Terms and Conditions

Effective as of July 2025

This website is operated by the Rural Bank of Lumban (Laguna) Inc. (“the Bank”). By accessing or using any part of this site, you acknowledge that you have read, understood, and agree to be legally bound by the terms set forth below. If you do not agree, you are advised to discontinue use of this site immediately.

1. Scope of Application

These Terms govern the use of all content, functionality, and services accessible through the official website of the Bank. They shall apply to all users, whether or not registration or login credentials are required for access.

2. Use of Website

Users are granted a limited, non-exclusive, and revocable license to access and use the website strictly for lawful and informational purposes. Any misuse—including, but not limited to, unauthorized extraction, distribution, or disruption of content or technical infrastructure—is expressly prohibited.

3. Proprietary Rights

All content found on this website—including textual materials, graphic designs, brand elements, and downloadable assets—is the intellectual property of the Bank, unless otherwise specified. The Bank also makes use of selected stock photography, duly obtained from free and royalty-free sources, in accordance with their licensing terms. Such materials remain the intellectual property of their original creators. Any reproduction, modification, republication, or redistribution of content is prohibited without the prior written consent of the Bank or the appropriate rights-holder.

4. No Offer or Guarantee

Information published on this website is provided for general informational purposes only and does not constitute a legally binding offer. All products and services offered by the Bank are subject to applicable eligibility requirements, supporting documentation, credit evaluation, and final approval by the Bank in accordance with its internal policies and applicable regulations.

5. Third-Party Resources

Links to external websites or platforms may be provided for convenience. The Bank assumes no responsibility for the content, accuracy, security, or practices of third-party websites. Inclusion of such links shall not be construed as endorsement.

6. Availability and Technical Disruptions

While the Bank endeavors to maintain a secure and accessible digital environment, it does not warrant the continuous availability of the website or the absence of technical faults. Access may be temporarily restricted for maintenance, upgrades, or unforeseen operational issues.

7. Limitation of Liability

To the maximum extent permitted by law, the Bank shall not be held liable for any direct, indirect, incidental, or consequential damages arising out of the use—or inability to use—this website, including reliance upon any content herein.

8. Amendments

The Bank reserves the right to amend, modify, or update these Terms at its sole discretion and without prior notice. Users are encouraged to review this page periodically. Continued use of the site following any amendments shall constitute acceptance of the updated Terms.

9. Governing Law and Dispute Resolution

These Terms shall be governed by and interpreted in accordance with the laws of the Republic of the Philippines. Any disputes or claims arising in connection with the use of this website shall be submitted to the exclusive jurisdiction of the competent courts of Laguna.

10. Contact Information

For questions, notices, or legal correspondence, users may contact the Bank via the following channels:

Phone: (049) 501 4850
Email: rblumban@rbap.org
Address: National Highway Brgy. Lewin, Lumban Laguna Philippines, 4014