Terms and Conditions
AB Bank Zambia Limited makes no guarantees and hereby disclaim any liability regarding any of the information provided on this Web Site. We are not obliged to provide any part of the Web Site and we reserve the right to add, change, edit or remove any part of the Web Site, including the terms and conditions, without notice and for any reason whatsoever at our discretion.
These terms and conditions apply to the AB Bank Zambia Limited Plc web site (referred to herein as the “Web Site”) of AB Bank Zambia Limited (Hereinafter referred to by “we”, “us” and “our”).
Kindly read in full the following terms and conditions before accessing WebSite;
By using or accessing the Web Site you signify that you have read and understood and accept all terms and conditions governing this Web Site or any part thereof, including without limitation any and all disclaimers, rules, guidelines and privacy policies or statements, which terms and conditions shall take effect immediately on your first use of the Web Site, and you agree to abide by the same. You also consent to receive required notices and transact with us electronically.
Terms and Conditions contained in other parts of this web site are part of these general terms and conditions and are therefore binding.
We reserve the right to change these terms and conditions at any time without prior notice. You agree that we can post any changes in these terms and conditions on the Web Site or to any email address you may have provided to us. You also agree that you are responsible for verifying whether these terms and conditions have changed.
If you do not agree to be legally bound by all the terms and conditions of this Web Site you should not, and are not permitted to, access or use this Web Site.
Any Headings or Highlights are but a guide for use and shall not be construed as binding. Any Headings or Highlights are but a guide for use and shall not be construed as binding.
Privacy. The receipt, use and storage by us of any personal details you may provide to us during your use of and access to the Web Site shall be maintained in strict confidence, any use of the same by us shall be in accordance with the Law.
Use allowed. The Web Site and any information or software contained or referred to therein may only be used and accessed upon agreement and in accordance with these terms and conditions. You may only use or access the Web Site for lawful, personal and non-commercial purposes in a manner that does not infringe the rights of third parties or restrict or inhibit the use and enjoyment of the Web Site by any other person, and only to the extent reasonably necessary to take cognisance of or contribute information contained or referred to in the Web Site.
Use not allowed. You are not permitted and you agree that you will not use the Web Site or any part thereof to advertise or disseminate a commercial message or any duplicative or unsolicited messages, or to disseminate any information (in the broadest sense and including any type of content as well as software, programmes and other computer code), whether directly or indirectly and whether knowingly or not, that is or may be inconvenient, disruptive, distressing, intimidating, harassing, threatening, abusive, degrading, indecent, sexually oriented, vulgar, obscene, offensive, libellous, slanderous, defamatory, hateful, racial, malicious, false, inaccurate, deceptive, fraudulent, invasive, infringing, tortious, illegal or unlawful in respect of any other person or the rights, privacy, dignity and well-being of any other person, or that constitutes or promotes unequal treatment of any individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability.
Administration and moderation. We may use any technical means to prevent unsolicited bulk communications from entering, utilising or remaining within our computer or communications networks even if doing so may result in a disabling of your account, whether partially or completely and temporarily or permanently.
We reserve the right to disclose individual account or user information to any relevant third party (such as the authorities or your employer, school, internet services provider) when we are required or ordered to do so by law or by any competent court or authority, or when we have reason to believe that disclosing this information is necessary to identify, contact, stop or bring legal action against any person who may be seriously or repeatedly violating these terms and conditions or who may infringing our rights, property or interests or those of third parties.
Cautions and Disclaimers
General. We are not under any obligation to provide or continue to provide the information contained in or access to the Web Site. We may change, functionally limit or discontinue the Web Site or any part thereof at any time and without notice.
No reliance or advice. The information or software contained in or referred to in the Web Site may be outdated, inaccurate and/or incomplete, and we are not obliged to ensure that the same is updated, accurate or complete. The information contained and accessed on the Web Site is provided as general guidance or general information of interest, and is not intended to replace or serve as substitute for, and does not constitute, any professional advice, consultation or service. You should not rely only upon any information on the Web Site, and you should review and consider information on the Web Site in the light of your own independent research, and judge the merits of the information for yourself. We do not guarantee the veracity, reliability, accuracy or completeness of any information provided on the Web Site. Nothing transmitted to or from this website constitutes the establishment of a professional-client relationship between you and us or any person contributing information to the Web Site.
Web site and information. The Web Site and any information or software contained or referred to therein, and throughout these terms and conditions this means to include without limitation all names, facts, figures, procedures, images, graphics and any other type of content whatsoever, is provided “AS IS”, “WITH ALL FAULTS” and on an “AS AVAILABLE” basis without any representations or warranties of any kind, whether express or implied by law, to the extent permitted by law, including the implied warranties of satisfactory quality, fitness for a particular purpose, merchantability, non-infringement, compatibility, security, effectiveness, reliability, timeliness, accuracy and completeness, and without any obligation on our part, whether express or implied, to ensure that the Web Site and any such information or software contained or referred therein meet any expectation or requirements whatsoever.
Access and security. We do not represent or warrant, and hereby disclaim any representations or warranties, whether express or implied by law, to the extent permitted by law, that the provision of and access to the Web Site and any information or software contained or referred to therein will be accessible, uninterrupted or error-free, that defects will be corrected, or that the Web Site or the server that makes it available are free of viruses or other harmful components, or that you have the ability to transmit and receive information from or through the Web Site.
Liability. THE INFORMATION PROVIDED HEREIN IS TO BE USED ENTIRELY AT YOUR OWN RISK. IN NO EVENT SHALL WE OR OUR PRINCIPALS, OWNERS, OFFICERS, MANAGERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL LOSS, INJURY OR DAMAGE OF ANY KIND WHATSOEVER (INCLUDING WITHOUT LIMITATION LOSS OF DATA, LOSS OF REVENUE OR ANTICIPATED PROFITS, LOSS OF BUSINESS, LOSS OF OPPORTUNITY, LOSS OF GOODWILL OR INJURY TO REPUTATION AND LOSSES SUFFERED BY THIRD PARTIES), HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE), ARISING IN ANY WAY OUT OF OR IN CONNECTION WITH THE PROVISION OF OR ANY ACCESS TO, USE OF OR PARTICIPATION IN THE WEB SITE.
Indemnification. Upon a request by us, you agree to defend, indemnify, and hold harmless us and our principals, owners, officers, managers, employees, representatives, contractors or agents from any and all liabilities, losses, claims and expenses, including attorneys’ fees that arise from your use or misuse of the Web Site or any information or software contained or referred to therein or your violation of these terms and conditions, without any obligation on our part to follow any instructions, directions or suggestions made by you. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.
Intellectual Property Rights
The Web Site and any information or software contained or referred to therein is protected by and subject to copyright, design rights, trade mark rights and/or patent rights of us and/or of third parties. Without the express prior written consent of the respective owner of the relative intellectual property right, you are not permitted to use, change, modify, reproduce, distribute or publish any part of the Web Site and any information or software contained in any manner or for any purpose whatsoever other than as is expressly allowed in these terms and conditions.
Termination. Your right to use, access or participate in the Web Site and any information or software contained or referred to therein shall automatically terminate if you violate these terms and conditions. We reserve the right, in our sole discretion, to terminate your use of, access to or participation in all or part of the Web Site for any reason, with or without notice. Notwithstanding any termination of your rights you shall continue to be obliged to comply with these terms and conditions and following any termination your obligations with regard to the use of, access to or participation in the Web Site shall subsist.
Competent courts and applicable law. Any and all disputes regarding the provision of, use of, access to or participation in Web Site or any information or software contained or referred to therein shall be submitted to the non-exclusive jurisdiction of the Courts of Zambia, at our option and to our benefit. These terms and conditions shall be governed by and interpreted in accordance with the laws of Zambia.