Legal Information

Privacy Policy

BNB Hana Bank respects the trust our customers place in us, and the confidential nature of information our customers share with us through their banking relationship. Accordingly, customer information is collected, retained, used and safeguarded with consideration for its confidentiality and used by BNB Hana only when it believes it is useful and allowed by law to administer its business and to provide products, services and other opportunities to our customers. BNB Hana places limitations on employees who need to handle such data in the course of doing business with our customers, as well as on anyoutside companies that perform services related to our business, for example printing your checks or sending out tax reporting forms. BNB Hana maintains appropriate security standards and procedures to protect the confidentiality of customer information.

In the normal course of banking operations, it is both necessary that we communicate information to or about our customers, and sometimes mandatory that the bank provide information to the "outside". Examples of this include: the mailing of account statements and loan information to customers, responding to subpoenas, requests from bank regulators or other legally required disclosures of information, credit reporting, and risk management. In addition, customers may authorize the sharing of information for credit references, to enable payments by check or credit card, or for other business transactions.

These are some examples of the appropriate use of customer information. BNB Hana conducts such business within the framework of respect for the confidential nature of the information being provided and circumstances requiring disclosure.

BNB Hana strives to provide excellent service to our customers. We believe that the customers’ confidential information is enhanced by keeping customer data up-to-date and accurate. We recognize that customer input is an essential part of that effort. We want to reassure you that when you provide personal financial information to BNB Hana, your privacy is protected.

One of our goals is to offer our customers products that we think may be of interest to them. From time to time, BNB Hana will communicate with our customers to make them aware of our financial products and services. Occasionally, BNB Hana may introduce a financial product to our customers from a non-affiliated, outside company.

BNB Hana will continue to send notifications and other communications that are normally included in your statements. However, as a customer of BNB Hana, you may notify us if you do not wish to receive marketing information from unaffiliated companies via mail and/or phone. To exercise this right, you may notify us in writing at the following address:

BNB Hana Bank
250 Fifth Avenue
New York, New York 10001
Attention: Privacy Officer

Please provide your exact name, address, account number(s) and phone number, and indicate your preference of the following options regarding the distribution of marketing information:

Do not send information via U.S. mail or phone.

Do not send information via U.S. mail.

Do not send information via phone.

This policy was effective March 17, 2000, and may be modified from time to time.

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Terms & Conditions

NOTICE

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

USE OF INFORMATION AND MATERIALS.

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of BNB Hana Bank's (BNB Hana) web sites and systems including but not limited to unauthorized entry into BNB Hana's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by BNB Hana and/or its affiliates.

LINKS

THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES (NON-AFFILIATES OF BNB Hana). BNB Hana HEREBY DISCLAIMS LIABILITY FOR, ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, BNB Hana DOES NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEB SITE, NOR IS BNB Hana LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF BNB Hana AND THE THIRD PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE BNB Hana SITE.

NO WARRANTY

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". BNB Hana DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY

IN NO EVENT WILL BNB Hana BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF BNB Hana, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

SUBMISSIONS

All information submitted to BNB Hana via this site shall be deemed and remain the property of BNB Hana and BNB Hana shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides BNB Hana through this site. BNB Hana shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the BNB Hana entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing BNB Hana's responsibilities and obligations to customers in accordance with the BNB Hana Privacy Policy.

AVAILABILITY

This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

POTENTIAL DISRUPTION of SERVICE

Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:

  • hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;
  • software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
  • overload of system capacities;
  • damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;
  • interruption (whether partial or total) of power supplies or other utility of service;
  • strike or other stoppage (whether partial or total) of labor;

governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or

  • any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of BNB Hana.

ADDITIONAL TERMS

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

GOVERNING LAW

Use of this site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of New Jersey.

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