Terms and conditions apply to the use of Sinovusonline international bank (hereinafter “CIB ” “we” “us” and/or “our”) and the Sinovusonline international bank Website(s) located at https://sinovusonline.com and all associated Websites (“Website”).

Each CIB websites may have separate policies and procedures. THESE WEBSITES ARE THE PROPERTY OF Sinovusonline international bank . BY USING (hereinafter “User”, “you” and/or “your”) ANY OF THESE CIB WEBSITES, YOU UNDERSTAND, ACKNOWLEDGE AND AGREE TO THE TERMS AND CONDITIONS OF USE CONTAINED IN THIS LEGAL NOTICE. DO NOT USE THESE WEBSITES IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS OF USE OR ARE NOT OF SUFFICIENT LEGAL AGE TO PROVIDE INFORMATION. YOU ARE PROHCIBTED FROM USING THIS WEBSITE OR SERVICES FOR ANY UNLAWFUL PURPOSE.

Void where ProhCIBted By Law
Any product, service, feature, or function offered on the website is void where prohCIBted by law.
Downloading
You may download material displayed on the CIB website for personal and non-commercial use only. You are prohCIBted to distribute, modify, transmit, use, or reuse any of the contents of the CIB website for public or commercial purpose without the written consent of CIB . All copyright, proprietary notices and rules on downloaded and/or copied material must be retained.

ProhCIBted Activities
Unauthorized access to any part of this website is prohCIBted. You may not copy, scan, probe, or breach the security measures of this Website or the systems that support it.

Copyright
CIB recognizes the trademarks of VISA®, MASTERCARD®, DISCOVER®, MAESTRO ®, American Express® and Union Pay International® in accordance with the delivery of services to CIB . Images displayed on www.islandbankinternational.us or www.CIB .com are property of or used with permission by CIB . Use of these images by third parties is prohCIBted unless expressed on CIB websites. Any unauthorized use of these images may violate, copyright, trademark, and laws of privacy and publicity.

Privacy
By using this Website, you acknowledge and expressly authorize that CIB may provide your personal information to appropriate financial institutions, processors, and third parties under contract with affiliates for providing a subset of the payment services (i.e.: credit authorization and fraud screening). Federal and state privacy laws govern the use of personally identifiable consumer information for financial institutions. For other third parties under contract with CIB and/or subsidiary, the use and distribution of your personal information will be used by such entity for its internal use. These transactions are treated as confidential and will be transferred between CIB website and you via encrypted and secured connection. Merchant is permitted to place an order based on the personal information you provide. Use of your personal information should be governed by agreement with merchant.

NO WARRANTY
USE OF SERVICE IS AT INDIVIDUAL’S RISK. CIB OR ITS AFFILIATES, EMPLOYEES, OR AGENTS DO NOT IN ANY WAY SHAPE OR FORM WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED AND/OR ERROR FREE. THE SERVICE PROVIDED IS “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND INCLUDING TITLE, MERCHANTABILITY, PUBLISHING ERRORS, OR FITNESS FOR A PARTICULAR PURPOSE. CIB WILL MAKE REASONABLE EFFORTS TO ENSURE THAT REQUESTS ARE PROCESSED IN A TIMELY MANNER WITHOUT WARRANTIES REGARDING THE AMOUNT OF TIME NEEDED TO COMPLETE ROCESSING. SERVICE IS SUBJECT TO DELAYS INVOLVING INTEGRATION, BANKING, INTERNET, AND/OR INTERNATIONAL MAIL SERVICES.

LIMITATION OF LIABILITY
CIB , ITS SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND/OR AFFILIATES ARE NOT LIABLE FOR DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES FROM ANY USE OF THE CIB SERVICE. CIB , ITS SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND/OR AFFILIATES ARE NOT RESPONSIBLE FOR ANY ACTS OR OMISSIONS OF THIRD PARTIES RELATED TO THE SERVICE. MOREOVER, THE MAXIMUM AGGREGATE LIABILITY OF CIB ITS SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND/OR AFFILIATES IS LIMITED TO THE TRANSACTION FEES PAID TO CIB IN THE TWELVE (12) MONTHS PRIOR TO ANY CLAIM.

INDEMNIFY Sinovusonline international bank FOR DAMAGES
You hereby agree to indemnify and defend CIB and its subsidiaries, officers, directors, and employees, agents and affiliates of CIB from liabilities, losses, damages, claims, and expenses (including attorney fees and costs), whether or not a lawsuit or proceeding is filed that in any way arises out of or relates to:
(i) Violation of the Terms and Conditions of Service;
(ii) Improper use of the service;
(iii) Violation of property or third party rights;
(iv) Refunds or charge-backs of fees initiated pursuant to your request;
(v) Reversed credit card payments;
(vi) Debit card and/or credit card transactions following the closing of your CIB Account; and/or
(vii) Negligence or misconduct.

In the event you fail to promptly, indemnify and defend such claims and/or pay CIB expenses, CIB shall have the right to defend itself. Any attorney fees, costs and damages incurred by CIB in settling such claims shall be paid by you within thirty (30) days of each and every of CIB written request(s) for reimbursement.

GOVERNING LAW
Local laws govern this agreement. However, there is exclusive jurisdiction for any claims or disputes with CIB in the courts of The United States of America. Specifically, venue for any disputes between you and CIB shall be exclusively in Puerto Rico. The language in this agreement shall be interpreted as to its fair meaning and not strictly for or against any party.

REVISIONS
CIB has the right to add or modify the terms of this agreement and delivering amended terms to user via email or the CIB Website(s). Use of service after the date such amended terms are delivered to user, shall be deemed to constitute acceptance of such amended terms. User agrees to review these amendments to be aware of such modifications. In the event that user does not agree to modifications made, they may cancel the CIB Account and all services with CIB .

DISCLAIMER
If CIB is notified of potential violations, CIB may take legal action including but not limited to self-help measures such as terminating, freezing and/or blocking any accounts of yours with CIB and/or seeking injunctive relief to immediately stop the volatile activity. CIB has the discretion to determine which action is appropriate under the circumstances. CIB is not liable for the security of communications transmitted over CIB ‘ facilities. Users are responsible for protecting the confidentiality of their respective passwords, usernames and user accounts. Users in any way shall not share their respective passwords, usernames and user accounts with any other person even if such person is related to the User. Users may not transfer their respective account to anyone else without the prior written consent of CIB . If a username is misplaced or lost, the User should send an email to support@sinovusonline.com. Users can use the “Forgot Your Password?” button on the website for password assistance.

CONSEQUENCES OF PROHCIBTED BEHAVIOR
Violation of the policies and procedures described grants CIB the authority to restrict, block, freeze or terminate access to services. Criminal behavior(s) will be reported to relevant governmental authorities.

CIB reserves the right to collect administrative costs and fees regarding identifying offenders freezing CIB Wallet Accounts and terminating access to services.

Updated March 10, 2021.