Services

Privacy Policy

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 Personal Information.

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.

Agreement of Terms of Use

By visiting, using and/or submitting information to Orco Bank Online, you are accepting this Agreement of Terms of Use (this "Agreement") and our Privacy Policy (“Privacy Policy”) located at the URL https://online.orcobank.com/templates/logon/logon.cfm. Note that some features and functions of Orco Bank Online are subject to terms and conditions in addition to those of this Agreement. In the event of a conflict between those additional terms and conditions and this Agreement, this Agreement shall prevail. In order to determine your compliance with this Agreement, Orco Bank may monitor your access and use of Orco Bank Online in accordance with our Privacy Policy.

Orco Bank Online is owned and operated by Orco Bank N.V., a corporation (“Orco Bank”). This Agreement sets forth the terms and conditions that apply to your access and use of Orco Bank Online.

Applicability of this Agreement

This Agreement applies to you, Orco Bank, its affiliates and the Internet website located at the URL https://online.orcobank.com/templates/logon/logon.cfm (“Orco Bank Online”).

Your Right to Access and Use Orco Bank Online

You are only entitled to access and use Orco Bank Online for lawful purposes of personal use and pursuant to the terms and conditions of this Agreement and our Privacy Policy. Your access and use of Orco Bank Online may be interrupted from time to time for any of several reasons, including, but not limited to, the malfunction of equipment, periodic updating, maintenance or repair activities that Orco Bank may undertake from time to time, or other actions that Orco Bank, in its sole discretion, may elect to take. Orco Bank reserves the right to suspend or discontinue the availability of Orco Bank Online and/or any portion or feature of Orco Bank Online for access and use at any time in its sole discretion and without prior notice.

Your Registration with Orco Bank Online

Certain features of Orco Bank Online are accessible only to registered users. The rights to register with Orco Bank Online and be issued a password and/or access code in order to access those features of Orco Bank Online are available only to those users who provide Orco Bank with the requested accurate, complete and current Personal Information (as defined in the Privacy Policy). In accordance with our Privacy Policy, you must promptly inform Orco Bank of any changes to or updates of any of your Personal Information. Orco Bank reserves the right to deny or revoke any user’s registration and/or the issuance of any password or access code at any time and without prior notice.

Your Compliance with this Agreement and Our Privacy Policy

Any action by you that, in Orco Bank's sole discretion, violates the terms and conditions of this Agreement or our Privacy Policy, or restricts, inhibits or prevents any third party from accessing, using or enjoying Orco Bank Online, or through the use of Orco Bank Online, defames, abuses, harasses, offends or threatens any other user or third party, shall not be permitted, and may result in your loss of the right to access and use Orco Bank Online.

Your Transmissions, Submissions and Postings to www.orcobank.com

You shall not transmit, submit or post information to Orco Bank Online that contains any viruses, worms, Trojan horses, trap doors, back doors, Easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or Personal Information. Pursuant to our Privacy Policy, Orco Bank may monitor any transmissions, submissions or postings by you to determine, in its sole discretion, your compliance with this Agreement and our Privacy Policy.

Orco Bank's Intellectual Property Rights

The name “orcobank.com” and the Orco Bank and Orco Bank Online trademarks, logos and graphics are proprietary to Orco Bank, and may not be used by you without the prior express written permission of Orco Bank, which permission may be withheld in Orco Bank's sole discretion.

The data and content viewable on, contained in, and/or downloadable from, Orco Bank Online, including, without limitation, all text, graphics, pictures, photographs, images, line art, icons and other renditions (collectively, the “Content”) is copyrighted by Orco Bank.

Orco Bank also owns a copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content. Viewing, reading, printing, downloading or otherwise using the Content does not entitle you to any ownership or intellectual property rights to the Content.

You shall be solely responsible for any damage resulting from your infringement of Orco Bank’s intellectual property rights and/or any other harm incurred by Orco Bank as a direct or indirect result of your copying, distributing, redistributing, transmitting, publishing or using any of the names, trademarks, logos and/or Content for purposes that are contrary to the terms and conditions of this Agreement.

Your Use of the Content

Without the prior written consent of Orco Bank, you may only print, download or otherwise use the Content in the form of a print copy, for your personal, non-commercial use; provided, however, that you shall not delete any proprietary notices or materials.

Except as otherwise permitted under the copyright laws of Orco, no other copying, compilation, distribution, redistribution, transmission, publication or use of the Content, other than the personal, non-commercial use of the Content as permitted by this Agreement, is permitted by you without the express prior written permission of Orco Bank, which permission may be withheld in Orco Bank's sole discretion.

Framing, Linking and Meta Tagging Orco Bank Online

You may not frame or utilize any framing techniques regarding Orco Bank Online and/or the Content. You may not link to Orco Bank Online without the express written permission of Orco Bank. You may not use any meta tags or any other hidden text utilizing Orco Bank, Orco Bank Online or any of Orco Bank's trademarks, logos or graphics.

Orco Bank makes no representations or warranties regarding Orco Bank Online

Orco Bank Online, including, without limitation, the Content contained herein, is being provided to you on an “as-is” and an “as-available” basis. Orco Bank does not make any representations, warranties or guarantees, express or implied, regarding the accuracy, correctness, or completeness of the same, nor the safety, reliability, title, merchantability, conformity or fitness for a particular purpose of the same. Orco Bank does not provide the Content in any fiduciary or advisory capacity.

Orco Bank makes no representation, warranty or guarantee that Orco Bank Online, including, without limitation, the Content, free of infection from any viruses, worms, Trojan horses, trap doors, back doors, Easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or Personal Information.

Your Responsibility for Equipment and Related Costs

You are responsible for obtaining and maintaining all telephone, computer hardware, Internet access services and other equipment or services needed to access and use Orco Bank Online, and all costs and fees associated with Internet access or long distance charges incurred with regard to your access and use of Orco Bank Online.

Limitations on Orco Bank’s Liability

Orco Bank shall in no event be responsible to, or liable to, you, or any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any damages, including, but not limited to, special, incidental, indirect or consequential damages that include, but are 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, as a direct or indirect result of:

(i) your breach or violation of the terms and conditions of this Agreement and/or our Privacy Policy; <;br>
(ii) your access and use of Orco Bank Online;
(iii) access or use of Orco Bank Online under any password or access code that may be issued to you whether such access is by you or by someone to whom you have provided your password and access code;
(iv) your inability to access or use Orco Bank Online for any reason;
(v) your downloading of any of the Content; or
(vi) your reliance upon or use of the Content. Use of Orco Bank Online and the Content is at your sole risk.

Certain laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above limitations on Orco Bank's liability may not apply to you, and you may have additional rights.

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.

Third Party Rights Under this Agreement

This Agreement is for the benefit of Orco Bank and its affiliates, each of which shall have the right to directly enforce and assert the terms and conditions of this Agreement and our Privacy Policy against you on behalf of Orco Bank.

Amendments of this Agreement and Opting Out

Orco Bank reserves the right to amend this Agreement at any time in its sole discretion and without notice. Your right to access and use Orco Bank Online is subject only to our most current Agreement of Terms of Use. Changes, revisions or deletions with regard to this Agreement shall be effective immediately upon their inclusion in, or deletion from, this Agreement, and the posting of the same in this Agreement on Orco Bank Online.

You are advised and encouraged to visit Orco Bank Online on a regular basis to review our most current Agreement of Terms of Use, and review any changes that may have been made. Unless you elect to opt-out of this Agreement, you agree to be bound by our most current Agreement of Terms of Use, including any changes that have been made.

If at any time you wish to opt-out of this Agreement, please contact Orco Bank at the postal address listed at the end of this Agreement, or via email at online.support@orcobank.com. However, keep in mind that your opting-out of this Agreement cancels your ability to access and use Orco Bank Online. In the event you opt-out of this Agreement, any passwords and/or access codes issued to you for the access and use of Orco Bank Online will be canceled.

Orco Bank's Remedies

You acknowledge that Orco Bank may be irreparably damaged if this Agreement is not specifically enforced, and damages at law would be an inadequate remedy. Therefore, in the event of a breach or threatened breach of any provision of this Agreement by you, Orco Bank shall be entitled, in addition to all rights and remedies, to an injunction restraining such breach or threatened breach, without being required to show any actual damage or to post an injunction bond, and/or to a decree for specific performance of the provisions of this Agreement.

For purposes of this Section, you agree that any action or proceeding with regard to such injunction restraining such breach or threatened breach shall be brought in the courts of record in Orco. You consent to the jurisdiction of such courts and waive any objection to the laying of the venue of any such action or proceeding in such court. You agree that service of any court paper may be effected on such party by mail or in such other manner as may be provided under applicable laws, rules of procedure or local rules.

Governing Law and Arbitration

This Agreement is to be governed and construed in accordance with the internal laws of Orco, 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 Agreement is deemed unlawful, void or unenforceable, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement.

The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement.

All covenants, agreements, representations and warranties made in this Agreement, as may be amended by Orco Bank from time to time, shall survive termination of this Agreement and/or the termination of your account(s) with Orco Bank. This Agreement cannot be orally modified.

This Agreement and our Privacy Policy located at the URL https://online.orcobank.com/agreement which is hereby incorporated by reference, 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.