Terms and Conditions


Terms of Use

Welcome to the BPI Direct BanKo website.

These Terms of Use govern your use of our website. By accessing or using this website in any way, you are agreeing to be bound by the following terms and conditions (the “Terms”). If you do not agree with anything in this Terms you should not use this website.

In these Terms, the words “the bank”, “we”, “our” and “us” or “BanKo” refer to BPI Direct BanKo, Inc.,  A Savings Bank, and “you” or “your” refer to the user or viewer of our website.

Use of Website
We give limited, non-transferable, non-exclusive, revocable permission to you to access and make personal, non-commercial use of this site and site content as a support and communication resource, subject to restrictions below:

  • you shall not copy, reproduce, duplicate or otherwise exploit material on our website for a commercial use;
  • you may electronically copy and print in hard copy forms made available on this site, provided all copyright and proprietary notices are retained;
  • you shall not edit or modify any of the site content;
  • you shall not republish materials from this website without prior consent from BanKo;
  • you shall not sell, rent or otherwise sub-license material from the website;
  • you shall not redistribute material from this website, except for content specifically and expressly made available for redistribution

Access to, and use of this site, including viewing, downloading, printing and reproducing of pages, images and other content on this site, which has been originated and provided directly by us, is prohibited unless specifically permitted in these Terms.
This website is frequently updated and enhanced, and new content is added as it becomes available. However, while we endeavor to ensure that the site content is correct and updated, we give no warranty that materials and information on this site will be constantly available and kept up to date. The content of the pages of this website is for the user’s general information only and should not form the sole basis for your decision to avail of products and services, nor should they in any way be considered as substitute for individual professional advice tailored to individual needs. BanKo shall not be liable for any consequence resulting from the use of any of the information or materials found in this website, and it shall be your responsibility to check whether or not the products, services or information available through this website meet your specific requirements, or if said information is accurate, current or updated.

You shall not use this website in any way that causes, or may cause, damage to the website or impair the availability or accessibility of the website to other users. You shall not use the website for any unlawful, illegal or fraudulent purposes, nor introduce in the website any spyware, malware, viruses, worms, or other harmful or malicious codes. You shall not use this website in a way that breaches these Terms or that causes or is likely to cause any damage, interruption or impairment of this website. If you breach these Terms in any way, we may take such action as we deem appropriate to deal with the breach.

BanKo reserves the right to suspend, remove, disable or discontinue this website at any time and in any case without notice. In any such event, you agree that BanKo shall in no event be liable to you or any person for any and all claims, liabilities, costs, payments, damages and expenses, arising from or in connection with the suspension, removal, disabling or discontinuance of this website.

Intellectual Property Rights
This website contains materials which are owned by or licensed to BanKo, and are fully protected by appropriate copyright and other intellectual property rights laws. These materials include, but are not limited to, the logo, design, layout, look, appearance, and graphics. Reproduction or use of these materials in any format, digital or otherwise, for purposes of promotion, publication, display or distribution is prohibited without a written permission from BanKo. Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.

Your Data
By using this website, you are giving your consent to BanKo to collect non-identifiable information in order to track and serve relevant contents. Further, in the course of your access to the website, BanKo may collect personal information relating to you. BanKo will treat all information and data you submit to us in accordance with BanKo’s Data Privacy Statement which explains how BanKo collects, protects, uses, shares and stores the personal information, and is deemed incorporated herein by reference. You understand that your continued access to this website will constitute your acceptance of BanKo’s Data Privacy Statement as the same may be revised or updated from time to time.

To the full extent allowed by applicable laws, all warranties, whether express or implied by law or statute, are excluded from these Terms, including, but not limited to, any implied warranties of merchantability, title, fitness for a particular purpose, and non-infringement. BanKo does not represent or warrant that the website will meet your requirements, will be uninterrupted, timely, secure or free from error, and will be compatible with future products or services of BanKo. Access to the website is provided as is.

You agree to hold BanKo, its parent, subsidiaries and affiliates, including any of their respective directors, officers and representatives, free and harmless, and indemnified, from any and all liabilities, claims, damages and suits of whatever nature, arising out of or in connection with your access or use of this website. To the full extent allowed by applicable laws, BanKo shall not be liable to you for any personal injury, or for any direct, special, consequential, indirect, incidental or punitive damages whatsoever, including, without limitation, damages for loss of profits or actual or anticipated revenue, loss of data, business interruption or any other commercial losses or damages, arising out of or in connection with your use or access of this website, howsoever caused, whether under a theory of contract, warranty, tort (including negligence), product liability, or otherwise, irrespective of whether you have advised BanKo of the possibility of any such loss or damage. BanKo will not be liable for any losses resulting from circumstances over which BanKo has no direct control, including, but not limited to, the failure of electronic or mechanical equipment or communication lines or other interconnection problems, system downtime, or act of government authority.

BanKo may modify, amend or revise these Terms from time to time. Continued use of the website will constitute your acceptance of any such modifications, amendment or revisions to these Terms.

Governing Law and Venue

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising hereunder shall be submitted to the exclusive jurisdiction of the proper courts of Makati City, Philippines, to the exclusion of all other venues.

2.) Products, Services, Facilities and Channels

For Terms and Conditions on BPI Direct BanKo, Inc. Products, Services, Facilities and Channels, click here