TERMS AND CONDITIONS
1. INTRODUCTION
1.1. LAND BANK OF THE PHILIPPINES is a government financial institution duly organized under and by virtue of Republic Act No. 3844, as amended, with office address at LandBank Plaza, 1598 M. H. Del Pilar Street corner Dr. J. Quintos Street, Malate, Metro Manila, Philippines (hereinafter referred to as “LBP”). LBP owns and maintains the Website and offers you access to and use of the Website and the opportunity to avail of the services displayed or offered on the Website subject to the Terms and Conditions set out below and elsewhere in the Website (hereinafter referred to as "the Terms and Conditions"). You must accept and agree to abide by the Terms and Conditions before accessing or using the Website or availing of any of the Facilities, products or services offered on the Website.
1.2. Please read the Terms and Conditions carefully. The access and use of the Website means that you agree to accept and abide by the Terms and Conditions. In case you do not agree to accept and abide by the Terms and Conditions, please do not access or use this Website or any page thereof and please do not avail of any of the services offered on or through the Website.
1.3.
Please note that by clicking on "I AGREE" it will be deemed that you
have read and understood the Terms and Conditions and that you agree to accept
and abide by the Terms and Conditions.
1.4. LBP may in its discretion alter, add to or delete the Terms and Conditions from time to time without any prior notice. It is your responsibility to ensure that periodically on every occasion that you access or use the Website or any Facility, product or service displayed or offered on the Website that you return to this page and review the Terms and Conditions for any alterations, additions or deletions. Unless otherwise specified by LBP, all alterations, additions and deletions shall take effect automatically and be binding on and from the day they are posted on the Site. By continuing to access or use the Website or any Facilities, products or services offered on the Website, you will be deemed to have agreed to accept and be bound by such altered, added to or deleted Terms and Conditions. If you do not agree to the alterations, additions or deletions, you should discontinue accessing or using the Website or availing of any Facilities, products or services on the Website (other than those which have already been availed of by you prior to such alterations, additions or deletions).
2. DEFINITIONS AND INTERPRETATIONS
2.1. Under these Terms and Conditions (including the Introduction above), unless the context otherwise requires, the following words and phrases shall have the meanings assigned to them hereunder -
“Alerts” means notices relating to various matters issued or to be issued by LBP to you from time to time e.g. notices of aborted transactions, reminders for amended to instructions.
“Affiliate” shall mean and include any company that is a subsidiary of LBP or a Person under the control of LBP. In this definition “control” means the direct or indirect control of 10% or more of the ownership, voting rights or equity of the concerned entity.
“Alliance Partner” means any Person or Business Firm, other than LAND BANK OF THE PHILIPPINES, who is allowed to display content or offer any Facility on the Website by virtue of a Remittance Tie-up Agreement, e.g.: foreign correspondent/depository banks, money service companies or exchange houses offering facilities.
"Call Centre" means the call center that may be set up by LBP or a Service Provider to assist Visitors in connection with the Website including the Facilities displayed or offered thereon and any transactions entered into or proposed to be entered into by the Visitors in respect of such Facilities.
"Customer" means a User who avails or seeks to avail of any Facility. In case the Customer is a company or other corporate body, the Board of Directors or the person/s having substantial power of management and control over such corporate body shall authorize specific person/s (hereinafter referred to as Registered User and defined in the following paragraph) who will be allowed to have access to the LBP Inward Remittance System and the said authorization by means of a Board Resolution, Power of Attorney or Mandate, as the case may be, will be registered with LBP.
“Customer Account” means the Savings Account and/or any other type of account so designated by LBP to be eligible account(s) for operation of the LBP Inward Remittance System. The account(s) for which LBP Inward Remittance System is availed should be in the name of the Customer.
“Customer Information” refers to the information about the Customer obtained in connection with the LBP Inward Remittance System.
"Customer ID" means the user identification chosen by the Customer and registered by the Website, which along with the Customer Password, will enable the Customer to –
i. avail of Facilities and enter into transactions in respect of the Facilities offered on the Website,
ii. access one or more Customer Accounts, download application forms for Facilities, register a change in address or any customer information, change in beneficiary details, settlement modes, remittance instructions, make online applications; and
iii. Do such other acts as the Website may permit.
"Customer Password" means the password chosen by the Customer and registered by the Website which, along with the Customer ID, will enable the Customer to –
i. avail of Facilities and enter into transactions in respect of the Facilities offered on the Website,
ii. access one or more Customer Accounts, download application forms for Facilities, register a change in address or any customer information, change in beneficiary details, settlement modes, remittance instructions, make online applications; and
iii. Do such other acts as the Website may permit.
"Facility" means any present and future product, service or facility displayed or offered on or through the Website (by LBP) and includes inward remittance facilities, tracking facilities, customized News and advisory and assistance services.
"Person" includes an individual, a company, a body corporate, an association of persons (whether incorporated or not), a trust, a partnership firm, a society and the government.
"Registered User" means any Visitor who has registered himself with the Website but who has not entered into any transactions in respect of the services and products offered on the Website. The term “Registered User” includes every Customer.
"Registered User ID" means the user’s valid ID that is chosen by the Registered User and registered by the Website for access to the Website.
"Registered User Password" means the password that is chosen by the Registered User and registered by the Website for access to the Website.
"Service Provider" means a Person who provides a service to LBP in order to enable LBP to operate and/or maintain the Website, provide any feature on the Website or provide any Facility that shall be provided by LBP.
“T-PIN” is an abbreviation for Personal Identification Number and means a password that may be allotted by LBP to a Customer to enable him to perform such activities as LBP may permit over the telephone through the Call Centre or otherwise, e.g. give instructions or inquire about account status
"The Terms and Conditions" means the terms and conditions set out above and below and also all other terms and conditions contained elsewhere on the Website from time to time.
"Visitor" means any person who accesses or visits the Website, whether or not such person has registered himself as a Registered User. The term "Visitor" shall include every Registered User and Customer.
"The Website" means the Website presently maintained by LBP at www.lbpeasypadala.com, and includes the pages of the Website and any applets, software and content contained in the Website.
2.2. The following guidelines shall apply in the interpretation in the Terms and Conditions, unless repugnant to the context or meaning thereof, -
i. Reference to a particular gender shall be deemed to include a reference to the other genders; and
ii. The singular shall include the plural and vice versa; and
iii. The word "includes" should be construed as if the words "without limitation" appear thereafter.
All Transactions are entered into in reliance on the fact that the Terms and Conditions and all other terms and conditions specified are to be read together.
3. WEBSITE
3.1. The Website primarily facilitates the display and offering of Facilities by the Alliance Partners, Affiliates and/or LBP on a no-liability and no-obligation basis as regards LBP. Information and Facilities on the Website may be displayed and offered in a phased manner at the discretion of LBP. From time to time, LBP shall have the right to introduce new information and Facilities and add to, modify, suspend or withdraw any information or Facility or the terms thereof in whole or in part without any prior notice.
3.2. If any of the Terms and Conditions is not acceptable to you or you disagree with any material on the Website, your sole and exclusive remedy is to discontinue using the Website.
4. ELIGIBLE USERS
4.1. In order to access and use the Website and avail of any Facility you must be an individual of at least 18 years of age who can enter into legally binding contracts under applicable law or a corporation, trust, association of persons or firm which can enter into legally binding contracts under applicable law. In case of a corporation, trust, association of persons or a firm, you must be authorized to agree to the Terms and Conditions and to access, use and avail of the Website and the Facilities. If you do not qualify, please do not access or use the Website or the Facility.
4.2. Any Person in countries anywhere in the world (referred hereinafter as “Remittance Source”), may access, use and avail of the Website and the Facilities only to the extent the domestic laws of such countries permit them to access, use and avail of the Website and the Facilities. You agree that you will be solely and absolutely liable for any liability incurred by you in this regard and you will indemnify LBP against any liability incurred by LBP in this regard.
5. REGISTRATION, INFORMATION (IDS AND PASSWORDS) AND SECRECY
5.1.
Only limited access to the Website is
available to non-registered Visitors. Non-registered Visitors may not be
permitted to avail of the Facilities. In order to obtain increased access to
the Website and in order to avail of the Facilities, you are required to
register on the Website as a Registered User.
5.2. You agree -
1.
To
provide true, accurate, current and complete information about yourself as
prompted by the registration form on the Website, and
2.
From
time to time, to maintain and update this information to keep it true,
accurate, current and complete at all times.
You shall indemnify LBP
for any losses caused to LBP due to any information provided by you to LBP
being untrue, inaccurate, not current or incomplete in any respect, and LBP
shall not be responsible for any losses sustained by you due to any information
provided by you to LBP being untrue, inaccurate, not current or incomplete in
any respect. If any information provided by you is untrue, inaccurate, not
current or incomplete, LBP has the right to terminate your registration and
refuse you access to or use of the Website or any Facilities.
5.3.
Subject to the Terms and Conditions, upon registration as a Registered User the
Website will register your Registered User ID and Registered User Password.
5.4.
You will be solely and absolutely responsible for maintaining the secrecy and
confidentiality of all your IDs and passwords (including T-PIN) and you will be
fully and absolutely responsible and liable for all transactions and activities
that occur under your ID and password including any unauthorized use or misuse
of your ID and/or password. You will be responsible and liable if any third
party gains access to the Website or any Facility through the use of your ID
and/or password, and you hereby agree to indemnify LBP and hold LBP harmless
against any liability, costs, damages, claims, suits and proceedings based upon
or relating to such unauthorized access and use. Without prejudice to the
aforesaid, you agree to -
1. immediately notify LBP via e-mail and
telephone at the e-mail addresses and telephone numbers listed in the Website,
(or through the Call Centre if available), of any suspected loss, theft,
unauthorized usage of the ID or password, any other breach of security, or any
receipt by you of confirmation of a transaction, fund transfer or other
activity which you did not authorize; or any inaccurate information in your
account balances, or your beneficiary/ies’ account/s balances or transaction
history and
2. Make sure that you logout from the
Website at the end of each session.
5.5.
Any transaction or activity pursuant to use of your ID or Password shall be
deemed to be your transaction or activity and LBP shall have no obligation to
verify the authenticity of any such transaction or activity. LBP shall not be
responsible for any mistake or error made by you in keying in the transaction
or activity as to the nature of the transaction / activity, with respect to any
facts or figures or otherwise.
5.6. If you forget your ID, you can send a
written request to LBP at the address provided on the Website or send e-mail
message (or such other message as LBP may specify), giving your date of birth
and/or such other information or transaction details satisfactory to LBP. If
LBP is satisfied with the identification you provided (which satisfaction shall
be entirely at the discretion of LBP), LBP shall send the ID to your e-mail
address registered with LBP. You shall be responsible for continuing to
maintain this e-mail address. LBP shall not be liable if it declines to furnish
the ID by reason of it not being satisfied as to your identity.
5.7. If you forget your password, you can send
a written request to LBP at the address provided on the Website or send e-mail
message (or such other message as LBP may specify), giving your date of birth
or such other information satisfactory to LBP. LBP may, subject to verification
and satisfaction as stated above, instead of sending you your password,
generate a new password for you which shall be communicated to you at the
e-mail address provided by you. For your security, you must change this
password as soon as it is received by you, and until then this password shall
be deemed to be your password and you will be responsible and liable for all
transactions pursuant thereto. Upon generation of the new password, LBP shall
discontinue the use of the old password. However, you shall be responsible and
liable for all transactions that are carried out by the use of the old
password, till the time of discontinuation of the old ID or old password.
5.8.
Notwithstanding anything stated elsewhere in the Terms and Conditions, and
despite correct use of your ID and password, LBP shall be entitled in its sole
discretion (but shall not be bound) to seek offline and/or additional written
or other confirmation from you of any instruction, transaction or activity as
LBP may deem fit.
5.9.
In the event that the certifying authorities and other infrastructure
contemplated under any law (for the time being is in force) for ensuring secure
electronic records and secure digital signature notify LBP of the same. LBP
shall have the right to require you to communicate instructions and authorize
and execute transactions and other activities by means of such secure
electronic records and secure digital signatures in addition to, or in place
of, the use of password(s).
6.
CONDUCT OF VISITORS, REGISTERED USERS AND CUSTOMERS
6.1.
You shall NOT -
i.
restrict
or inhibit any other person from accessing, using and enjoying the Website or
the Facilities;
ii.
use
the Website for any purpose that is unlawful in any jurisdiction or not
permitted by the Terms and Conditions;
iii.
modify,
copy, distribute, transmit, display, perform, publish, license, create
derivative works from, transfer or sell any information, designs, logos,
trademarks, software, Facilities, products or services obtained on or through
the Website, except as permitted by the copyright owner or other right holder
thereof;
iv.
post
or transmit any unlawful, fraudulent, libelous, defamatory, obscene,
pornographic, profane, threatening, abusive, hateful, offensive, or otherwise
objectionable information or statement of any kind including, without
limitation, any information or statement constituting or encouraging conduct
that would constitute a criminal offence, give rise to civil liability, or
otherwise violate any local, state, national, foreign or other law;
v.
post
or transmit any advertisements, solicitations, chain letters, pyramid schemes,
investment opportunities or schemes or other unsolicited commercial
communication (except as otherwise expressly permitted by LBP) or engage in
spamming or flooding;
vi.
post
or transmit any information or software which contains a virus, Trojan horse,
worm or other harmful component;
vii.
post,
publish, transmit, reproduce, distribute or in any way exploit any information,
software or other material obtained from or through the Website for commercial
purposes (other than as expressly permitted by the provider of such
information, software or other material);
viii.
upload,
post, publish, transmit, reproduce or distribute in any way, information,
software or other material obtained on or through the Website which is
protected by copyright or other proprietary right, or derivative works with
respect thereto, except as permitted by the copyright owner or other right
holder thereof;
ix.
upload,
post, publish, reproduce, transmit or distribute in any way any component of
the Website itself or derivative works with respect thereto, except as
permitted by LBP or the copyright owner or other right holder thereof, the
Website being copyrighted under the relevant laws;
x.
attempt
to decompile or reverse engineer any of the software available on the Website;
xi.
Make
any attempt to hack into the Website or otherwise attempt to subvert any
firewall or other security measure of the Website and if you become aware of
any shortcoming in the security on the Website you shall forthwith inform LBP
of the same in writing.
6.2.
If the Website contains bulletin boards, chat rooms, access to mailing lists or
other message or communication facilities (collectively, "Fora"), you
agree to use the Forums only to send and receive messages and material that are
proper and related to the particular Forum.
6.3.
You shall use any software provided on, by or through the Website only for the
purposes for which it has been provided to you and for no other purpose.
7. OTHER TERMS
7.1.
LBP shall not be under any duty to assess the prudence or otherwise of any
instruction or transaction given or entered into by you.
7.2.
LBP shall be entitled, in its sole and absolute discretion, to refuse to comply
with all or any of your instructions without assigning any reason.
7.3.
You cannot cancel any instructions once provided, save and except as
specifically detailed on the Website. Additionally, when you place a request to
cancel an instruction or a transaction that has been authorized by you, such
cancellation is not guaranteed by LBP. Such instruction or transaction will
only be cancelled if your request for cancellation is received and acted upon
before the instruction or transaction has been executed.
7.4.
LBP, Affiliates and Alliance Partners shall have the right to, and you hereby
authorize LBP, Affiliates and Alliance Partners to verify any information
provided by you.
7.5.
LBP shall endeavor to take reasonable measures, which may include encryption,
to ensure that your personal information is not disclosed to any person except
to LBP, Affiliates, Alliance Partners, Service Providers and other persons to
whom the information may be provided as per LBP's Privacy Policy and
other persons specified by you. However, the Internet is an open system and LBP
cannot, and does not, guarantee that the personal information that you furnish
will not be intercepted or accessed by others and decrypted. LBP, Affiliates,
Alliance Partners and Service Providers shall not be liable or responsible
should any confidential or other information provided by or pertaining to you
(including credit card numbers, bank account numbers, passwords, personal
identification numbers, IDs, transaction details, etc.) be intercepted and
subsequently used by an unintended recipient.
8.
DISCLAIMERS
8.1.
Access and use of the Website and the Facilities is entirely at your own risk.
The Website, including any content or information on it, any related or linked
site and all Facilities, products and services displayed, provided, availed of,
licensed or purchased on, through or via the Website are provided "as
is," without any representation or warranty of any kind, either express or
implied, including without limitation, any representation or warranty for
accuracy, continuity, uninterrupted access, timeliness, sequence, quality,
performance, fitness for any particular purpose or completeness. Specifically,
LBP disclaims any and all warranties including, but not limited to -
1. any warranties concerning the
availability, accuracy, usefulness, or correctness, currency or completeness of
information, Facilities, products or services and
2. any warranties of title, warranty of
non-infringement, freedom from computer virus, warranties of merchantability or
fitness for a particular purpose, other than those warranties which are
incapable of exclusion, restriction or modification under the laws applicable
to the Terms and Conditions.
LBP has not verified
and shall not be liable or responsible for any content or other information on
the Website or on websites linked to or with LBP. LBP does not, in any way,
certify or warrant the performance, operation, content or availability of the
Website or such other websites. Although LBP adopts security measures that it
considers appropriate for the Website, it does not assure or guarantee that no
person will overcome or subvert the security measures and gain unauthorized
access to the Website or any Customer Accounts. LBP shall not be responsible or
liable if any unauthorized person hacks into or gains access to the Website,
any Facility or your accounts; and you shall be liable and responsible for the
same.
8.2.
This disclaimer of liability applies also to any damage or injury caused by any
failure of performance, error, omission, interruption, deletion, defect, delay
in operation or transmission, computer virus, communication line failure, theft
or destruction or unauthorized access to, alteration of, or use of record,
whether for breach of contract, tortuous behavior, negligence, or under any
other cause of action.
8.3.
The information and views contained herein are based on information available
and believed to be correct to the best of our knowledge. Although due care has
been exercised to verify the accuracy of the information, neither LBP.com and
its information suppliers assume responsibility for the accuracy or for any
loss arising out of any information contained herein.
8.4.
LBP operates and offers the Website strictly on a no-liability basis and LBP
shall not be liable to you or any other third party for any direct, indirect,
incidental, special, exemplary, punitive, consequential or other damages
(including without limitation loss of profits, loss or corruption of data, loss
of goodwill, work stoppage, computer failure or malfunction, or interruption of
business) under any contract, negligence, strict liability or other law or
theory arising out of or in connection with the Website, or any Facilities,
products or services mentioned or advertised on or accessed or availed on or
through the Website or any contract or transaction entered into or executed in
pursuance thereof (however arising, including negligence) or resulting from the
use of or inability to use, access or avail of the Website, any Facility,
service or product or out of any breach of any warranty. Under no circumstances
shall LBP be liable for any damages whatsoever whether such damages are direct,
indirect, incidental consequential and irrespective of whether any claim is
based on loss of revenue, investment, production, goodwill, profit,
interruption of business or any other loss of any character or nature
whatsoever and whether sustained by you or any other person.
8.5.
If any disclaimers or limitation of liability in the Terms and Conditions are
held to be unenforceable, the maximum liability of LBP to you shall not exceed
the amount of fees paid by you to LBP for the Facilities, products or services
that you have ordered or availed of on or through the Website.
8.6.
Delays in the Transactions and Non-Liability for Damages
While LBP shall endeavor that your instructions and your transactions pursuant
to Facilities provided by LBP are communicated, carried out and/or performed
promptly, LBP does not guarantee that any instruction will definitely be
communicated or carried out or that any transaction will definitely be
performed; and LBP shall not be responsible for any delay in communicating,
carrying out or perform of any instruction or transaction due to any reason
whatsoever, including inaccuracy of data provided by you, particular beneficiary’s
name, address and account number, and by reason of failure of operational
systems due to, but not limited to virus attacks, natural calamity, floods,
fire and other natural disasters, legal restraints, faults in the
telecommunication network or network failure, software or hardware error, labor
problem, strike or any other reason beyond the control of LBP
8.7.
LBP shall not be responsible for any inability to access the Website or any use
or misuse of the Website.
8.8.
Any search results displayed by or on the Website are automated and cannot be
screened. Accordingly, LBP assumes no responsibility for the accuracy or
otherwise of any search results or of the content of any site included in the
search results or otherwise linked to the Website.
8.9.
LBP shall not be responsible for any unauthorized interception of e-mail to or
from you or LBP.
8.10.
A possibility exists that the Website could include inaccuracies or errors.
Additionally, a possibility exists that unauthorized additions, deletions or
alterations could be made by third parties to the Website. Although LBP and its
Service Providers attempt to ensure the integrity of the Website, they make no
guarantee whatsoever as to its sequence, timeliness, completeness, correctness
or accuracy. In the event that such an inaccuracy or incompleteness arises,
please inform LBP so that it can be corrected.
9.
TERMS OF SUPPLY OF FACILITIES - GENERAL
9.1.
Where any Facility is provided by LBP itself, it is expressly mentioned on the
Website. LBP offers its Facilities strictly on a no liability basis.
Accordingly, while LBP shall endeavor to offer such Facilities as per their
terms, no claim shall lie against LBP, and LBP shall not be liable to you or to
any Person, in the event of non-provision of any Facility or delay or omission
to do any act pursuant to any Facility provided by LBP or on any other account
whatsoever. You should avail of Facilities provided by LBP only if you are
agreeable to the above.
9.2.
In order to avail of specific Facilities, you may have to agree to other terms
and conditions in addition to the Terms and Conditions and may also have to
execute agreements, powers of attorney and other writings and abide by the
specified procedures.
9.3.
All your rights and remedies and all maintenance, update, warranty, liability
or any other obligations related to any Facility, if any, shall be governed by
the applicable terms, policies and procedures of the concerned Alliance Partner
and LBP shall not be liable or responsible for the same in any manner. You
shall have no claim, rights or remedies whatsoever against LBP in respect of
any Facility availed or sought to be availed by you from any Alliance Partner.
9.4.
You agree that all information you provide to LBP will be accurate, complete
and current. You agree not to hold LBP liable for any loss or damage of any
sort incurred as a result of any such dealings with LBP.
9.5.
You agree to pay all charges incurred by users of your ID and password and
credit card or other payment mechanism at the prices in effect when such
charges are incurred.
9.6.
The records of access, instructions, transactions and other activities
maintained or caused to be maintained by LBP through its or a third party's
computer systems or on tape or other recording or storage device or otherwise
shall be admissible in evidence, shall not be challenged by you and shall be
accepted as genuine, accurate, conclusive and binding for all purposes
including the recording of the time thereof.
9.7.
LBP shall try to ensure that all information that is provided on the Website
with respect to the Facilities, products and services that are offered are
accurate and up to date. However, LBP does not guarantee the timeliness,
accuracy, completeness, reliability or content of the information and any
changes that are made with respect to the same.
10. TERMS OF SPECIFIC
FACILITIES
The following
Facilities are proposed to be offered on the Website. However all the
Facilities or all the various components / features of a Facility may not be
offered. The Facilities and components / features of a Facility may be introduced
in a phased manner.
Inward Remittance
Facility –
Subject
to the relevant regulatory approvals, terms and conditions imposed while
granting the necessary approvals and other terms of this Facility, this
Facility ("LBP Facility"), on it being made available, enables you to
remit or send foreign currency from anywhere in the world to an account in the
Philippines or send to a beneficiary in the Philippines after conversion into
Philippine Pesos. LBP Facility is a technology platform for a facility that enables
remitting funds from the anywhere in the world to an account in the
Domestic Payroll
Payment Facility –
LBP, its Affiliates or
Alliance Partners will not be responsible or liable for any changes in the time
schedule for execution of your instructions or remittance / credit of funds for
any reason. Nothing provided on the Website should be construed as advice of
any nature and you are advised to consult professionals in this regard prior to
taking any decision. Further, this Facility does not, in any way, solicit or
encourage you to enter into any such transaction. LBP, its Affiliates or
Alliance Partners shall not, under any circumstances, be responsible for any
loss suffered due to any fraud or other actions of the Customer. Further, this
Facility is offered subject to the applicable laws of any other country,
including the country from which the funds are to be remitted, and it shall be
your responsibility to ensure that these laws are adhered to. LBP accepts no
liability whatsoever, direct or indirect for non-compliance with the laws of
any country other than that of the
LBP shall in no way be
held responsible and/or be liable for any queries, errors, disputes or delays
in messaging, money transmission, currency conversion, conversion rates
offered, payment to the beneficiaries of the remittances or any other query,
claim or dispute. LBP will, however, assist you in contacting the Affiliates or
Alliance Partners to facilitate resolution of such queries, claims and disputes
to the best of LBP's ability.
The above terms and
conditions are in addition to the additional terms and conditions relating to
the LBP Facility appearing elsewhere on this Website or otherwise now or
hereafter agreed or deemed to be agreed by you.
11.
PROPRIETARY AND INTELLECTUAL PROPERTY RIGHTS
11.1.
LBP is the owner and/or authorized user of any trademark, registered trademark
and/or service mark appearing on the Website, and is the copyright owner or
licensee of the content and/or information on the Website including but not
limited to any text, images, illustrations, audio clips, video clips and
screens appearing on the Website. All rights on the Website are reserved and
you may not download and/or save a copy of the Website or any part thereof
including any of the screens or part thereof and/or reproduce, store it in a
retrieval system or transmit it in any form or by any means - electronic,
electrostatic, magnetic tape, mechanical printing, photocopying, recording or
otherwise including the right of translation in any language without the
express permission of LBP (except as otherwise provided on the Website or in
the Terms and Conditions for any purpose) or use it in any manner that is
likely to cause confusion or deception among persons or in any manner
disparages or discredits LBP. However, you may print a copy of the information
on this Site for your personal use or records. This Site is for your personal
use. If you make other use of this Site, except as otherwise provided above,
you may violate copyright and other laws of the
12.
AUTHORITY TO LBP
You irrevocably and
unconditionally authorize LBP to access all information relating to you
(including personal information and information relating to access and use of
the Website and Facilities by you and the transactions entered into by you),
subject to the Privacy Statement, all information submitted on or via
the Website