These terms and conditions govern your use of Habib Bank AG Zurich’s website: www.habibbank.com. Please read them carefully.

You are required to abide by Habib Bank AG Zurich’s terms to access its website www.habibbank.com. This website contains links, pages, data, and information of other country-specific websites and pages owned and operated by Habib Bank AG Zurich (incorporated in Switzerland), its subsidiaries, and affiliates. By accessing this website and online services and any pages thereof, you agree to be bound and indicate your acknowledgement and acceptance of these terms and conditions.

If you do not agree or accept the terms and conditions below, do not access this website and any other related online services and pages.

1) Access, Use, and Eligible Visitors

Although others may be able to access this website, it is not directed to or intended for distribution or use by any person or entity in any country or jurisdiction where its access, use, publication, or distribution may breach any local law or regulation. If you choose to access information on this website, it is your responsibility to comply with applicable local, national, and international laws, and any use of this website is entirely at your own risk. For guidance relating to your specific situation, you should seek independent legal advice. From time to time, Habib Bank AG Zurich may restrict access to some parts of the website, or its entire website, to users who have registered with it.

Habib Bank AG Zurich reserves the right to withdraw or amend the products or services it provides on its website without notice. Whilst Habib Bank AG Zurich makes every effort to ensure that the website is available at all times, given the nature of the Internet, it cannot guarantee this will always be the case or that the website will be fault or error-free.

You are responsible for making all arrangements necessary for you to have access to this website. You are also responsible for ensuring that all persons who access this website through your Internet connection and login details are aware of these website terms and conditions of use, and that they comply with them.

You may use the website only for lawful purposes. You may not use the website or its contents:

• In any way that breaches any applicable local, national, or international law or regulation or that is unlawful or fraudulent; or
• To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam)

You also agree not to access without authority, interfere with, damage or disrupt:

• Any part of the website
• Any equipment or network on which the website is stored; or
• Any software used in the provision of the website

If the Bank considers that you are doing, or likely to do, anything which amounts to a breach of these website terms and conditions of use or otherwise adversely affects this website, it may immediately suspend your use of the website and/or any services which you use.

2) Liability

Habib Bank AG Zurich does not exclude or restrict, and nothing in these website terms and conditions of use should be read or construed as excluding or restricting, any duty or liability under the rules and regulations of FINMA or any other regulatory body under which Habib Bank AG Zurich, its subsidiaries, or affiliates operate and conduct business thereunder.

The information on this website is provided purely for general information purposes–it is not intended to and does not constitute financial, accounting, tax, legal, investment, consulting, or other professional advice or services. Before making any decision or taking any action which might affect you or your business, you should take appropriate advice from a suitably qualified person. Habib Bank AG Zurich disclaims all warranties, including but not limited to the timeliness, accuracy and/or completeness of the information provided, and its suitability for a specific objective.

Except as required by law, Habib Bank AG Zurich is not liable for any damage or loss, whether in contract, tort (including negligence), or otherwise, arising from your use of or inability to access the website, or from any interruption or delay in access to the website for any reason. The Bank does not guarantee that this website will operate error-free or that it is free from computer viruses or other harmful components.

3) No Guarantee

The information contained in this website, including but not limited to the text, graphics, links, sounds, pictures, and any other information, has been carefully obtained and analyzed by Habib Bank AG Zurich. While every effort has been made to provide accurate and up-to-date information, Habib Bank AG Zurich does not furnish any guarantees or warranties (including liabilities towards third parties) regarding the accuracy, updating, or completeness of the information provided. The information on this website is for general purposes only and should not be used as a basis for forming opinions or making business decisions. Habib Bank AG Zurich does not guarantee uninterrupted website functionality or error-free operations, including the rectification of errors, or that the website and its server are free of viruses or other harmful elements.

Habib Bank AG Zurich does not accept any liability and will not be liable for any loss or damage arising directly or indirectly from the use of this website. The data, transactions, and functions made available through this website may change from time to time or may be cancelled without any prior notice.

Habib Bank AG Zurich is not under any obligation to provide text, data, and service(s) on the website or any part of it at all times or during particular hours. Habib Bank AG Zurich may withdraw, suspend, cancel, revoke, or restrict the service at its sole discretion.

4) Third-Party Websites

The website may contain links to other websites which are not under the Bank’s direct control. The Bank does not accept any responsibility or liability for enabling you to link to any other website, for the contents of any other website (or content referred to in or linked to such websites), for the security of any other website, or for any consequence of your acting upon the contents of such website. This website must not be framed on any other website; nor is any third-party permitted to link any other website to this website without obtaining the Bank’s prior written consent.

Any hyperlinks within this website are for information purpose only and any opinion, explicit or implied in news items through newspapers, magazines, periodicals, third-party links, etc. are solely those of the author, and do not necessarily represent those of Habib Bank AG Zurich.

5) Geographical Areas

Not all products and services are available in all geographical areas. You may not be eligible to request, participate, and use all products, functions, and services described on this website.

Your eligibility to a particular product(s), function(s) and service(s) is subject to geographical areas and to the final acceptance and approval by Habib Bank AG Zurich.

6) No Offer

Nothing on this website should be taken as an offer by Habib Bank AG Zurich. All products and services are subject to the relevant terms and conditions and to completion of the relevant application forms and other documentation. Habib Bank AG Zurich reserves the right to reject any application for services and/or products contained in this website.

7) Copyright

The contents of the website(s) including, but not limited to its logo, pages, text, graphics, links, pictures, sounds, information, and material therein are the property of Habib Bank AG Zurich and protected by copyright. Any unauthorised use or link or reproduction of information, material and hPLUS proprietary software is strictly prohibited. www.habibbank.com is owned by Habib Bank AG Zurich.

8) Intellectual Property

Habib Bank AG Zurich is the owner or the licensee of all intellectual property rights relating to the website and in the material published on it. These works are protected by intellectual property laws and treaties around the world. The letter style and representation, the Lion and Sword logo and the Arabic calligraphic representation are registered trademarks. The full content of this website (including all text, information, graphics, animation, and images) is subject to copyright, with all rights reserved. Any infringement of these rights is prohibited. You may only download material from this website for your own personal use; any use for any other purposes, or any alteration, transfer, sale, distribution or reproduction of the information, publications, or data is prohibited, regardless of the form in which or the means by which these are made available on the website.

9) Use of Information, Material, and Services

Any or all information and material contained in these text, graphics, links, pictures, and pages are subject to change without any prior notification. Any information or request or secure mail submitted to Habib Bank AG Zurich through this website is deemed to be the property of Habib Bank AG Zurich. The information and opinion disclosed on the website is neither an invitation nor an offer to purchase or invest nor an invitation or an offer to perform a transaction.

10) Waiver

If you breach these website terms and conditions of use and Habib Bank AG Zurich takes no action, Habib Bank AG Zurich will still be entitled to use its rights and remedies in other situations where you are in breach.

11) Variations

Habib Bank AG Zurich may revise these website terms and conditions of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes Habib Bank AG Zurich makes, as they are binding on you. Some of the provisions contained in these website terms and conditions of use may also be superseded by provisions or notices published elsewhere on the website.

12) Entire Agreement

These website terms and conditions of use contain the entire agreement between you and Habib Bank AG Zurich relating to your use of this website.

13) Languages

The terms and conditions relating to this website and to all services provided through it are only available in English, and the Bank shall only communicate with you in English.

14) Company and Regulatory Information

Habib Bank AG Zurich’s registered head office is at Weinbergstrasse 59, 8006 Zurich, Switzerland, and it is regulated by the Swiss Financial Market Supervisory Authority (FINMA), Einsteinstrasse 27, 3003 Berne, Switzerland.