Terms & Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.

BY ACCESSING THIS WEBSITE (http://www.cbiuae.com) AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS WEBSITE OR ANY PAGES THEREOF.

You understand that these Website Usage Terms are in addition to, and not in derogation of, the applicable Terms and Conditions relating to your usage of any other services that you may be currently availing or in the future may avail, including, without limitation the Internet Banking service.

Use of this Website implies that you accept these terms and conditions.

COPYRIGHT COMMERCIAL BANK INTERNATIONAL "CBI". ALL RIGHTS RESERVED.

COPYRIGHT

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is solely owned by CBI unless otherwise indicated.

You may reproduce this information in hard copy solely for your personal use. The information may not be reproduced, distributed or transmitted to any other person or incorporated in any way into another publication or other material. All information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) on the Website is protected by copyright in favour of CBI under applicable copyright laws and is also protected otherwise under general intellectual property law.

All names, logos and trademarks appearing on this Website are owned by CBI or by third party who have granted CBI a right to use them on this Website. The use or misuse of these names, logos and trademarks or any other content on this Website is prohibited. Nothing contained herein shall be construed as granting the user of this Website the right to use any names, logos and trademarks displayed in this Website without the written permission of CBI.

USE OF INFORMATION AND MATERIALS

The information and materials contained in these pages and the Terms, Conditions, and descriptions that appear - are subject to change without prior notice. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to the final determination and acceptance by CBI. Investment products are not obligations of or guaranteed by CBI.

Investment services are not bank deposits or insured by CBI or any other entity, and are subject to investment risks, including possible loss of the principal amount invested. CBI does expressly disclaim liability for or arising from such investment services.

NO WARRANTY

The information and materials contained in this site, including text, graphics, links or other items - are provided "as is," "as available". CBI does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

CBI makes no warranties or representations express or implied - about the accuracy or completeness of this Website's content or of the content of any websites linked to it. The information contained in this Website is for information only and should not be relied upon for any purpose. Neither CBI nor any of its affiliates, officers, employees or shareholders shall be liable of any direct, indirect, incidental, consequential or special damages arising out of the use of this Website or any of the contents of this website linked to it.

LIMITATION OF LIABILITY

In no event will CBI be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if CBI, or representatives thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by CBI. CBI neither assumes nor accepts liability for any loss or damage (whether direct or indirect) howsoever caused, as a result of any computer viruses which may infect a user’s computer equipment arising from the use of this Website.

BI shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of CBI to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure event continues.

“Force Majeure Event” means any event due to any cause beyond the reasonable control of CBI, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorized access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication and more.

MODIFICATION

CBI reserves the right in its discretion to change without prior notice any information or material contained on this Website and the terms and conditions under which this Website is used.

TERMINATION

CBI may terminate access to this Website and use of its Internet Banking service at any time, with or without cause or prior notice.

SHARING INFORMATION WITH OUR BANK AFFILIATES

In order to provide financial services to you, we share certain information about you with our affiliates. We may share personal information (such as name, address and account number) and account information (such as type of accounts, account balances and transaction history) with our affiliates so that they can serve you more efficiently.

SHARING INFORMATION WITH THIRD-PARTY SERVICE PROVIDERS

In order for us to conduct our operations, including servicing your account or processing your transactions, we may need to share information with our service providers, including data processing companies, cheque, ATM, and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, credit reporting agencies and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep the customer information we provide to them confidential. We share the following categories of information with third-party service providers depending on the specific services provided:

• Personal information (name, address and account number)
• Account information (type of accounts, account balances and transaction history)
• Transaction information (dates, amounts, locations and type of transaction)

We do not share your account numbers with independent third-party marketers offering their own products and services. While we may assist in offering financial products and services of our affiliates or other financial service providers, we control the customer information used in connection with these offers.

SHARING INFORMATION AS LEGALLY REQUIRED OR PERMITTED

We may share your customer information in response to a lawful request issued by:

• a court
• a government agency
• a regulatory authority
• or as permitted by law

We may also share your information in response to a request made by a merchant or business necessary to effect, administer or enforce a transaction that you had requested or authorized in connection with the servicing or processing of a financial product or service, or to maintain or service your account with us.

You agree that CBI shall not be under any obligation of confidentiality to you regarding any such information or materials submitted to it using this Web Site unless agreed otherwise in a separate direct contract between you and CBI or required by law.

SUBMISSIONS

All information submitted to CBI via this site shall be deemed and remain the property of CBI and CBI shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides to CBI through this site. CBI shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the CBI or as required by law. You agree that you will not use the Website for any purpose that is unlawful, or prohibited by these Website Usage Terms. You also agree you will not use the Website in any manner that could damage, disable or impair the Website or interfere with any other party's use or enjoyment of the Website.

JURISDICTION AND RESTRICTIONS

CBI controls and maintains this Web Site from the United Arab Emirates and CBI makes no representation that the material and information contained herein is appropriate or available for use in other locations/jurisdictions. These Terms and Conditions are governed by UAE Law and any dispute shall be subject to the non-exclusive jurisdiction of the Courts of Emirate of Dubai.