Banco Popular North America
Terms and Conditions of Use for Popular Direct Online Banking
3. Additional Terms
All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code (collectively, “Content”), including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of such Content, contained on the Site is owned, controlled or licensed by or to Popular and is protected by applicable trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws. Certain other words and symbols used to identify the source of third party goods and services are trademarks of their respective owners. The display of any such trademarks or trade dress on the Site does not imply that a license of any kind has been granted.
POPULAR ®, BANCO POPULAR ®, POPULAR DIRECT , BPPR POPULAR COMMUNITY BANK ®, among others, are service marks of Popular, Inc., and/or any one or more of its subsidiaries or affiliates.
You may use information relative to Popular Direct deposit products offered by Banco Popular North America purposely made available by Popular for downloading from the Site, provided that you (1) do not remove any proprietary notice language in all copies of such documents, (2) use such information only for your personal, non-commercial informational purpose and do not copy or post such information on any networked computer or broadcast it in any media, (3) make no modifications to any such information, and (4) do not make any additional representations or warranties relating to such documents. The Popular Direct deposit products offered by Banco Popular North America described in various webpages on the Site, as applicable, may only be offered in certain jurisdictions where they may be legally offered for sale or otherwise as designated by Popular in its sole business discretion. The Site 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 restricted, prohibited or otherwise contrary to applicable law or regulation.
5. Your Use of the Site
Unauthorized use of the Site in connection with the transmission of unsolicited e-mail, including the transmission of e-mail in violation of this policy, may result in civil and criminal penalties against the sender and those assisting the sender, including those penalties provided by the Computer Fraud and Abuse Act (18 U.S.C. §§ 1030 et seq.).
6. Accounts, Passwords and Security
Certain features or services offered on or through the Site may require you to open an account (including setting up a username and password to access Popular Direct Online Banking). You are entirely responsible for maintaining the confidentiality of your applicable account information, including your password, and for any and all activity that occurs under your account. You further agree to establish commercially reasonable security procedures and controls to protect any of your confidential information. You agree to notify Popular immediately of any unauthorized use of your applicable account or password, or any other breach of security, including suspected or actual account “phishing” incidents. However, you may be held liable for losses incurred by Popular or any other user of or visitor to the Site due to someone else using your applicable username, password or account. You may not use anyone else’s username, password or account to access the Site at any time without the express permission and consent of the holder of such username, password or account. Popular cannot and will not be liable for any loss or damage arising from your failure to comply with these obligations. Do not communicate confidential information to us over the Internet, or request that we communicate confidential information to you over the Internet. If you choose to communicate confidential information to us over the Internet or request that we communicate information to you over the Internet, Popular will not be responsible or in any way liable for any losses or damages you may incur as the result of such communication(s).
POPULAR DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, SERVICE OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED, OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS. POPULAR DOES NOT WARRANT THE ACCURACY, COMPLETENESS, QUALITY, ADEQUACY OR CONTENT OF ANY INFORMATION OR TOOL ON THE SITE OR ANY OTHER WEBPAGE OR WEBSITE LINKED OR REFERENCED ON THE SITE, NOR DOES POPULAR MAKE ANY REPRESENTATION OR WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE OR ANY OTHER WEBPAGE OR WEBSITE LINKED OR REFERENCED ON THE SITE. THE SITE AND ITS CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. ALL INFORMATION PROVIDED ON THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. POPULAR CANNOT ENSURE THAT ANY FILES OR OTHER DATA YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. POPULAR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, ACCURACY, TITLE, QUIET ENJOYMENT, NO ENCUMBRANCES, NO LIENS AND NON-INFRINGEMENT. POPULAR DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE AND/OR ANY POPULAR SERVICES. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES. YOUR SOLE REMEDY AGAINST POPULAR FOR DISSATISFACTION WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS AN ESSENTIAL PART OF THE BARGAIN BETWEEN THE PARTIES. The above disclaimer applies to any damages, liability or injuries caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction of or unauthorized access to, alteration of, or use, whether for breach of contract, tort, negligence or any other cause of action. Popular reserves the right to do any of the following, at any time, without notice: (1) to modify, suspend or terminate operation of or access to the Site, or any portion of the Site, for any reason; (2) to modify or change the Site, or any portion of the Site, and any applicable policies or terms; and (3) to interrupt the operation of the Site, or any portion of the Site, as necessary to perform routine or non-routine maintenance, error correction, or other changes.
9. Limitation of Liability
POPULAR WILL NOT BE RESPONSIBLE OR LIABLE IN ANY WAY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, LOST REVENUES, LOST PROFITS OR PROSPECTIVE ECONOMIC ADVANTAGE, RESULTING FROM ANY USE OR MISUSE OF THE SITE OR ANY OTHER WEBPAGE OR WEBSITE LINKED OR REFERENCED ON THE SITE, OR RELIANCE ON THE INFORMATION, DOCUMENTS, SOFTWARE OR CONTENT HEREOF OR THEREOF, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SUCH ARE REASONABLY FORSEEABLE.
10. Weblinking Practices
Popular is committed to providing you with the most complete information possible to help you make sound financial decisions. As a convenience to you, Popular may provide access to information, products or services offered on websites or Internet resources that are owned or operated by other companies, that are not otherwise affiliates of Popular (“third-party website”). We provide this access through the use of hyperlinks that automatically move you from and out of Popular webpages or websites (including, as the case may be, the Site) to a third-party website. When you link from an applicable Popular webpage or website to a third-party website, the linked site may appear in a new browser window or an alert will appear to notify you that you are leaving a Popular Site, as the case may be.
Hyperlinks to third-party websites are solely for informational purposes and for use at your own risk. Popular cannot and does not endorse, approve or guarantee information, products, services or recommendations provided at a third-party website, and disclaims any and all liability in connection therewith. Because Popular does not control third-party websites, we may not always know when information on a linked third-party website changes. Therefore, Popular is not responsible for the content or accuracy of any third-party website and Popular will not be responsible for any loss or damage of any sort resulting from the use of a hyperlink on its website nor will it be liable for any failure of products or services advertised or provided on these linked third-party websites.
Here are some tips to help you tell if you have left the Site:
Popular is committed to providing you with quality online services. If you find any information on any Popular webpage or website (including, as the case may be, the Site) that you believe to be inaccurate or have concerns about a hyperlink to a third-party website, please e-mail us at the e-mail address below.
11. Third Party Companies and Products
Mention of third-party products, companies and websites on the Site is for informational purposes only and constitutes neither an endorsement nor a recommendation. Popular assumes no responsibility and disclaims any and all liability with regard to the selection, performance or use of these products or vendors. Popular provides this only as a convenience to our users. Popular has not tested any software found on these sites and makes no representations regarding the quality, safety, or suitability of any software found there. There are dangers inherent in the use of any software found on the Internet, and Popular assumes no responsibility with regard to the performance or use of these products. Make sure that you completely understand the risks before retrieving any software on the Internet.
12. Third Party Account Information
By using any applicable online banking or account linking service or any similarly applicable service throughout the Site, you authorize Popular and its agents to access third party sites designated by you or on your behalf, to retrieve information requested by you, and you appoint Popular and its agents as your agent for this limited purpose. Each time you enter your account login information, you are permitting Popular and its agents to process your request and use information submitted by you to accomplish the foregoing.
Additional terms and conditions apply relative to the electronic banking services for Popular Direct deposit products offered by Banco Popular North America. Click here to view the terms and conditions applicable to each available service and its use.
15. Accessible Banking for Popular Direct Products offered by Banco Popular North America
Popular is committed to satisfy the financial needs of all our customers. We strive to provide a safe, dependable and inclusive banking system that provides excellent service to all our clients in addition to providing them with access to the products, services and tools to meet their banking needs, including those with disabilities. The following are the different services available through our Customer Care Center relative to Popular Direct deposit products offered by Banco Popular North America to make banking easier and more convenient.
Our Auxiliary Aids and Services include:
Popular is committed and engaged in efforts to meet online usability and web page design requirements recommended by the World Wide Web Consortium (W3C) in its Web Content Accessibility Guidelines 2.0. Some of our Online Accessibility features include optimization of site code and skip navigation links to work with Screen Reader Software such as JAWS.
For more information
If you have questions, suggestions, comments or concerns regarding Accessible Services relative to Popular Direct deposit products offered by Banco Popular North America, please contact our Customer Care Center via mail, e-mail or phone for further guidance.
E-mail: [email protected]
Banco Popular North America
Attn: Popular Direct Care Center
P.O. Box 4884
Miami Lakes, FL 33014
All Popular Direct deposit products are offered by, and will be opened through, Banco Popular North America (“BPNA”). BPNA is a Member FDIC institution and a New York state chartered bank. Processing services for all Popular Direct deposit products are provided by BPNA. All deposits with BPNA (including deposits through Popular Direct deposit products) are insured by the FDIC up to the applicable maximum amount allowed by law for each deposit ownership category. All balances for Popular Direct and BPNA deposits would be combined for purposes of determining FDIC coverage eligibility. For more information about FDIC Insurance coverage of deposit accounts, visit https://www.fdic.gov/deposit/deposits
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