Term & Conditions

Website Terms & Conditions

Please read these terms and conditions of use fully and carefully. By accessing Bancrédito International Bank & Trust, Corporation’s (“BIBTC”) website and any pages thereof, you agree to be bound by the terms and conditions as set forth below. If you do not agree to the terms and conditions as disclosed below, please do not access this site, or any pages thereof.
Keep in mind, not all the products and services disclosed are available in all geographic areas nor are available to all client types. Your eligibility for particular products and services is subject to final determination by BIBTC and/or its affiliates.


These terms & conditions constitute an agreement between you and BIBTC (the “Terms & Conditions”) and shall govern your use of any website or webpage operated by BIBTC, including but not limited to www.bancredito.com (the “Website”) , and all other sites to which this Website leads you to.
The Website is property of BIBTC and its licensors.
Your use of the Website is conditioned on your acceptance without modification of these Terms & Conditions, and your use of the Website constitutes your acceptance of these Terms & Conditions.
BIBTC reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms & Conditions, at any time. Nonetheless, you understand that it is your responsibility to check these Terms & Conditions periodically for changes. Your continued use of the Website following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms & Conditions, BIBTC grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use our Website.
Keep in mind, any BIBTC website may itself contain additional terms & conditions applicable to its users, including without limitation, particular features, conditions of use, penalties, incentives, rates and fees, if applicable. If any provision contained in these Terms & Conditions conflicts with any terms contained within any other BIBTC website(s), then these Terms & Conditions shall control.
Additionally, all BIBTC products and services have additional agreements and disclosures that shall govern your interaction which each product or service as is applicable to you. These Terms & Conditions in no way limit or affect your particular agreements for the products and services you have chosen to receive from BIBTC.

Property Rights

You recognize and agree, that the content of this Website is property of BIBTC and is protected by copyrights, trademarks, trade dress, trade secrets and patents in accordance to applicable intellectual property laws and regulations. Such property includes but is not limited to, text, software, sounds, photographs, videos and any other content displayed within the Website.
Therefore, as a visitor of this page, you must abstain from publishing, retransmitting, commercializing and/or utilizing any of the content herein provided without previous authorization from BIBTC and you recognize that you are subject to penalties as set forth by both local and federal law.
You may maintain a copy of the content included within this Website solely for personal, non-commercial use, as reference; and without infringing any copyrights.

Security Statement

Our Commitment
BIBTC understands that your trust in us depends on how well protected and guarded we keep your personal, business and account information. Our Privacy Policy is designed to ensure your information is secure regardless of the mean used, whether it is via a phone call, email, fax or BIBTC Online Banking. For more details concerning your privacy policy, read BIBTC’s Privacy Policy.
For your protection, no matter what mean you select, BIBTC will properly verify the identity of the client, before granting Access to their accounts. Furthermore, in our virtual world, our systems use firewalls, encryption and monitoring systems to protect your information.
Security is Everyone's Responsibility
BIBTC takes the safeguarding of your information seriously. In fact, we believe keeping your information secure is the responsibility of every employee. When we offer access to BIBTC Online Banking services, we will provide a username and temporary password that will allow us to identify you.
We recommend that you, the Client, take the necessary measures to protect this username and temporary password. The provisional password must be changed by the Client the first time you access BIBTC Online Banking Services. Do not share your login or password with anyone. Any and all authorized or unauthorized use of your username and password will be your sole responsibility, and BIBTC will not be made responsible for such misusage.
Remember, none of our employees will request your password. Therefore, if you receive an email or a phone call requesting said information, you should restrain from disclosing it.
We recommend that you change your password regularly. Additionally, we may request for you to change it at any given period. If you believe that your password has been copied or stolen, change it and contact BIBTC as soon as possible. Please call us at 787-274-1678 / 79 or email us at servicios@bancredito.com.
Additionally, we also recommend that before forwarding emails, you delete all attachments to emails that you do not know its origin.
Remember to press the 'Exit' button once you've finished using the Website. When using a computer other than your personal computer, sign-off from your BIBTC Online Banking access and close the browser once finished.

What are Cookies?

A cookie is a small text file sent by a web server that is stored on the hard drive of your computer or your browser so that it can be read afterwards. Cookies cannot read information from you on your computer or be used to steal information about you and are not virus carriers.
The cookies are a basic way for a server to identify you (most cookies actually identify the computer you are using at the time, not you personally). Cookies are used for many things from personalizing their home pages to facilitating online purchases. Cookies help recognize repeat visitors who access Web pages and operate a very important function when you enter secure Internet banking. For your safety, BIBTC does not store any of your personal information in our cookies.

Use of Information

BIBTC does not disclose any nonpublic personal information about our customers, former customers or visitors to the Website to anyone except as permitted by law. For more information regarding the disclosure of information, please review our Privacy Policy.

Additional Disclosures

BIBTC does not promise that the Website or any content, service or features of the Website will be error-free or uninterrupted, or that any defects will be corrected, or that your use of the Website will provide specific results. The Website and its content are delivered on an “as-is” and “as-available” basis and all information provided on the Website is subject to change without notice. BIBTC cannot ensure that any files or other data you download from the Website will be free of viruses or contamination or destructive features. BIBTC disclaims all warranties, express or implied, including any warranties of accuracy, warranties or conditions of merchantability, fitness for a particular purpose, workmanlike effort, accuracy, title, quiet enjoyment, no encumbrances, no liens and non-infringement. BIBTC disclaims any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of the Website and/or any BIBTC services.
You assume total responsibility for your use of the Website and any linked Websites. Your sole remedy against BIBTC for dissatisfaction with the Website or any content is to immediately stop using the Website or any such content. This limitation of relief is an essential part of the bargain between the parties. The above disclaimer applies to any damages, liability or injuries caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction of or unauthorized access to, alteration of, or use, whether for breach of contract, tort, negligence or any other cause of action. BIBTC reserves the right to do any of the following, at any time, without notice: (1) to modify or change the Website, or any portion of the Website, and any applicable policies or terms; (2) to modify, suspend or terminate operation of or access to the Website, or any portion of the Website, for any reason; and (3) to interrupt the operation of the Website, or any portion of the Website, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

Connections with third parties

Our Website contains links to other websites of other companies or businesses, which may be provided as a courtesy and convenience for our customers and partners.
These companies or businesses as third parties may collect personal information from you when you visit their pages. For example, they collect personal information from you when you provide them with information about your bill or send them an email. Additionally, some merchants can also send cookies to collect data on your use and references in the Internet. When you make a "click" on an ad, the advertising company may also send a "cookie". We have no access to information collected by any third party, nor can we control how they use that information. If you have questions or interest in policies and practices of these companies, please check their websites and contact them directly.

Violation of these Terms & Conditions

BIBTC may disclose any information we have about you (including your identity) if we determine that such disclosure is necessary in connection with any investigation or complaint regarding your use of the Website, or to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) BIBTC's rights or property, or the rights or property of visitors to or users of the Website, including BIBTC's customers. BIBTC reserves the right at all times to disclose any information that BIBTC deems necessary to comply with any applicable law, regulation, legal process or governmental request. BIBTC also may disclose your information when BIBTC determines that applicable law requires or permits such disclosure, including exchanging information with other companies and organizations for fraud protection purposes. You acknowledge and agree that BIBTC may preserve any transmittal or communication by you with BIBTC through the Website or any service offered on or through the Website, and may also disclose such data if required to do so by law or if BIBTC determines that such preservation or disclosure is reasonably necessary (1) to comply with legal process, (2) to enforce these Terms & Conditions, (3) to respond to claims that any such data violates the rights of others, or (4) to protect the rights, property or personal safety of BIBTC, its employees, users of or visitors to the Website, or the public. You agree that BIBTC may, in its sole discretion and without prior notice, terminate your access to the Website and/or block your future access to the Website if we determine that you have violated these Terms & Conditions or other agreements or guidelines which may be associated with your use of the Website or for other cause, which includes (but is not limited to) (1) requests by law enforcement or other government agencies, (2) a request by you (self-initiated account deletions), (3) discontinuance or material modification of the Website or any service offered on or through the Website, or (4) unexpected technical issues or problems.

For more information please review your BIBTC General Disclosures tab.