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Information on our site


We do not represent or warrant that the website, any tools (such as calculators), software, advice, opinion, statement, information, content or online services will be error-free or will meet any particular criteria of accuracy, completeness, reliability, performance or quality.

You acknowledge that any reliance upon any such tools, software, advice, opinion, statement or information shall be at your sole risk. We reserve the right, in our sole discretion, to correct any errors or omissions in any portion of this website.

Our disclaimer


To the fullest extent permissible by law, we expressly disclaim all (express and implied) warranties, including, without limitation, warranties of merchantability, title, and fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

While we take all reasonable precautions to prevent this, we do not warrant that the website or any software available for download via the website is free of viruses or destructive code.

We and our officers, directors, employees, servants, affiliates, shareholders, agents, consultants or employees (in whose favour this constitutes a stipulation for the benefit of another) shall not be liable for and you hereby indemnify us and our officers, directors, employees, servants, affiliates, shareholders, agents, consultants or employees (in whose favour this constitutes a stipulation for the benefit of another) against any direct, indirect, special, incidental, consequential or punitive damages or loss of any kind whatsoever or howsoever caused (whether arising under contract, delict or otherwise and whether the loss was actually foreseen or reasonably foreseeable) arising out of your use of this website or the online services or the information contained on this website or your inability to use this website or the online services.

Our liability


Without derogating from the generality of the above, we will not be liable for:

  • Any interruption, malfunction, downtime or other failure of the website or online services, our system, databases or any of its components, for reasons beyond our control.
  • Any loss or damage with regard to customer data or other data directly or indirectly caused by malfunction of our system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on our system or third party systems; programming defects.
  • Any loss or damage with regard to customer data or other data directly or indirectly caused by malfunction of our system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on our system or third party systems; programming defects or negligence on our part.
  • Any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third party systems such as the public switched telecommunication service providers, internet service providers, electricity suppliers, local authorities and certification authorities.
  • Any event over which we have no direct control.

We subscribe to the Code of Practice for Banks (COPB) which will apply to our relationship with our customers who fall within the ambit of the Code. Read more about the COPB.

Submitting a complaint to us


If you wish to lodge a complaint, please notify us in writing of this by sending complaints to info@fnbci.co.uk.

We will provide you with a reference number as soon as possible after we receive your complaint.

We will send you an acknowledgement within 3 business days of receipt of your complaint to the contact details you have provided. We will let you know what the status of the investigation of your complaint is within 14 business days and we will give you an estimated time limit for the complaint to be finalised by us.

Disputes which cannot be resolved


If we cannot resolve your complaint within a reasonable time you are free to lodge a formal complaint at the office of the Guernsey Financial Services Commission. For more information, please visit: www.gfsc.gg.

Modification, suspension or termination


We may, without notice, modify, suspend or discontinue the website; impose limits or conditions on the right to certain online services, features or functions; or restrict your access to parts of, or all of the services on the website.

Availability of the website


This website may be unavailable from time to time due to routine maintenance or emergency repairs or because of the unavailability of any electricity, telecommunication system or networks. For the duration of such unavailability you must use our other available banking channels.

Certificate


A certificate signed by us or the administrator responsible for the website or part of the website, will constitute prima facie proof of the operation or functionality of any online service or part thereof and the contents of any information displayed on the website on a given date; the date of publication and content of the current version and all previous versions of this agreement, our privacy and security notice or the relevant service terms which govern an online service.

Monitoring of communications


You expressly give your consent for us to monitor your internet and e-mail traffic on our website. You acknowledge that we monitor internet and e-mail traffic on the website primarily to ensure that users and consumers are not acting illegally, unlawfully or in breach of this agreement and:

  • To maintain the integrity and security of our website and information technology systems
  • To investigate and detect any unauthorised use of our website and information technology systems
  • As an inherent part of and to secure the effective operation of our website and information technology systems

The law governing our relationship


This website is hosted, controlled and operated from the Republic of South Africa.

This agreement and our Privacy and Security Notices are governed and must be construed and interpreted in accordance with the laws of the Republic of South Africa.

You consent to the jurisdiction of the South African courts for any dispute which may arise out of or in connection with this agreement.

Address for legal services


All legal notices relating to products must be delivered as provided for in the product agreements. Where such address is not specified, such notices must be sent to our Registered Office.

We may send you legal notices to any of the addresses you have specified on any of your application/registration forms with us or at the address you actually work or live.

Full legal age


In using the website you represent and warrant that you are of full legal age, are emancipated or have your guardian's consent and assistance and have the required legal capacity to enter into and be bound by this agreement or any other product agreement regarding your use of the website.

General provisions


Clause headings in this agreement are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms of the conditions.

Where any dates or times need to be calculated in terms of this agreement, the international standard time: GMT plus two hours shall be used.

No indulgence, extension of time, waiver or relaxation of any of the provisions or terms of this agreement which we may show, grant or allow you or failure or delay by us to exercise any of our rights will operate as an estoppel against us or constitute a waiver of any such right. We shall not thereby be prejudiced or stopped from exercising any of our rights against you which may have arisen in the past or which might arise in the future. If any of these terms, conditions or provisions are held to be illegal, invalid, unlawful or unenforceable, the term, condition or provision will be ineffective to the extent of such prohibition or unenforceability and shall be treated as if it were not written and deleted from this agreement without invalidating the remaining terms, conditions and provisions of this agreement.

Disclaimer


Use of the site is at your own discretion

While we have taken care to ensure that the content on this website is accurate, this website and the services accessible on or via this website are provided 'as is' and your use of and reliance on the information on this website and the online services is entirely at your own risk.

 

Our disclaimer


Scope of rights and obligations

These conditions of access as amended from time to time govern your general use of our First National Bank Channel Islands website, which you can find at www.fnbci.co.uk.