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Terms and Conditions


This Terms and Conditions sets out the terms of use of khcbonline.com a wholly-owned website of the Khaleeji Commercial Bank B.S.C khcbonline.com provides a gateway, to the financial services offered by the bank and its partners or subsidiaries.

This Website is owned and maintained by Khaleeji Commercial Bank BSC (referred to as "KHCB" hereafter) for your personal information, communication, education and use. The Website may contain links to other websites, having further linked websites, operated by parties other than the Bank ("Linked Websites").

Please read these terms and conditions carefully. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the Terms and Conditions bellow, do not access this site, or any pages thereof.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on this Site or by any hyperlinks to or from any third party websites or pages. Your use of this website is subject to the terms and conditions governing it.

Use of information and materials contained in these pages - and there Terms, Conditions, and descriptions that appear - are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final KHCB determination and acceptance. KHCB products are not obligations of or guaranteed by KHCB.

No warranty:

The information and materials contained in this site, including text, graphics, links or other items - are provided "AS IS", "AS AVAILABLE". KHCB does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors of omissions in this information and materials. No warranty of any kind implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

While KHCB has taken all reasonable steps to ensure the accuracy and completeness of the content of the website, KHCB excludes any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the website, are appropriate or available for use either in the Kingdom of Bahrain or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

The development of the Website with respect to the Content and software made available and products and services ("Products") offered through it, is a continuous and an on going process and Products are provided on "best effort basis". Bank makes all attempts to keep the Products updated and accurate, but Products may not be up to date. Bank makes no warranty or representation, express or implied, including, but not limited to any warranties or representations as to the accuracy, reliability or completeness of the Products and/or fitness for a particular purpose. Your use of the site or any local sites is at your sole risk.

KHCB does not represent or warrant that the site or any local site will be available or that it will meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back-up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

KHCB makes no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the site or any local site.

Limitation of liability:

In no event will KHCB be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, event if KHCB, or representatives thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, KHCB, or representatives thereof, are advised of the possibility of such damages, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by KHCB.

KHCB shall not be liable to you or any third party (whether or not the access is authorized) for any cost, loss, damage or the like, incurred / suffered, directly or indirectly, due to:

  • Use of the Websites or Products in violation of the applicable terms and conditions of such usage or the applicable laws or otherwise failure to abide by such terms and conditions or laws.
  • Any action based on the Content or any use or application of the same or any error or omission relating to the transmission of the Content.
  • KHCB's Failure to act upon your instructions,
  • Non availability of the Internet Services in the desired manner,
  • loss of any instruction in any communication channel or of any stored data/instructions; due to any reasons beyond the control of the Bank at the relevant point of time, including any problems and difficulties arising due to power and electricity failure, computer errors, programming errors, software or hardware errors, computer breakdown, non-availability of Internet connection, communication problems between the KHCB's server and User's computer network, shutting down of KHCB's server, non-availability of links, corruption of the computer software, problems in the telecommunication network and any other technology related problems, natural calamities/ disasters, legal restraints, industrial disputes or any other reason beyond the control of the Bank.
  • Any unauthorized transaction through this Website due to your fraudulent or negligent usage.
  • Any unauthorized / fraudulent / erroneous use of or hacking or intrusion into the computer network of KHCB by any third party due your negligent or fraudulent conduct.

Submissions:

All information submitted to KHCB via this site shall be deemed and remain the property of KHCB and KHCB shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides KHCB through this site. KHCB shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the KHCB entity having the direct customer relationship or as otherwise specifically agreed or required by law.

No offer

Information or opinions provided by us or through a third party on the Site or by a Local Site should not be used for investment advice and do not constitute an offer to sell or solicitation of an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. When making a decision about your investments, you should seek the advice of a professional financial adviser. Any Content on Website must not be construed as investment advice, and you should exercise due caution and/or seek independent advice before entering into any investment or financial obligation based on the Content.

KHCB does not offer financial services or products and khcbonline.com, the operation of the khcbonline.com portal, or gateway, does not constitute an offer of any products or services provided by KHCB. Not all the products and services that you may be able to view via the Site are available in all geographical locations. If you choose to enter a website outside your country of residence, you are advised that it may be illegal 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. Any products or services provided to you by KHCB shall only be available in the jurisdiction/s within which KHCB is authorized to operate.

Advice

The contents of this website do not purport to provide any financial, investment or professional advice and nothing on the pages of this website shall be deemed to constitute financial, investment or other professional advice in any way. In particular, you may wish to obtain advice from a qualified expert before making any investment decision.

If you are not satisfied with any KHCB product or service KHCB has a complaint handling procedure that you can use to resolve such matters.

Local sites

All products and services provided by members of KHCB are subject to the terms and conditions and disclaimers of the applicable agreement governing their supply and use ("Product terms and conditions"). Where Product terms and conditions conflict with these Terms and Conditions or any Local Site's terms and conditions the Product terms and conditions shall prevail.

You may link to other KHCB websites or pages issued by other entities within the KHCB ("Local Sites") through this Site. Your use of any Local Site shall be governed by both these Terms and Conditions and the terms and conditions of the Local Site. However, where these Terms and Conditions conflict with those of the Local Site, the terms and conditions 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.

Links to third party sites or content

Your use of hyperlinks on the Site is at your own risk. KHCB provide hyperlinks to other locations on the Internet for information and convenience purposes only. No endorsement of third party websites or content is implied. KHCB are not responsible for the content of any other websites or pages linked to or from the Site or any Local Site. KHCB have not verified the content of any such websites, or pages. It is recommended that you view the linked website's terms or privacy policy pages to understand how use of that website may affect you.

KHCB is not responsible for the accuracy, timeliness or the continued availability or the existence of content, hyper links, or third party websites or pages linked to the Site or any Local Site. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

The Site may offer access to news services, market analysis, financial planning tools or other information provided by third parties on the Site. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on the Site. KHCB does not control, nor can KHCB guarantee or be responsible for the accuracy, timeliness or even the continued availability or existence of such content.

Security

In certain circumstances you may be requested to register with KHCB. When you register, you must provide accurate and complete information and up-date such information when necessary so it remains accurate and complete. When you register and are accepted as a registered user of the 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 Site when your session is complete to prevent unauthorized access to your information. If your user name or password is subject to unauthorized access, you should immediately inform the Bank.

Data protection and privacy policies

KHCB is committed to protecting your privacy. All information gathered from you in connection with your use of the Site or any Local Site will be maintained in accordance with the applicable privacy policies disclosed for the Site or any of the Local Sites.

Internet communications

In order to maintain the security of its systems, protect its staff and detect fraud and other crimes, KHCB reserves the right to monitor all internet communications, including web and email traffic, into and out of its domain. Monitoring includes (without limitation) checks for viruses and other malignant code, criminal activity, and use or content that is unauthorized or unlawful or material that may cause offence in any way.

Internet e-mail

Do not use ordinary e-mail to communicate personal or confidential information to us. Use the secure server available at your Local Site. Ordinary e-mail messages sent over the Internet may be intercepted, lost or altered. KHCB are not responsible for them and will not be liable to you or anyone else for any damages in connection with any messages sent by you to KHCB using ordinary e-mail.

Trade marks and copyright

Copyright in the pages, screens, information, and all material in their arrangement, included in the Site or any Local Site is owned by or licensed to us or the KHCB unless otherwise noted. You may imprint, copy download or temporarily store extracts from the Site or any Local Site for your personal information or when you use any products and services of any Local Site. You may not alter or otherwise make any changes to any material that you print or download from the Site or any Local Site, including, without limitation, removing any identifying marks or legends from such material. You may not distribute these materials to others. Any other use is prohibited unless you first request and obtain our written permission. In particular no one may use a part of the Site or any Local Site on any other website, or link any other website to the Site or any Local Site, without our prior written permission or the consent of the relevant KHCB member. Images of pictures are trademarks of their respective manufacturers, companies and their representative.

Content from a third party provider available on or through the Site or any Local Site may not be duplicated, distributed, published, transferred, transmitted, copied, altered, sold, used to create derivative works or otherwise misused. You must comply with all terms disclosed to you as required from time to time by any third party supplier of data or services to the Site or any Local Site, including but not limited to, where necessary, entering into a direct agreement with such third party in respect of your use of their data.

You may not use the Site or any Local Site for any purpose which is unlawful, abusive, libelous, obscene or threatening.

KHCB / khcbonline.com is the intellectual property of Khaleeji commercial Bank BSC and all rights in and to KHCB / khcbonline.com vest in Khaleeji commercial Bank. Other than as provided above you may not use or reproduce the KHCB trademark, logo or brand name.

Changes

The information, material and content provided in the pages of the Site may be changed at any time without notice. Changes may be made to these Terms and Conditions of Use by us at any time without notice to you by updating the posting of the Terms and Conditions of Use.

Not intended for children

The Site is not intended for use by minors.

Governing law

Your use of the Site is governed by the laws of the Kingdom of Bahrain.

You or any third party accessing the Website irrevocably agrees to the exclusive jurisdiction of the courts at Kingdom of Bahrain in relation to any matter connected or related to use or access of the Website and waives any objection to any proceedings on grounds of venue or on the grounds that the proceedings have been brought in an inconvenient forum. The governing law in such legal proceedings referred to above shall be the laws of the Kingdom of Bahrain.

The above information provides terms of use for our general banking products. Customers using Electronic Services should refer to the specific terms of use for Electronic Services.