Terms of Use
Terms of Use
This Legal Notice and Terms of Use govern your use of our website. Please carefully read and understand the terms outlined herein. It is important to note that different terms and conditions may apply to specific products and services offered by the Bank to its customers. By accessing or using our website, you agree to abide by these terms and conditions. If you do not agree with any part of these terms, you should refrain from using our website.
Web Site
FCM Bank Limited is a private limited liability company, bearing registration number C 50343 and having its registered address at FCM Bank Limited, Suite 3, Tower Business Centre, Tower Street, Swatar, B’Kara BKR 4013, Malta.
The Legal Notice and Terms of Use govern the use of this website and by accessing this wesbite you agree to be bound by them. The information provided in these pages may be changed or otherwise updated from time to time without prior notice. It is your responsibility to review these terms periodically for any changes. Your continued use of the website following the posting of any amendments constitutes acceptance of those changes. Please be aware that the information provided on our website is for general informational purposes only and does not constitute professional advice.
We undertake every effort to ensure that information presented on the website is up to date and accurate. However changes or updates of information and terms or conditions might not necessarily coincide with the actual change or updates of information, terms or conditions, relating to a product or service or other matters.
We ensure accuracy of information on the website. However, we do not assume any responsibility for the accuracy of the information provided or the use of such information by you for whatever reason.
Intellectual Property Rights
The entire content of this website is subject to copyright with all rights reserved in favour of FCM Bank Limited (FCM Bank and fcmbank.com.mt). All content and materials may not be copied, reproduced, distributed, modified, licensed, or reposted to other websites without the express written permission of FCM Bank Limited. Systematic retrieval of data or other content from this website to create or compile a database or compilation without prior written permission from FCM Bank Limited is not permissible. You may however, print parts of our website for your own personal use.
Third Party Information
Our website may provide links to third party sites and information, however such links are not a certification by us of any information, products or services provided by third parties. You may use such links on your own responsibility and the Bank does not hold itself liable for any content, use or availability of such third party sites. In turn, our website may also contain some information pertaining to third party sites and we do not assume responsibility or liability for the accuracy of same.
No third party is permitted to link itself to our website without our prior written consent.
No Offer, No Advice
Nothing contained on this website shall be construed as a solicitation or recommendation to acquire or dispose of any investment, product or service, or to engage in any other transaction or to provide any investment advice or service.
No Reliance and No Warranty
The Bank provides no warranty and makes no representations of any kind whatsoever regarding: (1) the currency, accuracy or completeness of the content; (2) the results to be obtained by any user of the website; or (3) any third party content accessible on or through the website. Except to the extent required by current laws and/or regulations, the Bank, including its directors, agents, employees or subcontractors: (1) disclaims any and all express or implied warranties and conditions including without limitation warranties and conditions as to the quality and fitness for a particular purpose; and (2) does not warrant that the website, any content (including any third party content), goods and services referred to therein will be uninterrupted or error free, that defects will be corrected or that the website, the servers from which it is available or any connected website is free of viruses, trojan horses, worms, software bombs or similar items or processes or other harmful components. To safeguard against viruses, it is advisable to use up-to-date versions of browsers and to install and continuously update antivirus software. Users should strictly avoid opening e-mails of unknown origin or unexpected e-mail attachments.
Any data, including but not limited to financial market data, quotes, notices, research or other financial information accessible through this website, have been obtained from carefully selected sources believed to be reliable. All such information is provided "as is" to the user without express or implied warranties of any kind, including warranties of quality, originality, non-infringement of intellectual property or fitness for any particular purpose.
Nothing contained on the website serves to constitute legal, tax or other advice. You should seek your own professional advice for investment decisions.
Age
A child who has attained the age of sixteen years may deposit money in an account opened by the child in his or her own name with the Bank. Any funds deposited in any such account may only be withdrawn by such child notwithstanding that such money may be subject to the administration, usufruct or authority of any other person. For all purposes of law, child shall not be granted credit facilities in their personal name until the age of eighteen years.
Limitation of Liability
To the maximum extent permitted by current laws and/or regulations, FCM Bank including its directors, agents, employees, sub-contractors and its sales partners disclaim any and all liability for losses or damages of any kind whatsoever arising directly or indirectly as a result of (1) the content, accuracy, completeness or otherwise of the content or any links or third party content; (2) any errors in or omissions from the website; (3) use of or access to the website; (4) any inability to access or use the website for any reason.
To the full extent permitted by current laws and/or regulations, the bank shall not be liable for any (1) loss of profits or revenue or savings or other economic loss, (2) loss of business or goodwill, (3) loss of, or damage to data, (4) incidental or special loss, (5) wasted or lost management time, or (6) indirect or consequential loss arising from use of or access to the website, even if advised of the possibility of any such loss or damage or if such loss or damage was foreseeable.
The Bank has the right to modify, suspend or discontinue, temporarily or permanently, the website or any part of it, with or without notice, at any time. You agree that we shall not be liable to you or to any third party for any such modification, suspension or discontinuance of the website.
Indemnity
By using our website, you acknowledge and agree that you are solely responsible for your actions and compliance with these terms. You further agree to indemnify FCM Bank Limited and its affiliates for any claims, liabilities, damages, costs, and expenses, including legal fees, arising from your use of our website or any violation of these Terms of Use.
Confidentiality
If at any time you come into possession of any content, data or other information which belongs to us or our agents, you shall treat such content, data and information with confidentiality without making any use or copy of it and notify and return it to us immediately by contacting us on info@fcmbank.com.mt.
Security
Whilst we take measures to ensure that your personal data cannot be intercepted by third parties, please note that when using this website, data is transported over an open network (Internet) which is accessible to third parties and which cannot be regarded as a secure environment. We may transmit or store any data provided by you when using this website outside your country of residence. In such cases, we will make every effort to secure an appropriate standard of protection for your data, taking account of the applicable legal and regulatory requirements, including those relating to Bank client confidentiality and data protection, but it is possible that data may be relayed to a country in which the prevailing standards of data protection are lower than in your country of domicile. The Bank accepts no responsibility or liability for the security of your data during transmission through the Internet. We would like to draw your attention to the fact that you can communicate with us by other means whenever you consider it appropriate on data protection grounds.
Unless otherwise expressly allowed by the website, transmissions to us shall not be considered as instructions, requests to purchase or obtain any product or service, or complaints by customers relating to such products or services.
Severance
Each of the provisions contained herein is severable from the others, and if at any time any one or more of such provisions, is or becomes illegal, invalid or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired.
Waiver
No exception which we may extend to you nor any waiver by us of any breach by you of any provision of this Legal Notice and Terms of Use shall affect our rights and powers herein contained.
Governing Law
The information contained in the pages of this website have been provided in accordance with Maltese Law. By accessing or browsing our website, you have accepted Maltese law as the governing Law of the operation of this website.
The Courts of Malta shall have exclusive jurisdiction over any claims and disputes arising in relation to this website. This website is designed for use in Malta and is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this website or such distribution or use would be contrary to local law or regulation. If you choose to access information on this website, it is your responsibility to comply with the applicable local, national, or international laws and any use of this website outside Malta is entirely at your own risk. For guidance relating to your specific situation, please contact your legal adviser.
Should you have any queries or comments relating to this website please contact us, and should you not agree with the Terms of Use of this website we must ask you to discontinue use of such.