1. Agreement to Terms
By accessing or using Banco de Pablo's services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our services.
2. Account Registration
To use our services, you must:
- Be at least 18 years old
- Provide accurate and complete information
- Maintain the security of your account credentials
- Notify us immediately of any unauthorized access
- Comply with all applicable laws and regulations
3. Banking Services
Our banking services are subject to:
- Applicable banking laws and regulations
- Account-specific terms and conditions
- Transaction limits and fees
- Security requirements and procedures
- Service availability and maintenance schedules
4. User Responsibilities
You are responsible for:
- Maintaining accurate account information
- Protecting your account credentials
- Reporting suspicious activities
- Maintaining sufficient funds for transactions
- Complying with all applicable laws
5. Fees and Charges
We may charge fees for:
- Account maintenance
- Transactions and transfers
- Overdrafts and insufficient funds
- Special services and requests
- Late payments and penalties
6. Intellectual Property
All content and materials available through our services are protected by intellectual property rights. You may not:
- Copy or modify our materials
- Use our trademarks without permission
- Remove any copyright notices
- Use our services for unauthorized purposes
7. Limitation of Liability
Banco de Pablo is not liable for:
- Indirect or consequential damages
- Loss of profits or data
- Service interruptions
- Third-party actions or content
- Force majeure events
8. Changes to Terms
We reserve the right to modify these terms at any time. We will notify you of any material changes through:
- Email notifications
- Website announcements
- Account statements
- Mobile app notifications
9. Contact Information
For questions about these terms, contact us at:
- Email: legal@bancodepablo.com
- Phone: 1-800-BDP-LEGAL
- Address: Legal Department, Banco de Pablo, 123 Financial District, Manila, Philippines