Website Terms and Conditions
These terms and conditions govern your use of our website: by using our website, you accept these terms and conditions in full. If you disagree with any part of these terms and conditions, do not use our website.
In these terms and conditions, "we" and "us" or "BPI Europe Plc" means Bank of the Philippine Islands (Europe) Plc.
2. INTELLECTUAL PROPERTY RIGHTS
Unless otherwise stated, we or our licensors own the intellectual property rights in the website and material on the website. The copyright in the material contained in the Website, together with the website content, design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to BPI Europe Plc, its affiliates or the providers of such information. All rights are reserved. None of this material may be reproduced or redistributed without our written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.
Logos, names, images and trademarks on the Website are propriety rights of BPI Europe Plc. Nothing on the Website confers on any user the right to use any such logo, name, image or trademark.
You shall retain ownership of all copyright in data you submit to the Website. You grant us to store, use and analyze customer information and data about you, either here in the United Kingdom, or any country outside the United Kingdom for marketing and regulatory purposes including but not limited to money laundering.
3. ACCESS TO THE WEBSITE AND CONTENT
We reserve the right to change, modify, substitute or remove without notice any information on the Website from time to time.
We assume no responsibility for the contents of any other websites to which the Website has links. You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions below.
You must not:
a. republish material from this website (including republication on another website);
b. edit or otherwise modify any material on the website; or
c. redistribute material from this website except for content specifically and expressly made available for redistribution.
4. LIMITATIONS OF LIABILITY
We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology.
The information on this website is provided free-of-charge, and you acknowledge that it would be unreasonable to hold us liable in respect of this website and the information on this website.
Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date.
To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill).
Our liability is limited and excluded to the maximum extent permitted under applicable law. We will not be liable for any direct or indirect loss or damage arising under these terms and conditions or in connection with our website, whether arising in tort, contract, or otherwise. Without limiting the generality of the foregoing exclusion, we will not be liable for any loss of profit, contracts, business, goodwill, data, income, revenue or anticipated savings arising under terms and conditions or in connection with our website, whether direct or indirect, and whether arising in tort, contract, or otherwise.
However, nothing in these terms and conditions shall exclude or limit our liability for fraud, for death or personal injury caused by our negligence, or for any other liability which cannot be excluded or limited under applicable law.
5. RESTRICTED ACCESS
We reserve the right to restrict access to other areas of our website, or indeed our whole website, at our discretion.
If we provide you with a user ID and password to enable you to access restricted areas of our website or other content or services, you must ensure that that user ID and password is kept confidential. You accept responsibility for all activities that occur under your user ID or password.
We may disable your user ID and password at our sole discretion OR if you breach any of the policies or terms governing your use of our website or any other contractual obligation you owe to us.
We may revise these terms and conditions from time-to-time. Please check this page regularly to ensure you are familiar with the current version.
7. ENTIRE AGREEMENT
These terms and conditions constitute the entire agreement between you and us in relation to your use of our website, and supersede all previous agreements in respect of your use of this website.
8. LAW AND JURISDICTION
This notice will be governed by and construed in accordance with English law, and any disputes relating to this notice shall be subject to the exclusive jurisdiction of the courts of England.
9. THE FINANCIAL SERVICES COMPENSATION SCHEME
The Financial Services Compensation Scheme (FSCS) protects most depositors, including individuals and small companies, up to £85,000 until 31 December 2015.
Eligible deposits of large companies and small local authorities, which have not previously been protected, are now eligible for FSCS protection from 03 July 2015 onwards. The protection limit for these deposits is at £75,000.
From 01 January 2016, the FSCS will protect most eligible deposits up to a total of £75,000. Any deposits you hold above the limit are unlikely to be covered.
Please ask your branch of account or visit www.fscs.org.uk for further information.
10. REGISTRATIONS AND AUTHORISATIONS
Bank of the Philippine Islands (Europe) Plc is registered in England and Wales. Register No. 05888535. Authorized and regulated by the Financial Services Authority. Registered office: 28/29 Threadneedle Street, London EC2R 8AY.
11. YOUR FEEDBACK
We would be glad to hear from you. If you feel unhappy or have any concerns with the service you have received from us, let us know. Letting us know your concerns gives us the opportunity to put matters right for you and improve our service to all our customers. You can complain in person at our branch, in writing, by email or by telephone. Alternatively you can write to BPI Europe Plc, 28/29 Threadneedle Street London EC2R 8AY.
BPI Europe Plc is authorised and regulated by the Financial Services Authority. Should you remain dissatisfied after a full investigation by us, we will advise you of the appropriate organisation to whom you can refer for an independent and impartial investigation, and appropriate compensation arrangements.
BPI Europe Plc is covered by the Financial Ombudsman Service. If you want to complain, you may do so in person, in writing, by post, fax, e-mail, or by telephone. If we do not resolve your complaint internally to your satisfaction, you may be able to refer it to the Financial Ombudsman Service at Exchange Tower London E14 9SR. You may also contact them by email firstname.lastname@example.org or call them at +44 207 964 1000 (for UK and international calls) or send fax to 0207 964 1001.