Website Terms and Conditions - this Website (www.zurichbankinternational.com) is brought to you by Zurich Bank International Limited, a company registered in the Isle of Man (number 022847C), whose registered address is 43-51 Athol Street, Douglas, Isle of Man IM99 1ET. Zurich Bank International is licensed by the Isle of Man Financial Supervision Commission.
The Website www.zurichbankinternational.com ("the Website") and the goods and services on it are offered to you for your personal and non-commercial use only. Commercial use of this Website is strictly prohibited.
Please read the following information carefully before using our Website. If you do not agree to be bound by these Terms and Conditions you must stop using this Website immediately. In these Terms and Conditions the following expressions shall have the meanings given to them below:
'We', 'Us' or 'Our shall mean Zurich Bank International Limited.
'Services' shall mean any goods and services obtained via the Website.
1. Changes to Terms and Conditions
We reserve the right to make any changes to these Terms and Conditions at any time. Please check this page regularly for any changes.
2. Restrictions on use
As a condition of your use of this Website and the Services you agree that you will not:
(a) reverse engineer or decompile (whether in whole or in part) any software available through the Website (save to the extent expressly permitted by applicable law);
(b) remove, change or obscure any product identification or notices of proprietary rights or any restriction on or in the Services and/or the Website;
(c) remove any copyright, trade mark or other intellectual property right notices contained in material on the Website or Services;
(d) make copies, modify, reproduce, republish, post, transmit, distribute or alter (including the creation of HTML links to or from the Website) all or any part of the Website or any materials contained on it.
3. Access to our Website
Messages sent over the internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. We are therefore not responsible for the accuracy of the messages sent by email over the internet – whether from us to you or from you to us.
Due to the nature of the internet and the fact that your access to our Website involves features outside our control, we are therefore not responsible for any technical problems you may experience with our Website. If you do experience technical problems, please use the ‘contact us’ facility on this Website. We may temporarily suspend the information, services and facilities of this Website at our discretion for operational reasons. We may also restrict full or any access to the information, services and facilities of this Website from time to time. No compensation will be payable for any failure to be able to use the services and facilities provided on this Website or any failure, suspension or withdrawal of all or part of the information, services and facilities at any time.
4. Operation of the Website
We may at our sole discretion from time to time without notice change the format and content of this Website and/or the Services and suspend the operation of the Website and/or the Services, for example, for repair or maintenance work, or in order to update or upgrade the contents or functionality of the Website and/or the Services. You are responsible for obtaining and updating your own web browser, and for all amounts payable in respect of connection to the internet including any telecommunications charges for time spent online in respect of use of the Website. You will comply with all directions and instructions given by us in relation to the use of and access to the Website and the Services. We do not accept responsibility for the security or content of any information which you may supply through the Website or the Services and will not be liable for the content of any communications or messages received by you from other users.
5. Intellectual property
Unless we have clearly stated otherwise, all intellectual property rights are our property. These include (but are not limited to) copyright in the graphic images, buttons, layout, and text contained in our Website. You may not copy or distribute our Website, except for your own personal use, in whole or in part, without our prior written consent. Zurich and/or other Zurich marks referenced on our Website are trade marks (registered or otherwise) which belong to companies within the Zurich Insurance Group in the U.K. and/or other countries. You may not use such trade marks without our prior written consent. Other product and company names reproduced on our Website may be the trade marks (registered or otherwise) of their respective owners.
You may not create a hyperlink to this Website without our prior written consent. In order to provide you with the best web-based service, we have included within our Website several links to other websites. We cannot be responsible for those websites and their content which are beyond our control and we make no representation as to their quality, suitability, functionality or legality and you waive any claim you may have against us with respect to such websites.
7. User conduct
You must not use the Website or the Services for any unlawful purposes. In particular you must not:
(a) publish, post, upload, distribute, disseminate or otherwise transmit, information or pictures that are obscene or pornographic, threatening, menacing, racist, offensive, defamatory, libellous, or are alleged to be, or are in our opinion, otherwise objectionable or unlawful. This includes, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law;
(b) upload files that contain software or other materials in breach of any intellectual property rights or in breach of confidence;
(c) download any file of materials posted by another user that you know, or reasonably should know cannot be copied or otherwise used legally;
(d) harass, stalk, threaten or otherwise infringe the rights of others;
(e) hack into any website, deliver viruses or forward chain letters, surveys, contests, pyramid schemes or engage in any other behaviour likely to inhibit any other user from using and enjoying the Website or the Services or that is otherwise likely to damage or destroy the reputation of the Website or Zurich Bank International Limited;
(f) advertise or offer to sell Services.
Whilst we have taken all reasonable care to ensure the information contained within these pages is accurate we do not guarantee the accuracy or completeness of any information contained or provided in connection with our Website. We are not responsible for any errors or omissions or for the results obtained from the use of such information or for any technical problems you may experience with our Website. You are responsible for the security of any data which you transfer to or from our Website. We shall not be responsible for any loss or damage caused, directly or indirectly, by your use of our Website or the information contained on our Website. We disclaim all conditions, warranties, or other terms whether expressed or implied by statute, custom or usage relating to the information contained in or omitted from the service offered via our Website.
9. Limitation of Liability
We (including our directors, employees and other representatives) shall not be liable for any direct, indirect, incidental, special or consequential damages or for loss of profit or opportunity, whatsoever, whether in contract, tort or otherwise arising from (1) the use of our Website or the information contained on our Website or (2) the inability to use our Website or (3) unauthorized access to or alteration of your transmissions or data or (4) third party services outside our reasonable control (including, but not limited to, telephone and browser services), whether such services are used by you to access our Website or used by us to comply with your instructions. For the avoidance of doubt, this provision shall apply whether or not the relevant loss or damage arises by reason of our negligence. Nothing in these Terms and Conditions should exclude our liability to you in the tort of deceit or for personal injury or death caused by our negligence.
You shall be liable to us for any loss we suffer as a result of your misuse of our Website or any breach of these Terms and Conditions by you.
We reserve the right to terminate your access to this Website and the Servcies at any time and without notice, for any reason whatsoever.
If a competent authority finds any or part of these Terms and Conditions invalid, unlawful or unenforceable to any extent, we shall delete the relevant term or part from the remaining Terms and Conditions – which shall continue to be valid and enforceable to the fullest extent permitted by Isle of Man law. No act, omission or delay by us shall be a waiver of our rights or remedies under these Terms and Conditions unless otherwise agreed in writing by us.
We may assign our rights and obligations under these Terms and Conditions and upon such assignment we may be relieved of any further obligations to you under them.
A person who is not a party to these Terms and Conditions shall have no right under the Contract (Rights of Third Parties) Act 1999 to enforce them but this shall not affect any right or remedy of a third party which exists or is available apart from under that Act.
These Terms and Conditions are governed by and construed in accordance with Isle of Man law. For our exclusive benefit should a dispute arise connected with you using our Website, it shall be resolved through the jurisdiction of the Manx courts.