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Terms of Use

Welcome to our Web site (“www.penbank.com.ph”). Your use of this Site and its services will be subject to the following terms and conditions. Please read them carefully. By accessing this Site, you are agreeing to these terms. In this Agreement, the terms “the bank”, “we” , “our” and “us” refer to Penbank Inc and the companies that have helped to create and support this Site.


You are granted a non-exclusive license to access the content on this Site and unless otherwise indicated, all rights are reserved to One Network Bank. Among other things, electronic reproduction, adaptation, distribution, publication, display or otherwise public or commercial usage of any content is prohibited unless expressly allowed by the bank in written form.

You acknowledge and agree that the software used by us in the operation of this Site, the copyright, and all other proprietary rights in and to the technology, designs, graphics, marks and software used by us for this Site and the Services, are proprietary to us and our licensors. You may not reverse engineer, modify, or de-compile any of the technology that we make available to you.

Certain Services may be subject to limitations that are not expressly stated below. Please check the other portions of this Site for additional details. We assume no responsibility if a Service becomes unavailable for any reason or fails to meet your requirements.


You agree to comply with the laws that apply to your use of this Site and/or the Services.

You also agree not to engage in any activities that: encourage a violation of any law or regulation by others; abuse, harass, stalk, defame, impersonate or invade the privacy of another; infringe the rights of any third party, including intellectual property, business, contractual and fiduciary rights; are in any way connected with the transmission of "junk mail," "spam," "pyramid scheme" solicitations, chain letters, or any other mass distribution of unsolicited e-mail; interfere with the functioning of the Site or any linked Web site; or involve sending abusive, obscene, hateful or otherwise offensive content by means of any Service.

You also agree to comply with the rules of the Internet service providers, networks, hosting and telecommunication services, servers, computer databases, and Web sites that you access or use in conjunction with this Site and/or the Services.


Please see our Privacy Policy for details regarding the manner in which we collect and use information about you, maintain the confidentiality of your personally identifiable information, and use technology and procedures to maintain security.

We shall hold in strict confidence all the information that you communicate to us via the site’s "Contact Us" facility or any other avenue of communication found within the site. However, you likewise agree not to use the same to submit content that is infringing or that contains any viruses, Trojan horses, worms, or other computer programming routines that may damage, detrimentally interfere with or otherwise adversely affect the operation of another’s computer or surreptitiously intercept or expropriate any system, data or personal information.

You agree to: (a) notify the Bank immediately if you become aware of any unauthorized use of your account, any breach in the confidentiality of your account records, or any breach or attempted breach of security involving the Site or the Services; and (b) avoid accessing or attempting to access the non-public areas of this Site or any other user’s password-protected information.


You may be able to access Web sites operated by third parties from this Site. Unless we tell you otherwise in writing, we do not operate or control any of the information, products or services on such linked sites. You acknowledge and agree that: (a) you access such linked sites at your own risk; (b) we make no representation or warranty, and assume no responsibility for, any linked site or the actions or omissions of its owners or operators; (c) we make no endorsement of, and assume no responsibility for, any goods or services offered by the companies that "power" or support this Site or any other site; and (d) although we may have a contractual or other relationship with the operators of a linked site, we will not be responsible for the content, accuracy, integrity or operation of their site.


The site is provided on an "as is" and "as available" basis. Neither the bank nor its service providers make any warranty, express or implied regarding this site, its content, the services, the goods or services advertised by third parties via this site or linked sites, or the subject matter of this agreement. We will use our best efforts to include accurate and up to date information on the Site, but we make no warranties or representations as to the accuracy of the information. You agree that all access and use of the Site and its contents is at your own risk.

We will not be liable to you for any consequential, indirect, special, incidental or similar damages, whether or not they are foreseeable, including claims for loss of goodwill, profits, data, use of money or products, stoppage of work or impairment of assets, arising out of your use of this website or any of the link(s) emanating from it in case the information or material contained in this website is no longer accurate, complete, updated, or approximating the market going rates, or if any of the Bank’s products, services, and channels mentioned in this website are not or no longer available in your geographical location.

We will not be liable to you for any failure or delay in performing the Services or making the Site available for your use if the failure or delay is due to: causes beyond our reasonable control such as but not limited to, computer hardware or software problems including bugs and viruses; natural catastrophes; governmental actions or omissions; terrorism; communication system breakdowns; our inability to confirm your identity or your authority to act; or our inability to procure supplies or materials or access the networks through which we operate the Services and other unforeseen events or emergencies.

You agree to indemnify, defend and hold us, our affiliates, the 3rd parties that assist us in providing Services, and our respective directors, officers, employees and agents harmless from and against all claims, actions, proceedings, damages and costs (including attorney’s fees) related to or arising out of: (i) your use of this Site or the Services; (ii) the actions or omissions of third parties who advertise at our Site or through linked sites; (iii) our reliance on instructions that are accompanied by your password or security code; or (iv) your breach of these terms.


We may terminate your use of the Site and any of the Services at any time without cause. The terms of this agreement will continue to apply following its termination to any obligations incurred or arising prior to its termination.


We reserve the right to change, add or delete any of the terms set forth below, as well as any of the Services. We will inform you by posting a revised Agreement at the Site. Your continued use of the Site or Services after such notice will be evidence of your agreement to the changes. As such, you should visit this page periodically.


The use of this website and the validity, interpretation and legal effect of this Terms of Use will be governed by the laws of the Philippines, and all applicable rules and regulations of the Bank, the Bangko Sentral ng Pilipinas, without reference to its conflict of law provisions. We make no representation that the materials in or the content of this Site are appropriate or available for use in all locations.


Our excellence in performance has earned recognition in the different industries we operate.
We have 48 widely diversified business units and operations that span in the Philippines, Indonesia, Papua New Guinea, Netherlands and United States.