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.
The information contained in this email is confidential and may contain proprietary and/or personal information. It is meant solely for the intended recipient. Access to this email by anyone else is unauthorised. If you are not the intended recipient, any processing of the email or the information contained therein (including disclosure, copying, distribution, storage) or any action taken or omitted in reliance on this, is prohibited and may be unlawful. No liability or responsibility is accepted if information or data is, for whatever reason corrupted or does not reach its intended recipient. No warranty is given that this email is free of viruses. The views expressed in this email are, unless otherwise stated, those of the author and not those of FirstRand Bank Limited or its management. FirstRand Bank Limited reserves the right to monitor, intercept and block emails addressed to its users or take any other action in accordance with its email use policy. Should the recipient wish to conduct further business dealings with FirstRand Bank Limited based on the content of this email, a formal, written and physically signed agreement will have to be entered into, to attract any liability on behalf of FirstRand Bank Limited. FirstRand Bank Limited Guernsey Branch trading as FNB Channel Islands is regulated by the Guernsey Financial Services Commission and licensed under the Banking Supervision (Bailiwick of Guernsey) Law.
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.
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.
Without derogating from the generality of the above, we will not be liable for:
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.
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.
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:Â www.gfsc.gg.
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.
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.
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.
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:
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.
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.
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.
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.
Our disclaimer
Disputes which cannot be resolved
Modification, suspension or termination
Disclaimer
While we have taken care to ensure that the content on this website is accurate, your use of the information on this website and the online services is entirely at your own risk.
Our disclaimer
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.
