Welcome to Balboa Bank & Trust S.A. ("we," "our," "us"). By accessing or using our website, mobile applications, or services (collectively referred to as "Services"), you agree to comply with and be bound by the following Terms and Conditions ("Terms"). If you do not agree to these Terms, please refrain from using our Services.
You must be at least 18 years old and capable of forming a legally binding contract to use our Services. By using our Services, you represent and warrant that you meet these eligibility requirements.
To access certain features of our Services, you may be required to create an account with us. When registering for an account, you agree to provide accurate, complete, and up-to-date information. You are responsible for maintaining the confidentiality of your account login credentials and for all activities that occur under your account.
You agree to use our Services only for lawful purposes and in accordance with these Terms. You may not use our Services:
Your use of our Services is also governed by our Privacy Policy, which can be found here and is incorporated by reference into these Terms.
Certain Services may require payment of fees. You agree to pay all fees and charges associated with your use of our Services. We reserve the right to change our fees at any time, and we will provide you with notice of any material changes to our fee structure.
You are responsible for maintaining the security of your account and notifying us immediately of any unauthorized use of your account. We take the security of your account seriously and employ industry-standard security measures, but you are also responsible for ensuring the security of your device and internet connection.
To the fullest extent permitted by law, Balboa Bank & Trust S.A. and its affiliates, partners, officers, directors, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, whether in contract, tort (including negligence), or otherwise, arising out of or in connection with your use or inability to use our Services.
You agree to indemnify, defend, and hold harmless Balboa Bank & Trust S.A., its affiliates, officers, directors, and employees from any claims, losses, liabilities, damages, and expenses (including legal fees) arising out of or related to your use of our Services, your violation of these Terms, or any third-party rights.
Our website and Services may contain links to third-party websites or services. These links are provided for convenience and do not imply endorsement. We are not responsible for the content, privacy practices, or terms and conditions of third-party websites.
We reserve the right to modify or revise these Terms at any time. When we update these Terms, we will post the revised version on our website with an updated "Effective Date." It is your responsibility to review these Terms regularly for any changes. Your continued use of our Services after such changes constitutes your acceptance of the updated Terms.
We may suspend or terminate your access to our Services at our sole discretion, without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use our Services will immediately cease.
These Terms shall be governed by and construed in accordance with the laws of [Insert Jurisdiction], without regard to its conflict of law principles. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in [Insert Jurisdiction].
We will not be liable for any failure or delay in performance of our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, strikes, labor disputes, network outages, or government actions.
If any provision of these Terms is determined to be illegal, invalid, or unenforceable, the remaining provisions will remain in full force and effect.
If you have any questions or concerns about these Terms, please contact us at:
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