Intended Audience and Use
Acceptance of Terms
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
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.
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.
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.
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.
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.
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.
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