Such Accounts, products, services, facilities and channels shall be subject to and governed by the Terms and Conditions set forth herein or as the same may be amended, modified and revised from time to time.
All terms and conditions of existing current, savings, time deposit and/or such other account agreements with the Bank, insofar as these are not inconsistent with the terms and conditions governing all the other Bank products, services, facilities and channels, shall remain in full force and effect and shall form part hereof.
- The Terms and Conditions herein shall be governed by and construed in accordance with the applicable laws of the Republic of the Philippines and by the Bank’s by-laws, regulations and practices which shall be brought to your attention by publication, display, advertisement, posters including posting on the Bank’s website or otherwise, by electronic mail, facsimile transmission or by such other electronic transmission including short messaging service or similar means of delivery and you submit to the non-exclusive jurisdiction of Philippine courts.
All circulars, rules and regulations and guidelines of Bangko Sentral ng Pilipinas (BSP), Philippine Deposit Insurance Corporation (PDIC), Anti-Money Laundering Council (AMLC) and such other regulatory bodies on, among others, deposit accounts/investment placements shall form part of and shall be deemed incorporated by reference into these Terms and Conditions.
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The terms "you" and/or "your" shall refer to the accountholder(s) of any of the Bank of the Philippine Islands or BPI Family Savings Bank, Inc. or any member of the BPI Unibank or any of its subsidiaries and affiliates.
– The Accounts may be opened and maintained at the sole discretion of the Bank, upon your compliance with all the account opening/maintenance/documentary requirements as may be required/imposed by the Bank from time to time such as, but not limited to, "Know Your Customer" ("KYC") as required by the AMLC, the submission of duly completed and executed account opening forms, the appropriate corporate Board Resolutions and approvals, delivery of the initial deposit amount and such other supporting documents as may be prescribed by the Bank.
In case of debits/payments from your Account, you represent that you have authorized such debits/payments to the payee.
The Bank is hereby authorized to effect any adjustments on what has been credited to/debited from the Accounts to, among others, correct any error or mistake committed, without need for any further instrument, deed, consent or authorization.
In the case of check deposits, the Bank acts only as your collecting agent in receiving your checks and other items/documents for collection.
You further agree to assume full responsibility for the correctness, authenticity and validity of all endorsements appearing on the checks or other items deposited to the Bank.