Please read these Terms carefully before using this Site, including our Privacy Policy and Cookie Policy. The Site hosted at iibanks.com (the ‘Site’) is owned and operated by iibGroup Holdings (‘we’ or ‘us’ or ‘our’). Our Headquarters ae located at Office 111, Jeera Bldg. 1, Seef District, P.O. Box 82456, Manama, Kingdom of Bahrain.

By accessing and/or using the Site, you are deemed to accept and be bound by these Terms, therefore if you do not wish to be bound by these Terms you should not access or use the Site.

The content published on the Site, and in particular the products and services to which it refers, does not constitute advice and is not an invitation to subscribe to any of our products or services. Instead, it is designed to tell you more about us and the services we offer. It is your responsibility to comply with applicable local laws, including ensuring that your access and/or use not only complies with the Terms, but also with the laws of the jurisdiction from which your use or access is made.

Not all the products and services that you may be able to view via the Site are available in all geographical locations or available to all customers. The relevant iibGroup member reserves the right to make the final determination on whether or not you are eligible for any particular product or service. If you choose to enter a Site outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on that Site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction.

Access to the Site

From time to time we may decide to temporarily restrict or block access to, or use of, all or part of the Site without notice and reserve the right to do so, whether for the purpose of servicing the Site or otherwise. We do not warrant that the Site, or any part of it, will be available at all times, and you acknowledge and accept this. We accept no liability, no matter how that may be caused, arising from any unavailability, interruption, defect or loss of access to or function of the Site or any part of it at any time.

We reserve the right to withdraw and/or amend services or content on the Site without notice and we accept no liability, no matter how that may be caused, arising from us doing so.

Certain areas of the Site may require you to register while others may be accessed without registering your details or us recording any of your personal information. If you submit an application to seek access to these areas, you are indicating that you have read our Privacy Policy and are willing for us to deal with your data as set out in that policy. We are not obliged to approve your application, and we may revoke or limit your access to the Site or our approval at any time at our sole and absolute discretion and without incurring any liability. If we do grant you access to an otherwise restricted area of the Site, your login details are personal to you, and you must keep them confidential and not permit or enable another person to use them. All actions (including unauthorised actions, provided they are not through a fault of ours) conducted using your login details shall be deemed to be conducted by you, and you shall therefore be responsible for those actions.

Whilst we endeavour to ensure that all the information included on the Site is correct, up to date and complete, we are not obliged to identify to you any content which is incorrect, out of date, superseded or incomplete, nor are we obliged to update, correct or complete such content. We hereby disclaim any express or implied warranties as to the completeness or accuracy of the Site or its content, including but not limited to financial information published by us on the Site (such as annual reports or forecast statements), and we accept no liability, no matter how that may be caused, arising from any information which is not correct, up to date, complete, or which has been superseded.

Local Sites

All products and services provided by members of iibGroup are subject to the terms and conditions and disclaimers of the applicable agreement governing their supply and use.

Your use of any Local Site shall be governed by both these Terms of Use and the terms of use conditions of the Local Site. However, where these Terms of Use conflict with those of the Local Site, the terms of use of the Local Site shall prevail. Please read carefully any Local Site and/or Product terms and conditions before using the Local Site or product.

Security

TWhen registering with a local site, you must provide accurate and complete information and update such information when necessary so it remains accurate and complete. When you register and are accepted as a registered user of the Local Site, you choose a unique user name and password. Please use maximum caution to keep your user name and password confidential and log off from the Local Site when your session is complete to prevent unauthorised access to your information. If your user name or password is subject to unauthorised access, you should immediately inform the relevant iibGroup company.

Data Protection & Privacy

Please read our Privacy Policy to understand our usage and protection of your personal information.

Cookies

Please read our Cookie Policy to understand how they are used. Cookies are text files containing small amounts of information which are downloaded by your device when you visit a website.

Links to Third Party Websites

Please use hyperlinks at your own risk. These are provided by us for better information and convenience only. We are not responsible for the accuracy or content of these websites or resources, and any links we provide do not mean that we endorse the website or are connected with it. Please comply with the terms and conditions and policies of those websites. We accept no liability, no matter how that may be caused, for any failure on your part to view, comply or familiarise with any such terms, conditions and policies.

Permitted Use and Access

You are permitted to use and access the Site on a personal, non-commercial basis. You may not copy or make commercial use of the Site or any of the content including, but not limited to, information, imagery or data from, or underlying, the Site without obtaining our express written permission to do so.

You may not modify any downloaded or printed documents, remove copyright, trade mark or other intellectual property notices on any downloaded or printed document, or otherwise act in a way to cause or risk causing infringement, a weakening of, or damage to or our brand, intellectual property or business.

Please do not replicate any content, information, imagery or data from, or underlying, the Site and use it in such a way as to cause or risk causing confusion or an association as between you or your activities (or a third party or their activities) and us and our activities.

You may not remove, distort, or otherwise alter the size or appearance of any content, misrepresent your association or dealings with us, disseminate or make available any false or misleading information about us so as to associate or risk associating us with any content which is or might be harmful, including without limitation material which is offensive, threatening, obscene, abusive, discriminatory, defamatory, in breach of confidence, in breach of privacy, infringes any intellectual property rights or other rights of any third party or otherwise does not comply with all applicable laws and regulations.

Sharing Content and Social Networks

Certain pages on the Site allow you to share content via your profile on various social networks and other shared-content platforms. When you share content in this manner you also become subject to terms, conditions and policies of those third parties. We recommend that you review and familiarise yourself with those terms and conditions, and we disclaim any liability, no matter how that may be caused, associated with your use of those services, or for your failure to view, comply or familiarise yourself with their terms, conditions and policies.

Internet Communications

We reserve the right to monitor all internet communications, including web and email traffic into and out of our domains for the purposes of security, ensuring compliance with these Terms, and detecting fraud and other crimes.

Changes to Terms of Use

We may alter these Terms at any time and without notice to you. You acknowledge that each time you access and/or use the Site there may be changes to these Terms, and that it is your duty to familiarise yourself with them. If you do not agree with the version of the Terms which exists at the time of your access to or use of the Site, you are not permitted to access or use the Site, and any pre-existing permitted use or access is revoked.

Validity

If any of these Terms is declared to be unlawful, invalid, void or for any reason unenforceable, this will have no effect on the validity and enforceability of the remaining provisions of these Terms, and shall be replaced by an enforceable provision which reflects the closest position to that intended by the unlawful, invalid, void or unenforceable provision.

Social Media

Please comply with fostering responsible engagement, as outlined below for a respectful exchange on all our social media platforms, accounts and/or pages which belong to or are managed by iibGroup and its members.

• We may monitor and record comments and posts made to our channels
• We are not responsible for any information posted on our channels that we have not posted ourselves
• While we may follow or share information from other sites or users, we do not endorse specific social media sites themselves, or any information posted on them by third parties or other users nor do we guarantee the accuracy of content that is not directly posted by us
• We don’t give investment, tax or other professional advice via social media. You should always seek independent professional advice before making such decisions
• Our pages should not be used for illegally, to breach any laws, or transmit through our profiles any computer viruses or defamatory materials deemed to be offensive or obscene
• We do not allow and will remove posts that infringe upon the rights of others. Users may not harass, bully, or cause distress to other users on our pages Social Media Engagement
• When you engage with us via social media, please note that your information shared may be stored on that Site’s servers, which are outside our control. Any information posted to such Sites may be accessed and read by the general public. It is not an appropriate forum to discuss customers’ products or financial arrangements
• We will never ask you to share personal, account, or security information via our social media sites. For your own protection, always be thoughtful about what you publish – particularly on external platforms. You must make sure you do not disclose or use confidential or proprietary information in any online social platform
• Do not post materials on our pages that are false, fraudulent, libelous, defamatory, obscene, threatening, are invasive of privacy or publicity rights, infringe on intellectual property rights, are abusive, harassing, illegal, or otherwise objectionable

Children

This Site is not intended for use by minors.