These terms and conditions govern the use by any person of the online journal “Oriental Blog” (hereinafter, “Oriental Blog”), published on the website blog.orientalbank.com. By participating in or otherwise using Oriental Blog, you acknowledge and agree to the following terms and conditions, which may be updated or modified at any time at our discretion and without prior notice.

 

Oriental Blog is an interactive platform that allows users to access information on various topics and post comments or other information. COMMENTS, INFORMATION, AND OTHER EXPRESSIONS (COLLECTIVELY, THE “INFORMATION”) MADE OR POSTED BY ANY PERSON ON ORIENTAL BLOG ARE THE SOLE RESPONSIBILITY OF THAT PERSON; THEY DO NOT NECESSARILY REFLECT THE OPINIONS OF OFG BANCORP AND ITS AFFILIATED OR SUBSIDIARY COMPANIES (COLLECTIVELY, “ORIENTAL”), NOR THE OPINIONS OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS, AND HAVE NOT BEEN VERIFIED TO ENSURE THAT THEY ARE COMPLETE OR ACCURATE.

 

You use Oriental Blog at your own risk and are fully responsible for its use by you or by anyone acting on your behalf. By using Oriental Blog, you represent and warrant that you are at least twenty-one (21) years of age or, through emancipation, have the legal capacity to enter into contracts in Puerto Rico.

 

The Information on Oriental Blog is published without any express or implied warranty and is provided solely as a guide on matters that may be of interest to the general public. It does not constitute, nor may it in any way be interpreted as, legal, tax, financial, or any other type of professional advice; for such matters, you and any reader or user should consult your own advisors. You accept full responsibility for the results of any use you make of Oriental Blog and the Information. Oriental and its directors, officers, employees, and agents are not responsible for any direct or indirect damages arising from your use of Oriental Blog or any decision made based on the Information. Nor are they responsible for any errors, omissions, inaccuracies, or defects of any kind in the Information.

 

Any person wishing to copy, quote, or otherwise use Information from Oriental Blog must first obtain written authorization from Oriental; Oriental is under no obligation to grant such authorization.

 

Oriental may publicly disseminate any Information submitted to Oriental Blog. By submitting Information, you grant Oriental a worldwide, irrevocable, royalty-free license to use, copy, distribute, reproduce, edit, and/or publish such Information.

 

You agree and warrant that you will not post or transmit any Information or material on Oriental Blog that:

 

1. Results or may result in a violation of any intellectual property laws or regulations;
2. Violates or may violate the intellectual property rights of third parties, including but not limited to trade secrets, trademarks, patents, copyrights, or any other type of intellectual property;
3. Constitutes or may be interpreted as false, misleading, fraudulent, defamatory, harassing, stalking, threatening, offensive (including but not limited to vulgar, profane, or racist), obscene, or confidential Information or material;
4. Contains any “virus,” code, or programming that may damage, alter, or interfere with the operation of any computer or information or communication system;
5. Violates or encourages the violation of any law or regulation;
6. Constitutes advertisements or promotions of products or services; or
7. May be considered junk mail, spam, pyramid schemes, or similar materials.

 

By posting Information on Oriental Blog, you represent and warrant that you are doing so in your own name, that you are not impersonating any other person or entity, that you are not using names or information belonging to another person or entity, and that you have obtained all necessary permissions and licenses to submit and publish such Information on Oriental Blog.

 

By submitting Information to and using Oriental Blog, you release Oriental and its directors, officers, employees, and agents from liability and agree to indemnify them against any damages, claims, demands, causes of action, or liabilities of any nature arising from or related to the use of Oriental Blog, including, without limitation, any failure by you or any person acting on your behalf to comply with these Terms and Conditions.

 

Oriental Blog may not be used for any purpose that violates any applicable state or federal law or the privacy rights of any person. Oriental reserves the right, but not the obligation, to review the content of any Information before or after it is published on Oriental Blog. However, Oriental assumes no responsibility for the editorial control of such Information.

 

Oriental may, but is not obligated to, remove or prohibit the publication of any Information at any time. Oriental may modify, suspend, or terminate Oriental Blog at any time without prior notice.

Under no circumstances shall Oriental, its directors, officers, employees, or agents be liable for Information or conduct that is offensive, defamatory, harassing, stalking, threatening, objectionable, or unlawful on the part of any user of Oriental Blog; the risks of such conduct are borne entirely by the users of Oriental Blog. Nor shall they be liable for damages of any kind resulting from or related to the use of, or inability to use, Oriental Blog by you or any other person.

 

These Terms and Conditions shall be interpreted in accordance with the laws of the Commonwealth of Puerto Rico, and any dispute or cause of action related to these Terms and Conditions or Oriental Blog shall be litigated in the state or federal courts located in San Juan, Puerto Rico.