Legal Disclaimer

• This Website is owned and maintained by Khaleeji Commercial Bank (referred to as "Bank" hereafter) for your personal information, communication, education and use. The Website may contain links to other websites, having further linked websites, operated by parties other than the Bank ("Linked Websites").


• The use of Website is governed by the following terms and conditions and other terms and conditions as indicated on this Website ("T & C") and all the applicable laws as also any separate terms and conditions for certain sections as may be applicable and in the event of any conflict such specific terms and conditions shall prevail. By accessing and using Website you agree to accept, without limitation or qualification, all the T & C. The Content (information, material, news items, data, etc.) of the Website including the T & C are subject to change at the sole discretion of the Bank, without prior notice.


• Bank owns all the right, title and interest including the copyright in respect of all the Content including various logos, trademarks, service marks etc., unless indicated otherwise. You may use/download the Content only for noncommercial and personal use, provided you retain all copyright and other proprietary notices contained therein. You shall not, however, reproduce, distribute, redistribute, modify, transmit, reuse, report, or use the Content for public or commercial purposes without Bank's written permission. You shall not use the Content for illegal purpose.


• Products and services offered on the Website are available only in restricted geographical regions. This Website does not offer any products or services to citizens of or in the jurisdictions whose laws conflict with, differ from, or provide higher requirements than those necessitated by, the laws of the Kingdom of Bahrain.


• The development of the Website with respect to the Content and software made available and products and services ("Products") offered through it, is a continuous and an on going process and Products are provided on "best effort basis". Bank makes all attempts to keep the Products updated and accurate, but Products may not be up to date. Bank makes no warranty or representation, express or implied, including, but not limited to any warranties or representations as to the accuracy, reliability or completeness of the Products and/or fitness for a particular purpose.


• The development of the Website with respect to the Content and software made available and products and services ("Products") offered through it, is a continuous and an on going process and Products are provided on "best effort basis". Bank makes all attempts to keep the Products updated and accurate, but Products may not be up to date. Bank makes no warranty or representation, express or implied, including, but not limited to any warranties or representations as to the accuracy, reliability or completeness of the Products and/or fitness for a particular purpose.


• Any Content on Website must not be construed as investment advice, and you should exercise due caution and/or seek independent advice before entering into any investment or financial obligation based on the Content.


• The contents displayed or the products/services offered on the Linked Websites or any quality of the same are not endorsed, verified or monitored by Bank in any way. Bank makes no representation or warranty, express or implied, of any kind whatsoever, pertaining to the Linked Websites.


• Though the Bank will take steps to prevent introduction of virus and other such destructive materials on the Website, it does not represent, warrant or guarantee that the Website or the Content downloaded from the Website or Linked Websites do not contain such virus or destructive materials. Bank is not liable for any damage or harm attributable to such virus or destructive materials. The Bank does not warrant that the Website or functions there of will be uninterrupted or free of any error or defect.


• Bank shall not be liable to you or any third party (whether or not the access is authorised) for any cost, loss, damage or the like, incurred / suffered, directly or indirectly, due to:

• Use of the Websites or Products in violation of the applicable terms and conditions of such usage or the applicable laws or otherwise failure to abide by such terms and conditions or laws.


• Any action based on the Content or any use or application of the same or any error or omission relating to the transmission of the Content.


• Bank's Failure to act upon your instructions.


• Non availability of the Internet Services in the desired manner.


• Loss of any instruction in any communication channel or of any stored data/instructions; due to any reasons beyond the control of the Bank at the relevant point of time, including any problems and difficulties arising due to power and electricity failure, computer errors, programming errors, software or hardware errors, computer breakdown, non-availability of Internet connection, communication problems between the Bank's server and User's computer network, shutting down of the Bank's server, non-availability of links, corruption of the computer software, problems in the telecommunication network and any other technology related problems, natural calamities/ disasters, legal restraints, industrial disputes or any other reason beyond the control of the Bank.


• Any unauthorised transaction through this Website due to your fraudulent or negligent usage


• Any unauthorised / fraudulent / erroneous use of or hacking or intrusion into the computer network of the Bank by any third party due your negligent or fraudulent conduct.


• You or any third party accessing the Website irrevocably agrees to the exclusive jurisdiction of the courts at Kingdom of Bahrain in relation to any matter connected or related to use or access of the Website and waives any objection to any proceedings on grounds of venue or on the grounds that the proceedings have been brought in an inconvenient forum. The governing law in such legal proceedings referred to above shall be the laws of the Kingdom of Bahrain.

PRIVACY & SECURITY POLICY

Use of Customer Information / Statistical Information

We may use the Customer Information for, among other things, customer verification, provision of products and services, for personalization of products or services, marketing or promotion of our financial services or related products or that of our associates and affiliates; for creation of Statistical Information, statistical analysis or credit scoring, enforcement of your obligations, any other purpose that will help us in providing you with optimal and high quality services. This Policy holds true for a non-customer who has provided information to the Bank, by any means, with the intentions of establishing a relationship, of whatsoever nature, with the Bank. By divulging any information to us you agree to the terms and conditions of this Policy. Disclosure We shall not be held liable for disclosure of the Customer Information or Statistical Information in accordance with this Privacy Commitment or in terms of any other agreements with you.

• We may disclose Customer Information to any of our associates and affiliates, without any limitation and you hereby give your consent for the same.


• We may disclose the Customer Information to third parties for following, among other purposes, and will make reasonable efforts to bind them to obligation to keep the same secure and confidential and an obligation to use the information for the purpose for which the same is disclosed, and you hereby give your irrevocable consent for the same:

(i) To comply with legal or regulatory directive/ instruction. Or
(ii) To enforce the Terms and Conditions of the products or services. Or
(iii) To protect or defend our rights, interests and property or that of our associates and affiliates, or that of our or our Affiliate's employees, consultants etc. Or
(iv) For fraud prevention purposes. Or
(v) For advertising. Or
(vi) For facilitating joint product promotion campaigns. Or
(vii) For the purposes of credit reporting, verification and risk management to/ with credit information bureau and the like.

Security

We have taken reasonable measures to protect security and confidentiality of the Customer Information and its transmission through the World Wide Web. You are required to follow the Terms and Conditions while using this Website. The Bank will give access to Customer Information to only authorised employees. Employees who violate this Privacy Policy shall be subject to disciplinary process as per the byelaws of the Bank. Any employee who withdraws from the employment of the Bank will have to undertake to abide by this Privacy Policy and keep all Customer Information secure and confidential.