By visiting, using and/or submitting information to Orco Bank Online, you are accepting the practices described in this Privacy Policy and our Agreement of Terms of Use located at https://online.orcobank.com/templates/logon/logon.cfm
Orco Bank Online is owned and operated by Orco Bank N.V. a corporation (“Orco Bank”). Orco Bank knows that you care how information about you is collected over the Internet and shared with others, so Orco Bank created this Privacy Policy to disclose our most current policies regarding the use of information collected from you over the Internet by Orco Bank, including your Personal Information (as defined below).
Applicability of this Privacy Policy
This Privacy Policy applies to you, Orco Bank, its affiliates, its contracted third party service providers and the Internet website located at https://online.orcobank.com/templates/logon/logon.cfm ("Orco Bank Online"). This Privacy Policy is a statement of Orco Bank's current policies with regard to how information about you is collected by Orco Bank via Orco Bank Online, used and managed by Orco Bank and its affiliates, and shared with other third parties in order to respond to your requests, personalize your Orco Bank Online experience, and provide financial products and services to you, including access to your Orco Bank account(s) via Orco Bank Online.
Orco Bank’s Collection of Personal Information
"Personal Information" is data and information that specifically identifies or relates to you and which may or may not be publicly available. It includes, but is not limited to, your name, your postal address, your email address, your telephone number, your demographic information, your credit card number(s), your bank account number(s), tax information and other relevant information related to you and your household and finances. It does not include anonymous aggregate statistics or IP address information that Orco Bank may collect.
You are required to provide Orco Bank with Personal Information in order to access and use the online services offered by Orco Bank Online. The Personal Information that you provide must be accurate, complete and current in order to process your online requests and provide you with Internet access to your account(s) with Orco Bank.
Orco Bank's Use of Your Personal Information
Orco Bank uses your Personal Information within Orco Bank's internal organization and among its affiliates and other third party service providers selected by Orco Bank in Orco Bank’s sole discretion. Potential uses of your Personal Information include, but are not limited to, one or more of the following: (i) fulfilling your online banking orders and requests;
(ii) notifying you of promotions, website updates, upcoming events and new products and services;
(iii) working with credit reporting agencies to determine and report upon your creditworthiness; and
(iv) as described below, cooperating with regulatory and law enforcement agencies as permitted and/or required by law.
Orco Bank also reserves the right to share or disclose your Personal Information when it determines, in its sole discretion, that the disclosure of such Personal Information is necessary to identify, contact, or bring legal action against you if you may be:
(i) causing intentional or unintentional injury to Orco Bank or another;
(ii) interfering with another’s rights or property, including Orco Bank’s rights or property; and/or
(iii) violating this Privacy Policy, the Agreement of Terms of Use and/or any applicable law, rule or regulation, and/or if such disclosure is required by any applicable law, rule or regulation and/or is at the request of authorities in the event of any act of terrorism or instance or local, regional or national emergency.
Correcting, Updating or Changing Selections Regarding Your Personal Information
Once you provide Personal Information to Orco Bank, you must promptly inform Orco Bank of any changes to, or updates of, your Personal Information. You may at any time request a copy of the Personal Information, update that information, or change any selections you have made with regard to Orco Bank's use of that information. If you close your account(s) with Orco Bank, we will continue to treat your Personal Information in accordance with the terms of the most current version of this Privacy Policy.
In order to access, update or change selections for use of Personal Information that you provide, please contact Orco Bank either at the postal address listed at the end of this Privacy Policy, or via email at online.support@orcobank.com. Orco Bank will accordingly furnish you with a copy of your Personal Information, or change its records to remove, update or change selections regarding your
Orco Bank's Use of Cookies and Other Tracking Practices
Like many other Internet websites, Orco Bank utilizes “cookies” to automatically track and store preferential information about you as you use and navigate Orco Bank Online. “Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored on your hard drive by your web browser. Cookies track your personal preferences and activities, but in no way contain or refer to any Personal Information. Non-personal information collected from users by Orco Bank's cookies includes, but is not limited to:
(i) the type of web browser used;
(ii) IP addresses;
(iii) the type of computer used; and
(iv) home server domain names.
Orco Bank's use of cookies allows Orco Bank to facilitate your online transactions and to aggregate certain information about the users of Orco Bank Online. The aggregated information helps Orco Bank to serve you better by compiling user preferences and statistical data to improve the offerings and features of Orco Bank Online. Orco Bank may use the aggregated information to, among other things:
(i) develop new products and services;
(ii) improve website content;
(iii) track and report click-through; and
(iv) customize website layouts. Orco Bank may also share, loan, rent, or sell this anonymous, aggregated information, but remember that the aggregated information contains absolutely no Personal Information.
If you do not want Orco Bank Online cookies to be inserted into your hard drive, you can disable your hard drive’s ability to accept and receive cookies through your web browser. However, keep in mind that if you disable your hard drive’s ability to accept and receive cookies, you may not be able to conduct some online transactions or fully utilize all of the convenience features of Orco Bank Online.
Security of Your Submissions and Transmissions
Orco Bank utilizes its best efforts to protect the security of any information submitted or transmitted by you via Orco Bank Online, including, but not limited to, your Personal Information. Orco Bank maintains physical, electronic and procedural safeguards, including firewalls and 128-bit encryption. However, in the unlikely event that an unauthorized third party compromises Orco Bank's security measures, Orco Bank is not responsible for any breach of security or occurrences or damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate your submissions or transmissions to Orco Bank Online, or your Personal Information.
Links to Other Internet Websites on Orco Bank Online
This Privacy Policy applies solely to Orco Bank Online. Orco Bank Online may contain links to other Internet websites. Such links are not an endorsement by Orco Bank of those websites and/or the companies who own or sponsor them, nor the products and/or services that may be offered there. Orco Bank makes no representations or warranties about, nor is it responsible for, the privacy practices of linked Internet websites. When you enter a linked Internet website, Orco Bank encourages you to carefully read the privacy policy of that linked website, as its privacy policy may differ substantially from that of this Privacy Policy.
Access and Use by Minors
Orco Bank Online is not intended to be accessed or utilized by persons under the age of 18. Orco Bank does not intend or purposefully attempt to award prizes to, or gather information from, children under the age of 18.
Changes to this Privacy Policy
Orco Bank developed this Privacy Policy as a manifestation of our firm commitment to disclose our current Internet privacy and confidentiality policies to you. However, Orco Bank reserves the right to amend this Privacy Policy at any time in its sole discretion and without notice. Changes, revisions or deletions with regard to this Privacy Policy shall be effective immediately upon their inclusion in, or deletion from, this Privacy Policy, and the posting of the same in this Privacy Policy on Orco Bank Online
Any information we collect from you is subject only to our most current Privacy Policy. You are advised and encouraged to visit Orco Bank Online on a regular basis to review our most current Privacy Policy, and review any changes that may have been made. If you continue to use Orco Bank Online, you agree to be bound by our most current Privacy Policy, including any changes that have been made since you originally provided Orco Bank with any Personal Information or non-personal information.
Your Questions, Commentes & Complaints
Orco Bank encourages you to provide Orco Bank with feedback regarding this Privacy Policy. If you have questions, comments or concerns regarding this Privacy Policy, please email us at online.support@orcobank.com. If you feel that Orco Bank is not abiding by this Privacy Policy at any time, please immediately contact us via email at online.support@orcobank.com.
Your Indemnification of Orco Bank N.V.
You shall defend, indemnify and hold harmless Orco Bank and its officers, directors, shareholders, employees, third party contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out of, or attributable to: (i) any breach or violation of this Agreement or our Privacy Policy by you or anyone logged in under your passwords and/or access codes, if any; or (ii) your failure to provide accurate, complete and current Personal Information requested pursuant to registration.
In connection with the above, the customer agrees and confirms that Orco Bank is indemnified on our part from and against any and all possible actions for damages, penalties, costs, and expenses related to, and resulting from, falsification of, fraudulent acts and irregularities relating to our Internet contract and the execution thereof.
Governing Law; Arbitration
This Privacy Policy is to be governed and construed in accordance with the internal laws of Orco Bank, without regard for principles of conflicts of laws.
In no event shall you be entitled to punitive, special, indirect or consequential damages and you hereby waive your respective rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business, even if Orco Bank has been advised of the possibility of such damages.
Miscellaneous
If any portion of this Privacy Policy is deemed unlawful, void or unenforceable, this Privacy Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Privacy Policy that is unlawful, void or unenforceable shall be stricken from this Privacy Policy.
The headings contained in this Privacy Policy are for convenience of reference only, are not to be considered a part of this Privacy Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Privacy Policy.
All covenants, agreements, representations and warranties made in this Privacy Policy, as may be amended by Orco Bank from time to time, shall survive the termination of this Privacy Policy and/or the termination of your account(s) with Orco Bank. This Privacy Policy cannot be orally modified or amended.
This Privacy Policy and our Agreement of Terms of Use located at https://online.orcobank.com/templates/logon/logon.cfm represent the entire understanding and agreement between you and Orco Bank regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.