agree that the Bank may access, preserve, and disclose any information we receive from you if required to do so by law or in a good faith belief that such access, preservation, or disclosure is reasonably necessary to: (a) satisfy any applicable law, regulation, legal process or governmental request, (b) enforce these Terms of Use, including investigation of potential violations hereof, (c) detect, prevent, or otherwise address fraud, security, or technical issues (including, without limitation, the filtering of spam), (d) respond to user support requests, or (e) protect the rights, property, or safety of the Bank, its users, or the public. The Bank will not be responsible or liable for the exercise or non-exercise of its rights under these Terms of Use.


The information on this Website is subject to change without notice and the Bank neither guarantees nor represents or warrants that the information is accurate, complete, or current. It is your responsibility to confirm the accuracy of any information contained on this Website, and the Bank is not responsible for any inaccuracies therein.

ALL MATERIALS RELATED TO THIS WEBSITE, INCLUDING ALL CONTENT, SOFTWARE, AND INFORMATION ON THIS WEBSITE (collectively, “Materials”) ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. The Bank does not warrant that the functions contained in the Materials on this Website will be uninterrupted, risk-free, or error-free, that defects, with respect to both content and functionality, will be corrected, or that this Website or the servers that make such materials available are free of viruses or other harmful components. You assume ALL RISK ASSOCIATED WITH ACCESSING THIS WEBSITE INCLUDING, WITHOUT LIMITATION, COST OF REPAIR, SERVICING, DAMAGE, OR LOSS OF DATA.

All users of this Website acknowledge that the material on this Website (i) does not represent investment advice; (ii) does not constitute an offer to extend credit, a grant, or subsidy and (iii) does not constitute investment solicitation or an offer to buy securities. No user of this Website, including, without limitation, the Bank’s member institutions, should rely on this Website or the information contained on this Website in making an investment decision, a credit decision or a calculation of the timing or amount of payment on debt securities or any other related information.

Ownership and other intellectual property rights

This Website and all its pages are copyrighted by the Federal Home Loan Bank of San Francisco, © 2000 -2020, all rights reserved. The Bank’s distinctive logo appearing throughout this Website, including documents that can be downloaded from this Website, and the words “FHLBank San Francisco,” “FHLBank SF” and “FHLBSF” are trademarks, whether registered or at common law, and trade names of the Bank. The Bank’s trademark, trade name, or logo cannot be used for any commercial purpose without the written consent of an authorized agent of the Bank. Except for data that (1) you create, (2) is in the public domain or (3) for which you have been given written permission by an authorized agent of the Bank, you may not copy, modify, publish, transmit, distribute, perform, display, or sell any data located on this Website.

Limitation on liability

The Bank is not liable for any errors contained in this Website, or for any direct, indirect, consequential, exemplary, incidental, special or punitive damages, including also lost profits arising from your use of (or inability to use) this Website. The Bank’s liability for damage or claims arising from your use of this Website is limited to the lesser of $100 (U.S.), or to the fullest extent permitted by law.


You agree to defend, hold harmless and indemnify the Bank, and its officers, directors, agents, and employees, or partners, from and against any third party claim arising from or in any way related to your use of this Website or violation of these Terms of Use including any liability or expense arising from all claims, losses, damages (actual and consequential), suits, judgments, litigation costs and attorneys’ fees, of every kind and nature. In such a case, the Bank will provide you with written notice of such claim, suit or action.


This Website may provide, or third parties may provide, links to other Internet sites or resources. Because the Bank has no control over such websites and resources, you acknowledge and agree that the Bank is not responsible for the availability of such external websites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such websites or resources. You further acknowledge and agree that the Bank shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such website or resource.

Governing law and jurisdiction in San Francisco

The use of this Website is governed by and shall be construed in accordance with the laws of the United States and, to the extent applicable, the State of California. Users of this Website agree that any action arising from any matter relating directly or indirectly to this Website shall be brought in a court of competent jurisdiction in the City and County of San Francisco, State of California, that those courts have personal jurisdiction over you for that purpose, and you waive any right to bring or seek transfer of any such action to any court outside of San Francisco, California.

Notification of claimed infringement

If you believe that your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, contact Web Support at (415) 616-2610 and please provide us with the following information: (1) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest; (2) a description of the copyrighted work or other intellectual property that you claim has been infringed; (3) a description of where the material that you claim is infringing is located on this Website; (4) your name, address, telephone number, and email address; (5) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (6) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.