Terms and Conditions

Banco Popular North America

Terms and Conditions of Use for Popular Direct Online Banking

1. Notice

PLEASE READ THESE TERMS AND CONDITIONS OF USE FOR POPULAR DIRECT ONLINE BANKING (THESE “TERMS OF USE”) CAREFULLY. 

BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS OF USE HEREIN. IF YOU DO NOT AGREE TO THE TERMS OF USE HEREIN, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF. NOT ALL PRODUCTS AND SERVICES ARE AVAILABLE IN ALL GEOGRAPHIC AREAS. YOUR ELIGIBILITY FOR PARTICULAR PRODUCTS AND SERVICES IS SUBJECT TO FINAL DETERMINATION BY, AS APPLICABLE, BANCO POPULAR NORTH AMERICA AND/OR ITS SUBSIDIARIES AND/OR ITS AFFILIATES, INCLUDING POPULAR, INC., AS THE CASE MAY BE.

2. Ownership of Site; Agreement to Terms of Use

This is an agreement between you and Banco Popular North America (or any one or more of its subsidiaries or affiliates, including Popular, Inc., as the case may be) (collectively, “Popular”, “we”, “us” or “our”). The Terms of Use contained in this document shall govern your use of any website or webpage operated by Popular relative to Popular Direct deposit products offered by Banco Popular North America (collectively, the “Site”). The Site is the property of Popular and its licensors. These Terms of Use apply to the websites located at www.populardirect.comand any other applicable website, webpage or sites owned, operated and/or linked thereto by Popular relative to Popular Direct deposit products offered by Banco Popular North America.  All Popular Direct deposit products are offered by, and will be opened through, Banco Popular North America.  Banco Popular North America is a Member FDIC institution and a New York state chartered bank. Processing services for all Popular Direct deposit products, including those processing services conducted online through any applicable website, webpage or sites owned, operated and/or linked thereto by Popular relative to Popular Direct deposit products offered by Banco Popular North America (including the Site), are provided by Banco Popular North America.  

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). 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 ongoing responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you unconditionally 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 Site.

 

3. Additional Terms

Any Popular website, including the Site, 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, products 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 the additional terms or conditions will govern for those pages or sections, as applicable. Use of the Site shall be governed by all applicable federal, state and territorial laws, as applicable. Information or Content on the Site is not intended to be tax or legal advice. Information or Content cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Popular does not provide legal or tax advice. You should review your particular circumstances with your independent legal and tax advisors, professionals and/or consultants.  These Terms of Use shall be construed in accordance with the laws of the State of New York, and any arbitration or judicial proceedings to enforce or interpret the terms hereof may be brought only in the State of New York.

4. Content

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.

All information and Content on the Site is protected under the copyright and trademark laws of the United States and other countries, as applicable. Except as expressly provided in these Terms of Use, no part of the Site 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. Any unauthorized use, downloading, re-transmission, display, distribution or other copying, or modification of any copyrightable matter in the above and/or the Content on the Site herein is strictly prohibited, and could subject those engaging in such activities to legal action.

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

You agree that in accessing or using the Site you will not engage in any activities that violate or are contrary to any applicable laws, regulations, or rules in addition to any terms and conditions you may have agreed to with Popular. You expressly agree not to misuse the Site or any Content. 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 Site or any Content, or in any way to reproduce or circumvent the navigational structure or presentation of the Site or any Content, or to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Site. Popular 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 Popular 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 Popular, including any Popular account not owned by you, 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 Popular’s systems or networks, or any systems or networks connected to the Site 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 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 Popular 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 Popular or others.

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).

7. Privacy

Banco Popular North America’s Privacy Policy and applicable Online Security and Online Privacy Practices apply to use of the Site, and its terms are made a part of these Terms of Use. To view Banco Popular North America’s Privacy Policy, click here. Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Site may be read or intercepted by others, even if there is a special notice that a particular transmission (for example, account information) is encrypted.

8. Disclaimers

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.

Popular offers hyperlinks to you on an “as is”, “as available” basis. When you visit a third-party website by using a hyperlink on a Popular website (including, as the case may be, the Site), you will no longer be protected by Popular’s privacy policies 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 the Site:

  • 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 logo of a different company on the linked third-party website, or the words “Powered by”, “Brought to you by”, or “Provided by”.
  • The layout and content of the navigation tools on the linked third-party website are different from Popular’s navigation content or layout.
  • The navigation hyperlink(s) 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 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.

13. Electronic Banking Services Terms of Use and Privacy Statement

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.

14. Violation of These Terms of 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 (including, but not limited to, any governmental or law enforcement inquiry) regarding your use of the Site, 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 Site, 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, including in connection with assisting the government fight the funding of terrorism and money laundering activities and complying with any and all applicable laws, rules or regulations in relation thereto. 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 Site or any service offered on or through the Site, 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 Site, or the public. You agree that Popular may, in its sole discretion, at any time and without prior notice, terminate your access to the Site and/or block your future access to the Site 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 Site 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 Site or any service offered on or through the Site, or (4) unexpected technical issues or problems.

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:

  • Braille or Large Print Statements and Notifications (if applicable) – You can receive your deposit account statements and notifications in any of these formats at no additional cost. To request the service, please contact 1-800-274-5696.
  • Automated Interactive Voice Response (IVR) System – Customers may access account information through our IVR system.  The IVR is an automated system which allows customers to access their account information using a touchtone keypad and following audio prompts. For details or to access your applicable account, please call 1-800-274-5696.  
  • Telecommunications Relay Services (if applicable) – We accept calls from relay services. Customers may utilize the “711”Telecommunications Relay Service (TRS) to communicate with our Customer Care Center and obtain account information and/or perform account maintenance.  TRS allows individuals with hearing or speech disabilities to use the telephone system via a text telephone (TTY) or other device.  For more information, please visit https://www.fcc.gov/consumers/guides/711-telecommunications-relay-service.

 Web Accessibility

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.

Phone: 1-800-274-5696

E-mail: [email protected]

Mail: 

Banco Popular North America

Attn: Popular Direct Care Center

P.O. Box 4884

Miami Lakes, FL 33014