These Terms & Conditions (together with the documents referred to therein) govern your use of this website. Please read them carefully.

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 access, use, publication, or distribution may breach local laws or regulations. If you choose to access information on this website, you are responsible for complying with applicable local, national, and international laws. Use of this website outside the United Kingdom is entirely at your own risk. You should seek independent legal advice regarding your specific situation. Occasionally, Habib Bank Zurich plc may restrict access to certain parts of the website or the entire website to registered users.

Habib Bank Zurich plc reserves the right to withdraw or amend the products or services provided on the website without notice. While Habib Bank Zurich plc strives to ensure the website is available at all times, it cannot guarantee this or that the website will be error-free.

You are responsible for making all necessary arrangements to access this website and ensuring that all persons accessing it through your internet connection are aware of these Terms & Conditions and comply with them.

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

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

You 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 Habib Bank Zurich plc believes you are breaching these Terms & Conditions or otherwise negatively affecting the website, it may immediately suspend your access to the website and/or any services you use.

2. Liability

Habib Bank Zurich plc does not exclude or restrict any liability under the Financial Services and Markets Act 2000 (or any replacement legislation), or the rules and regulations for business conduct thereunder.

The information on this website is provided for general information purposes only. It does not constitute financial, accounting, tax, legal, investment, consulting, or other professional advice. Before making decisions or taking actions that could affect you or your business, you should seek appropriate advice from a qualified professional. Habib Bank Zurich plc disclaims all warranties, including but not limited to the timeliness, accuracy, completeness of the information provided, and its suitability for any specific objective.

Except as required by law, Habib Bank Zurich plc 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 any interruption or delay in access to the website for any reason. Habib Bank Zurich plc does not guarantee that the website will operate error-free or that it is free of viruses or other harmful computer programs.

3. No Offer

Nothing on this website should be interpreted as an offer by Habib Bank Zurich plc. All products and services are subject to the relevant terms and conditions, and completion of the appropriate application forms and documentation. Habib Bank Zurich plc reserves the right to reject any application for services or products presented on the website.

4. Intellectual Property

Habib Bank Zurich plc owns or is licensed to use all intellectual property rights relating to the website and its content. These works are protected by intellectual property laws and treaties worldwide. The letter style and representation, the Lion and Sword logo, and the Arabic calligraphic representation are registered trademarks. All content on this website, including text, information, graphics, animations, and images, is copyrighted, with all rights reserved. Infringing these rights is prohibited. You may only download material from this website for personal use. Any other use, alteration, transfer, sale, distribution, or reproduction of the content is prohibited.

5. Regular Changes to the Website

Habib Bank Zurich plc aims to update its website regularly and may change its contents at any time. The website may be suspended or closed indefinitely if needed. The material on the website may be outdated at any given time, and Habib Bank Zurich plc is not obligated to update it.

6. Third-Party Websites

The website may contain links to other websites not under Habib Bank Zurich plc’s direct control. The Bank is not responsible for the contents, security, or any consequences arising from such websites. This website should not be framed by any third-party website, nor is it permitted to link to this website without prior written consent from Habib Bank Zurich plc.

7. Information About You and Your Visits to the Website

Habib Bank Zurich plc processes information about you in accordance with its Security and Privacy Policy. By using the website, you consent to this processing and warrant that all data you provide is accurate.

8. Transactions Concluded Through The Website

All products and services provided by Habib Bank Zurich plc, whether through the website or as a result of your visits, are subject to the applicable Bank’s Terms & Conditions.

9. Viruses, Hacking, And Other Offences

You must not misuse the website by knowingly introducing viruses, trojans, worms, logic bombs, or other malicious material. You must not attempt to gain unauthorized access to the website, the server on which it is stored, or any related server, computer, or database. You must not attack the website via denial-of-service or distributed denial-of-service attacks.

Breaching this provision would commit a criminal offense under the Computer Misuse Act 1990. Habib Bank Zurich plc will report such breaches to law enforcement authorities and cooperate with them by disclosing your identity. In the event of such a breach, your right to use the website will be terminated immediately.

Habib Bank Zurich plc is not liable for any loss or damage caused by viruses, denial-of-service attacks, or other harmful material due to your use of the website or downloading any material from it or linked websites.

10. Complaints Policy

Habib Bank Zurich plc strives to offer excellent service. It has a complaint-handling procedure to ensure prompt and fair responses to any complaints about its Internet Banking service.

Initially, direct complaints to the manager of the branch where you hold your account. If you do not receive a timely and satisfactory response from your branch, contact the Internet Banking Customer Service Centre at Habib House, 42 Moorgate, London EC2R 6JJ. Habib Bank Zurich plc aims to acknowledge complaints within 24 hours and reply within five working days. If this is not possible, the Bank will regularly update you on the progress.

Habib Bank Zurich plc expects most complaints to be resolved quickly. If you are still dissatisfied, you may write to the Financial Ombudsman Service at: Exchange Tower, London E14 9SR.

11. 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 2, 3003 Berne, Switzerland.

Habib Bank AG Zurich is authorized and regulated by FINMA and the Prudential Regulation Authority, and is subject to regulation by the Financial Conduct Authority (FCA) and limited regulation by the Prudential Regulation Authority. For more details, visit FCA and PRA.

Habib Bank Zurich plc is a member of the Financial Ombudsman Service (FOS). For more information, visit FOS.

Compensation Information

Habib Bank Zurich plc is covered by the Financial Services Compensation Scheme (FSCS), which can pay compensation to depositors if the bank is unable to meet its financial obligations. For more information on FSCS, visit FSCS or call 020 7741 4100 / 0800 678 1100.

12. Waiver

If Habib Bank Zurich plc does not take action against a breach of these Terms & Conditions, it does not waive its rights to take action in other situations where you are in breach.

13. Variations

Habib Bank Zurich plc may revise these Terms & Conditions at any time. You are expected to check this page periodically to notice any changes, which will be binding. Some provisions may also be superseded by notices published elsewhere on the website.

14. Entire Agreement

These Terms & Conditions constitute the entire agreement between you and Habib Bank Zurich plc regarding your use of this website.

15. Applicable Law

These Terms & Conditions are governed by English law, and the English courts have exclusive jurisdiction over any disputes arising from the use of this website or these Terms & Conditions. The website complies with appropriate UK legislation and is intended for use in the UK. The website is not intended to be used in any jurisdiction where its availability is contrary to local laws. Use of the website outside the UK is at your own risk.

16. Languages

The Terms & Conditions and all services provided through this website are available only in English. Habib Bank Zurich plc will communicate with you exclusively in English.

Note: To find out about HBZweb security, refer to ‘Security Advisory‘ section on the login page.