Terms of Use

Please review these Terms of Use. This is an important document. You must read it carefully and accept all of its terms and conditions before choosing to proceed. By clicking "Continue" you are electronically agreeing to the terms and conditions herein. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, YOU MUST STOP USING THIS SITE IMMEDIATELY.

In these Terms of Use:

"Site" means any website or mobile application we establish to allow you to inquire about or apply for banking services and accounts with BBVA, including all web pages associated therewith.

"We," "us," "our" and "BBVA" mean BBVA USA, Member FDIC, a member of the BBVA Group, or any other subsidiary of BBVA USA.

"You" and "your" mean anyone who accesses or uses this Site.

These Terms of Use govern your use of the Site and services related to the Site. In addition to these Terms of Use, you may enter into other agreements with us that will govern specific transactions. If there is any inconsistency or conflict between these Terms of Use and another agreement you enter into applicable to a specific transaction, the other agreement will take precedence in relation to the specific aspects of the transaction to which it applies.

Your Eligibility to Use This Site

This Site is intended solely for individual users who are (i) natural persons (ii) 18 years of age or older (19 or older if you are in Alabama); (iii) residents of the United States; and (iv) residents of Alabama, Arizona, California, Colorado, Florida, New Mexico or Texas. By using this Site, you represent that you meet these criteria and that you agree to and will abide by all of the terms and conditions of these Terms of Use. If you violate any of these Terms of Use, or violate any other agreement with us, in our discretion, we may prohibit you from using or accessing the Site or any portion, aspect, or feature of the Site.

Wireless Operator Data

You authorize your wireless operator to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber and device details, if available, to BBVA and service providers for the duration of the business relationship, solely for identity verification and fraud avoidance. See our Privacy Policy for how we treat your data.

Communications

By providing BBVA or its affiliates or agents with your phone number (including mobile), email address or other contact information, you give BBVA, its affiliates, and its agents, your permission to contact you through those means about your inquires, applications, or accounts with BBVA, including accounts you may open in the future. Your consent allows BBVA, its affiliates, and its agents, to use text messaging, artificial or prerecorded voice messages, and calls made by an automatic telephone dialing system to contact you. This express consent applies to each telephone number that you provide to BBVA now or in the future. Message and data rates may apply. You consent and authorize BBVA to monitor, and to record, telephone conversations and other electronic communications you have with BBVA and its representatives for reasonable business purposes, including security and quality assurance.

Security

If you use the Site, you agree to protect and maintain the security of your devices used for accessing the Site and for the confidentiality of your account information, including any access credentials used to access the Site. If you learn of any unauthorized use of your access credentials or account, you agree to immediately contact us. You agree that you are solely responsible for maintaining the security of your devices used for accessing the Site and for the confidentiality of your account information. You are solely responsible for any and all activity that occurs under your account as a result of your failing to keep this information secure.

Permitted Use

You agree that you will not use or attempt to use the Site for any purpose other than inquiring about or applying for banking services and accounts with BBVA. You acknowledge and agree that we may rely, without independent verification, on the accuracy, authenticity, and completeness of all information you provide. You certify that you will not use the Site in any manner that: (i) uses technology or other means not authorized by us to access the Site information or our systems; (ii) encourages conduct that would constitute a criminal offense or that gives rise to civil liability; (iii) is unlawful, fraudulent, or deceptive; or (iv) otherwise violates these Terms of Use. 

Account Application Processing

When evaluating your application, you acknowledge that we will conduct a soft credit pull to check the rates, products, and terms for which you may qualify. 

You acknowledge and agree that the terms of any account options presented to you may change from day-to-day, or even from hour-to-hour. If you leave the Site or pause the application process, any rate and term information presented is subject to change.

When you apply for an account, you represent and warrant to BBVA that all the information you provide is true and accurate and that you have not provided any false, misleading, or deceptive statements or omissions of fact in your application. If any information you provide is untrue, inaccurate, or incomplete, we have the right to reject any application you have submitted and restrict your future use of the Site.

To open an account, you must submit a complete application, which must be approved by BBVA. After approval, you will be presented with your final terms and disclosures. We may withdraw our approval of your application at any time prior to origination (i) in the event of any inaccuracy or omission in your application, (ii) if you committed fraud or made a misrepresentation in connection with your application, or (iii) any other disqualifying event occurs. We have the right to reject any application for an account. If your application is declined or withdrawn, BBVA will retain a record of your application for a period of at least 25 months as required by federal law.

Your Cooperation

If you submit an application, you agree to cooperate in the application process by submitting any required documentation in a timely manner and, if applicable, by obtaining information BBVA may need from third-parties. You agree to notify us of any changes in any information submitted in connection with your application.

Use of Marks, Materials and Suggestions

The names, logos and all related product and service names, design marks and slogans are the property of BBVA, our affiliates and service providers. You are not authorized to use our names or marks in any advertising, publicity or in any other commercial manner without our prior written consent. You are not being granted a license under any copyright, trademark, patent or other intellectual property right in the material or the products, services, processes or technology described therein. We, our affiliates and/or any third party owner of such rights retain all such rights. Any feedback, questions, comments, suggestions, ideas or the like, which you send to us will be treated as being nonconfidential and nonproprietary. We will also be free to use any ideas, concepts, know-how or techniques contained in such information for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products and services incorporating such information.

No Warranty

THE SITE AND SERVICES PROVIDED IN CONNECTION THEREWITH ARE PROVIDED "AS IS" AND WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS IMPLIED OR STATUTORY. WE AND OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND SUPPLIERS DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES, OR GUARANTEES OF ANY KIND RELATING TO THE SITE, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES AS TO TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED, OR SECURE ACCESS TO THE SITE, AND THE OPERATION OF THE SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OUR CONTROL.

Limitation of Liability

YOU AGREE THAT ALL ACCESS AND USE OF THE SITE AND ITS CONTENTS IS AT YOUR OWN RISK. IN NO EVENT WILL WE OR OUR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, OR SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE SITE OR YOUR USE THEREOF.

Severability

You agree that if any provision of these Terms of Use is found to be unlawful or void, or for any reason unenforceable, then that provision will be deemed severable from the other provisions and shall not affect the validity and enforceability of such other provisions.

Revisions and Modifications

We reserve the right, at any time without notice to you and in our sole discretion, to change or discontinue the Site or the Terms of Use. Modifications to the Terms of Use may be provided through the Site, including by posting the revisions on the Site. Continued use of the Site following such modifications constitutes your acceptance of those modifications.

Governing Law

The Site is located in the State of Alabama, and these Terms of Use are governed by and construed by the law of the State of Alabama without regard to its conflicts of law provisions. You agree that any action at law or in equity arising out of or relating these Terms of Use or the use of the Site shall be filed only in the state or federal courts located in Jefferson County, Alabama, and you consent to the personal jurisdiction of such courts for the purposes of litigating any such action.

Patriot Act Notice

Federal law requires all financial institutions to obtain, verity and record information that identifies each person who opens an account or applies for a loan, including your name, address, date of birth, and other information that will allow us to verify your identity. We may also ask you to provide identifying documents.