Terms & Conditions
1. Scope of These Terms
These Terms & Conditions govern your use of this website, rbtbank.com (the "Site"), operated by RBT Bank Inc., A Rural Bank ("RBT Bank," "we," "us," or "our"). By browsing or using the Site, you agree to these terms.
These terms apply only to your use of this website. They are not, and do not replace, the separate account opening agreement, loan agreement, disclosure statement, or other product-specific terms and conditions you sign or receive when you open a deposit account, apply for a loan, or use any RBT Bank product or service. Those documents remain the governing terms for your actual banking relationship with us.
2. No Online or Mobile Banking
RBT Bank Inc. does not currently offer online or mobile banking, ATM services, or any facility to move money through this website. Nothing on this Site should be used, or can be used, to access accounts, transfer funds, or authenticate a banking transaction. Account opening, deposits, withdrawals, and loan releases are handled in person at our branches during banking hours.
3. Acceptable Use
You agree not to:
- Use the Site for any unlawful purpose, or in a way that could damage, disable, or impair it;
- Attempt to gain unauthorized access to any part of the Site or its underlying systems;
- Submit false, misleading, or fraudulent information through the Contact form or chat assistant; or
- Copy, reproduce, or redistribute Site content for commercial purposes without our written permission.
4. Illustrative Tools
The loan calculator and currency converter on this Site use static, illustrative figures for general reference only. They do not reflect live rates, do not constitute a loan offer or pre-approval, and are not connected to your actual account or transaction data. Final rates, fees, and terms are determined at the branch based on your specific application.
5. No Investment or Financial Advice
Content on this Site — including product descriptions, rate illustrations, and the FAQ chat assistant — is provided for general information only and does not constitute financial, investment, or legal advice. Please speak with branch staff about your specific circumstances before making a financial decision.
6. Intellectual Property
The RBT Bank name, logo, and the design, text, graphics, and other content on this Site are owned by or licensed to RBT Bank Inc. and are protected by applicable intellectual property laws. You may view and print pages for personal, non-commercial use, but may not otherwise reproduce or distribute them without our permission.
7. Third-Party Links
This Site links to third-party resources, including Google Maps and Facebook. We do not control and are not responsible for the content, availability, or privacy practices of third-party sites.
8. No Warranty
This Site is provided "as is." While we aim to keep information accurate and current, we do not warrant that the Site will be error-free, uninterrupted, or that all content is complete or up to date. Property listings, job openings, and event details are updated periodically and should be confirmed with a branch before you rely on them.
9. Limitation of Liability
To the extent permitted by law, RBT Bank Inc. is not liable for any indirect, incidental, or consequential loss arising from your use of, or inability to use, this Site.
10. Governing Law
These terms are governed by the laws of the Republic of the Philippines, without regard to conflict-of-law principles.
11. Changes to These Terms
We may update these Terms & Conditions from time to time. Material changes will be reflected by an updated "Last updated" date at the top of this page.
12. Contact Us
For questions about these Terms & Conditions, please visit our Contact page for current phone, email, and branch details.