Terms and Conditions of Use

This is an agreement between you and Popular Inc. (or one of its subsidiaries or affiliates) (“Popular”). The terms and conditions of use (the “Terms of Use”) contained in this document shall govern your use of any website or webpage operated by Popular (the “Sitio”). The Sitio is the property of Popular and its licensors. These Terms of Use apply to the website located at www.popular.com, www.bppr.com, www.bancopopular.com and all sites linked thereto by Popular.

POPULAR OFFERS THE SITE TO YOU CONDITIONED ON YOUR ACCEPTANCE WITHOUT MODIFICATION OF THESE TERMS OF USE. YOUR USE OF THE SITE CONSTITUTES YOUR ACCEPTANCE OF THESE TERMS OF USE. THESE TERMS OF USE CONTAIN DISCLAIMERS OF WARRANTIES AND LIABILITY (see Sections 8 and 9) AND A DISPUTE RESOLUTION CLAUSE (see Section 15). THESE PROVISIONS FORM AN ESSENTIAL BASIS OF OUR BARGAIN.

Popular reserves the right, at its sole discretion, to change, modify, add, or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Sitio following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, Popular grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Sitio.

Any Popular website may itself contain additional terms (for example, codes of conduct or guidelines) that further govern use of that Popular website, including without limitation, particular features or offers (for example, sweepstakes). If any provision contained in these Terms of Use conflicts with any terms contained within any other Popular website, then these Terms of Use shall control.

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 Sitio is owned, controlled or licensed by or to Popular and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

POPULAR^®, BANCO POPULAR^®, POPULAR SECURITIES^®, POPULAR INSURANCE^®, among others, are service marks of Popular, Inc.

Except as expressly provided in these Terms of Use, no part of the Sitio and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, or distributed in any way (including “mirroring”) to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without Popular’s express prior written consent.

You may use information on Popular products and services (such as brochures, fact sheets, marketing and similar materials) purposely made available by Popular for downloading from the Sitio, 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.

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 access, acquire, copy or monitor any portion of the Sitio or any Content, or in any way to reproduce or circumvent the navigational structure or presentation of the Sitio or any Content, or to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Sitio. Popular reserves the right to bar any such activity. You may not attempt to gain unauthorized access to any portion or feature of the Sitio, or any other systems or networks connected to the Sitio or to any Popular server, or to any of the services offered on or through the Sitio, by hacking, password “mining” or any other illegitimate means. You may not probe, scan or test the vulnerability of the Sitio or any network connected to the Sitio, nor breach the security or authentication measures on the Sitio or any network connected to the Sitio. You may not reverse look-up, trace or seek to trace any information on any other user of or visitor to the Sitio, or any other customer of Popular, including any Popular account not owned by you, to its source, or exploit the Sitio or any service or information made available or offered by or through the Sitio, 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 Sitio. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Sitio or Popular's systems or networks, or any systems or networks connected to the Sitio or to Popular. You agree not to use any device, software, or routine to interfere or attempt to interfere with the proper working of the Sitio or any transaction being conducted on the Sitio, or with any other person's use of the Sitio. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to Popular on or through the Sitio or any service offered on or through the Sitio. 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 Sitio 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 Popular or others.

By using YouTube content available on this Sitio, you agree to comply with the YouTube Terms of Service, available at https://www.youtube.com/t/terms.

Unauthorized use of the Sitio 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.).

Certain features or services offered on or through the Sitio may require you to open an account (including setting up a Mi Banco username and password). You are entirely responsible for maintaining the confidentiality of your account information, including your password, and for any and all activity that occurs under your account. You agree to notify Popular immediately of any unauthorized use of your 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 Sitio due to someone else using your Mi Banco username, password or account. You may not use anyone else’s Mi Banco username, password or account at any time without the express permission and consent of the holder of that Mi Banco 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.

Popular's Privacy Policy applies to use of this Sitio, and its terms are made a part of these Terms of Use. To view Popular's Privacy Policy, click here. Additionally, by using the Sitio, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Sitio may be read or intercepted by others, even if there is a special notice that a particular transmission (for example, credit card information) is encrypted.

Popular's websites and online services are not directed to children under the age of thirteen (13) and do not encourage these children to provide their personal information. Consequently, our policy is that we will not knowingly collect personal information provided by children under the age of thirteen (13). If we obtain actual knowledge that we have collected such information, we will comply with the requirements of the Children's Online Privacy Protection Act (COPPA), including the deletion of such personal information from our systems. For additional information about COPPA, please visit the Federal Trade Commission's website at: www.FTC.gov.

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. 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 Sitio, or any portion of the Sitio, for any reason; (2) to modify or change the Sitio, or any portion of the Sitio, and any applicable policies or terms; and (3) to interrupt the operation of the Sitio, or any portion of the Sitio, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

Except where prohibited by law, in no event will Popular be liable to you for any indirect, consequential, exemplary, incidental, or punitive damages, including lost profits, even if Popular has been advised of the possibility of such damages.

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 with hyperlinks that automatically move you from and out of Popular websites to a third-party website. When you link from a Popular website to a third-party website, the linked site will appear in a new browser window, or an alert will appear to notify you that you are leaving the Popular website.

While we do our best to provide you with helpful, trustworthy resources, hyperlinks to third-party websites are solely for informational purposes. Popular cannot endorse, approve, or guarantee information, products, services, or recommendations provided at a third-party website. Because Popular does not control third-party websites, we may not always know when information on linked third-party websites content change. 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. Popular offers hyperlinks to you on an “as is” basis. When you visit a third-party website by using a hyperlink on a Popular website, you will no longer be protected by Popular’s privacy policy or security practices, as well as other policies. The data collection, use and protection practices of the linked third-party website may differ from the practices of Popular websites. You should familiarize yourself with the privacy policy and security practices of the linked third-party website before providing personal information. Those are the policies and practices that will apply to your use of the linked third-party website, NOT Popular’s policies and practices. In the event you conduct a transaction on a linked third-party website, Popular will not represent either members or the owner of the linked or accessed third-party website.

Here are some tips to help you tell if you have left Popular website:

• Instead of a Popular Internet address, the URL of the linked third-party website appears in the location box (or address field) of your web browser.
• The linked third-party website is shown in a new browser window. The appearance of the linked third-party website, including its colors and graphic design, is significantly different from the Popular website.
• The linked third-party website or webpage does not appear in a new browser, but you find one or more of the following:
  • The phrase “Popular linked third-party website” beneath the Popular logo.
  • The logo of a different company in the upper right-hand corner or other prominent location on the linked third-party website, along with the words “Powered by”, “Brought to you by”, or “Provided by”.
• The layout and content of the navigation tools on the left-hand side of the linked third-party website or in the header at the top of the new webpage are different from Popular's navigation.
• The first navigation hyperlink refers to a description of the company that sponsors the third-party website. It may be titled “About (Third Party’s Name)”.
• A third party's privacy policy and terms of use statement are identified instead of Popular's.
• Information in the footer at the bottom of the webpage contains information about a company other than Popular.

Popular is committed to providing you with quality online services. If you find any information on any Popular website that you believe to be inaccurate or have concerns about a hyperlink to a third-party website, please contact us through TeleBanco Popular.

Mention of third-party products, companies and web sites on the Sitio is for informational purposes only and constitutes neither an endorsement nor a recommendation. Popular assumes no responsibility 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.

By using the “My Accounts” (account linking) service through the Mi Banco, 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 to Popular's Electronic Banking Service. Click here to view the terms and conditions applicable to such service and its use.

Popular may disclose any information we have about you (including your identity) if we determine that such disclosure is necessary in connection with any investigation or complaint regarding your use of the Sitio, or to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) Popular's rights or property, or the rights or property of visitors to or users of the Sitio, including Popular's customers. Popular reserves the right at all times to disclose any information that Popular deems necessary to comply with any applicable law, regulation, legal process or governmental request. Popular also may disclose your information when Popular determines that applicable law requires or permits such disclosure, including exchanging information with other companies and organizations for fraud protection purposes. You acknowledge and agree that Popular may preserve any transmittal or communication by you with Popular through the Sitio or any service offered on or through the Sitio, and may also disclose such data if required to do so by law or if Popular determines that such preservation or disclosure is reasonably necessary (1) to comply with legal process, (2) to enforce these Terms of Use, (3) to respond to claims that any such data violates the rights of others, or (4) to protect the rights, property or personal safety of Popular, its employees, users of or visitors to the Sitio, or the public. You agree that Popular may, in its sole discretion and without prior notice, terminate your access to the Sitio and/or block your future access to the Sitio if we determine that you have violated these Terms of Use or other agreements or guidelines which may be associated with your use of the Sitio or for other cause, which includes (but is not limited to) (1) requests by law enforcement or other government agencies, (2) a request by you (self-initiated account deletions), (3) discontinuance or material modification of the Sitio or any service offered on or through the Sitio, or (4) unexpected technical issues or problems.

The parties agree that any controversy or claim between them or against any agent, employee, successor, or assign of the other, whether related to these Terms of Use or your use of the Sitio or otherwise, and any claim or dispute related to these Terms of Use or your use of the Sitio or duties contemplated under these Terms of Use, including the validity of this arbitration clause (the “Claim”), shall be settled by binding arbitration administered by the American Arbitration Association in accordance with the then current Commercial Arbitration Rules and this provision and shall be aired in the Commonwealth of Puerto Rico. The arbitration shall be governed by the United States Arbitration Act, 9 U.S.C. §§ 1-16 to the exclusion of any provision of state law inconsistent therewith or which would produce a different result. A single, neutral arbitrator shall determine the Claim of the parties and render a final award in accordance with the substantive law applicable. Strict confidentiality shall govern any arbitration proceedings, any and all information submitted to the arbitrator by the parties and to the decision or award entered by the arbitrator. Any court having jurisdiction may enter judgment upon the award rendered by the arbitrator. The terms hereof shall not limit any obligation of a party to defend, indemnify or hold harmless another party against court proceedings or other claims, losses, damages, or expenses.

The procedures specified in this Section shall be the sole and exclusive procedures for the resolution of disputes between the parties arising out of or relating to your use of the Sitio; provided, however, that a party may request temporary remedies in a court of law to maintain the status quo or to protect goods or property until the arbitration has initiated and the selected arbitrator has had the opportunity to resolve the request for temporary relief.

Each party is required to continue to perform its obligations under these Terms of Use pending final resolution of any dispute arising out of or relating to these Terms of Use and your use of the Sitio, unless to do so would be impossible or impracticable under the circumstances.