Terms And Conditions

1. Acceptance of Terms

By opening an account, using online/mobile banking, or interacting with Banco Arraiján Panamá in any form, you accept these Terms & Conditions and agree to abide by all applicable laws and regulations.

2. Eligibility

You must be at least 18 years old or the age of majority in your jurisdiction to open or operate an account with Banco Arraiján Panamá . Business accounts must be registered under a legal business entity.

3. Account Usage

• You are responsible for maintaining the confidentiality of your login credentials and account details.
• You agree not to use your account for illegal or unauthorized activities, including fraud or money laundering.
• Banco Arraiján Panamá reserves the right to freeze or close accounts if misuse or suspicious activity is detected.

4. Digital Banking Services

Access to our digital platforms (web and mobile) is provided as a convenience and may be subject to scheduled or unscheduled downtimes. Banco Arraiján Panamá is not liable for system unavailability or delayed transactions caused by technical issues.

5. Interest Rates & Fees

Interest rates, service fees, and other applicable charges will be disclosed at the time of account opening and are subject to periodic updates. A full schedule of fees is available on our website or at your local branch.

6. Privacy & Data Protection

We are committed to protecting your personal and financial data. Our practices are governed by applicable data privacy laws. Full details are outlined in our Privacy Policy.

7. Loan and Credit Agreements

Loan products are subject to approval. Terms such as repayment schedules, interest rates, and penalties will be clearly stated in your loan agreement. Defaulting may affect your credit rating or result in legal recovery actions.

8. Limitation of Liability

Banco Arraiján Panamá is not responsible for any loss or damage arising from unauthorized account access, data breaches due to user negligence, or any third-party services linked to our platforms.

9. Changes to Terms

Banco Arraiján Panamá may revise these Terms & Conditions at any time. We will notify users through email or public notices on our website. Continued use of our services after changes implies acceptance of the updated terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the country or region where Banco Arraiján Panamá is legally registered and operating.