Privacy Policy

Website Terms of Use


Intended Audience and Use

COCL provides this website to you, subject to these Terms of Use. The Terms of Use may be updated by COCL from time to time without prior notice to you. You agree to review the most current version of the Terms of Use at: website (referred to in this Agreement as "the Site") and all the information, communications, software, scripting, photos, text, video, graphics, music, sounds, images and other materials and services found on the Site (collectively "Content"), are intended for the lawful use of COCL's customers, employees and members of the general public who are residents of Jamaica and over the age of 18 years. The Site is controlled and operated in whole or in part by COCL from its offices within Jamaica. COCL makes no representation that these materials are appropriate or available for use in other locations. Persons who access the Site from other locations do so at their own risk and are responsible for compliance with applicable local laws. You acknowledge that COCL reserves the right in its sole discretion to refuse or terminate access to the Site by you at any time.

Acceptance of Terms

You acknowledge that you have read and agree to be bound by these Terms of Use and to comply with all applicable laws and regulations, including without limitation U.S./Jamaican export and re-export control laws and regulations regarding the transmission of technical data exported from the United States/Jamaica or the country in which you reside. You further agree to comply with all local laws and regulations, including but not limited to any regulatory guidance issued by the Bank of Jamaica, the Financial Services Commission, or the Jamaica Stock Exchange, as well as with any Anti-Money Laundering, Anti-Terrorism and Proceeds of Crime regulations, and any rules regarding online conduct and acceptable content. You represent that you have the legal authority to accept these Terms of Use on behalf of yourself or any party you represent. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT USE THE SITE.

Availability of Products and Services

The products and services that you can view or access via this Site may not be allowed in certain jurisdictions outside of Jamaica. COCL does not solicit the use of its products and services in jurisdictions where such use is prohibited by law. The products and services described in this Site are available only in geographical locations in which COCL is authorised to operate, and COCL reserves the right to make the final determination as to whether you are eligible for any product or service offered via this Site.

Restrictions on Use of Content

All Rights Reserved. THE UNAUTHORIZED COPYING, DISPLAYING OR OTHER USE OF ANY CONTENT FROM THIS SITE IS A VIOLATION OF THE LAW. You acknowledge that you have been advised by COCL that the Content is protected in Jamaica and internationally by a variety of laws, including but not limited to copyright laws and treaty provisions, trademark laws, patent laws, and other proprietary rights laws (the rights so protected collectively referred to herein as "Rights"). In addition to COCL's Rights in individual elements of the Content, COCL or its licensors own a copyright in the selection, coordination and arrangement of the Content. You are hereby granted permission to access the Content from the Site in whole or in part, solely for your personal, non-commercial use of viewing and browsing through the Site or accessing or ordering products or services from the Site. This permission terminates automatically if you breach any of the Website Terms of Use or Regulations Ministry of Labour and Social Security. If, pursuant to an authorization from COCL, you download software from the Site, the software, including all code, files, images, contained in or generated by the software, and accompanying data, are deemed to be licensed to you by COCL. Neither title nor intellectual property rights are transferred to you, but remain with COCL, who owns full and complete title. You may not resell, decompile, reverse engineer, disassemble, or otherwise convert the Software to a perceivable form. COCL does not grant you any permission to use the Content other than the permission expressly stated in these Terms of Use. All other use of Content from the Site, including, but not limited to uploading, downloading, modification, publication, transmission, participation in the transfer or sale of, copying, reproduction, republishing, creation of derivative works from, distribution, performance, display, incorporation into another website, reproducing the Site (whether by linking, framing or any other method), or in any other way exploiting any of the Content, in whole or in part, or downloading and using software repeatedly for uses other than those expressly permitted may not be made without COCL's prior express written consent.

Trademarks and Service Marks

There are a number of proprietary logos, service marks, trademarks, slogans and product designations found on this Site. By making them available on this Site, COCL is not granting you a license to use them in any fashion. Access to this Site does not confer upon you any license under any of COCL's or any third party's intellectual property rights. All the Stylized COCL Logos are registered in the Jamaica Intellectual Property Office. All other product or service names are the property of their respective owners.

Submission of Information

Although COCL provides certain encryption in an effort to protect the electronic transmission of financial information (including but not limited to your PIN and taxpayer registration numbers) that you submit to COCL through the Site, COCL does not guarantee the security of any information transmitted to or from the Site. You understand and agree to assume the security risk for any information you provide using the Site.

While we are doing all we can to safeguard your information, there are also important measures you can take to protect yourself when you bank online. Please take the time to read over this valuable security information, and be sure to share it with any friends or family members who also bank online.

Your Responsibility

Maintaining the care, control and confidentiality of your User ID and password is your responsibility as set out in our customer agreements. COCL is not responsible for unauthorized access to accounts online or losses that occur as a result of you voluntarily disclosing your User ID and password, or the careless or improper handling, storing or disclosure by you of this information. In the event of loss, theft, misuse or compromise of your user ID and/or password, COCL must be notified within a reasonable time and in any case no later than seven (7) days after the loss.

Other than the Demographic Information, do not send any confidential or proprietary information to COCL through the Site. Except for the personally identifiable information relative to you, any information you do send to COCL through the Site will be deemed NOT to be confidential ("Non-Confidential Information"). For any Non-Confidential Information you do send, you hereby grant COCL an unrestricted, royalty-free, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute the Non-Confidential Information, and agree that COCL is free to use any ideas, concepts, know-how or techniques that you send COCL for any purpose whatsoever without compensation to you or any other person sending the Non-Confidential Information. Your personally identifiable information you submit to us shall be treated in accordance with our Privacy Policy.

You are prohibited from posting or transmitting to or from the Site any unlawful, threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other material that could give rise to any civil or criminal liability under the law.

Cocl Privacy Policy

COCL's collection and use of personally identifiable information about you is subject to our Privacy Policy, which may be accessed by clicking the link at the bottom of the page.

Participation In Promotions And Other Site Activities

If you choose to participate in a promotion or other activity sponsored by COCL ("Website Activity"), you agree to comply with any rules or regulations governing such Website Activity. Additionally, as a condition of your continued participation in the Website Activity, you agree not to:

1) upload, post, email, transmit or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;

2) harm minors in any way;

3) impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity;

4) forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Website Activity;

5) upload, post, email, transmit or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);

6) upload, post, email, transmit or otherwise make available any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;

7) upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising , promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;

8) upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

9) interfere with or disrupt the service or servers or networks connected to the service, or disobey any requirements, procedures, policies or regulations of networks connected to the service;

10) "stalk" or otherwise harass another person or entity; or

11) collect or store personal data about other users. You agree that violation of any of the foregoing will result in your immediate disqualification from participant in the Website Activity, and may result in additional legal actions being taken by COCL.

Links to Third Party Websites

This Site may provide links to other third-party World Wide Websites or resources. COCL makes no representations whatsoever about any other website which you may access through this Site. Because COCL has no control over such sites and resources, you acknowledge and agree that COCL is not responsible for the availability of such external sites or resources and is not responsible or liable for any content, advertising, products, services or other materials on or available from such sites or resources. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses or other items of a destructive nature. References on this Site to any names, marks, products or services of any third parties or hypertext links to third party sites or information are provided solely as a convenience to you, and do not constitute or imply an endorsement, sponsorship or recommendation of, or affiliation with the third party or its products and services. COCL makes no representation or warranty as to any third party content, products or services, and you agree that COCL shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such third-party content, products or services available on or through any such site or resource.


Notices to you may be made via either email or regular mail. COCL may also provide notices of changes to the Terms of Use or other matters by displaying notices or links to notices to you generally on the Site.

Disclaimer of Warranty

COCL does not warrant or make any representations regarding the availability, use, timeliness, security, validity, accuracy, or reliability of, or the results of the use of, or otherwise respecting, the content of the site or any other websites linked to or from the site. Any material downloaded or otherwise obtained through the use of the site is done at your own discretion and risk, and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material, or use of this site. The content of the site is provided "as is" and on an "as available" basis, without warranties of any kind either express or implied. To the fullest extent possible pursuant to applicable law, COCL disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or other violation of rights.

Some jurisdictions do not allow the exclusions or limitations on how long an implied warranty lasts, so the above limitations or exclusions may not apply to you. Notwithstanding the foregoing, COCL'S total liability to you for any loss or damage incurred as a result of breach of implied warranty in respect of your use of this site, its content or links, shall not exceed the amount you paid to access this site.

No advice or information, whether oral or written, obtained by you from COCL shall be deemed to alter this disclaimer of warranty, or to create any warranty.

E-Mail Disclaimer

COCL is not responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out of your use of this website and/or any web browser, including any damage you may suffer if you transmit confidential or sensitive information to us or if we communicate such information to you at your request over the internet.

Limitation of Liability

COCL will not be liable for any damage of any kind arising out of or relating to the use of or the inability to use this site, its content or links, including but not limited to damage caused by or related to errors, omissions, interruptions, defects, delay in operation or transmission, computer virus, line failure, and all other direct, indirect, special, incidental, exemplary or consequential damage, even if COCL has been advised of the possibility of such damage.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damage, so the above limitation or exclusion may not apply to you. Notwithstanding the foregoing, COCL'S total liability to you for all losses, damage, and causes of action, including but not limited to those based on contract, tort or otherwise, arising out of your use of this site, its content or links, shall not exceed the amount you paid to access this site.


COCL may modify, suspend, withdraw or discontinue, temporarily or permanently, the Content, in whole or in part, at any time without notice. You agree that COCL shall not be liable to you or to any third party for any modification, suspension, withdrawal or discontinuance of the Content. COCL may at any time revise these Terms of Use by updating this posting. By using the Site, you agree to be bound by any such revisions and you agree to periodically visit this page to determine the then current Terms of Use to which you are bound.


You agree that COCL, in its sole discretion, may terminate or restrict your use or access to this Site (or any part thereof) for any reason, including, without limitation, that COCL believes you have violated or acted inconsistently with the letter or spirit of these Terms of Use, or the terms, conditions, or rules of a contest or other promotion contained within the Site.

General Information

The section headings in the Terms of Use are for convenience only and have no legal or contractual effect.

The Terms of Use constitute the entire agreement between you and COCL in respect of this Site and govern your use of the Site, superseding any prior agreements between you and COCL relating to your use of the Site. You may also be subject to additional terms and conditions that may apply when you use, purchase or order products or services, participate in a COCL-sponsored program or service, or use or download software.

If any provision of these Terms of Use is held to be invalid by any law, rule, order or regulation of any government or by the final determination of any state or federal court, such invalidity shall not affect the enforceability of any other provision of the Terms of Use.

The failure of COCL to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision.

Choice of Law and Choice of Jurisdiction

By accessing the Site you agree that the statutes and laws of Jamaica will apply to all matters relating to use of the Site without regard to conflicts of laws principles, and you agree that any litigation shall be subject to the exclusive jurisdiction of the Supreme Court of Jamaica.


Information provided by COCL and other sources on this website is believed to be accurate and reliable when placed on this site, but we cannot guarantee it is accurate or complete or current at all times. Information on this site is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard. We endeavor to keep the rates and fees posted at this site current. However rates, fees and information are subject to change at any time without notice to users and the posted rates and fees at the site may not immediately reflect such changes.

Limitation of Actions

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or the Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred.


Please report any violations of these Terms of Use to COCL at