Terms & Conditions

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY.

Welcome to USB BANK PLC Website. Before visiting or using the pages and services of USB BANK PLC internet site, you should read carefully the following terms and conditions. By using/visiting the pages of USB BANK PLC internet site or services offered through it, you indicate the acceptance of the following terms and conditions and you agree to be bound by them. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS CITED BELOW DO NOT ACCESS THIS SITE OR ANY PAGES THEREOF.

These terms and conditions apply EXCLUSIVELY to your access to, and use of, this Site and to anything contained in this Site and do not alter or prejudice in any way the terms and conditions of any other agreement you may have with USB BANK PLC.

Copyright

The contents of the USB BANK PLC's Internet Site, including without limitation, texts, news, graphics, drawings, photographs, pictures and generally records of any nature are protected by copyright and are, except for any expressly acknowledged third party rights, governed by national and international copyright law and are provided to the users/visitors for personal use only . Accordingly, the contents may not be copied, stored, distributed, reproduced, sold, downloaded, translated or modified in any manner, whatsoever, in part or in summary form, without the prior express written consent of USB BANK PLC unless otherwise provided by copyright law or any of these terms and conditions.

Trademarks

All pictures, signs, graphics, button icons, scripts, products and services, the USB BANK PLC logo and any other trademarks described or mentioned in this Site are the property or registered trademarks of USB BANK PLC. Accordingly, these may not be copied, imitated, or used, in whole or in part, without the prior written permission of USB BANK PLC. The display of such trademarks to our Site under no circumstances shall be construed as an assignment or transfer or grant of a license or right of using them in any manner whatsoever.

Whatever else is contained in the electronic pages of USB BANK PLC's Internet Site and constitutes an established sign or product protected by a third party's copyright falls within the third party's area of responsibility and is therefore not included in the scope of this Web Site.

Links to other Sites

This Site may contain links or hyperlinks to Websites controlled or offered by third-parties. USB BANK PLC hereby disclaims liability for any information, materials products or services posted or offered at any of the third party site linked to this Website. By creating a link to a third party Website, USB BANK PLC does not endorse or recommend any products or services offered or information contained at that Web site, nor is USB BANK PLC liable for any failure of products or services offered or advertised at those Sites. Such third party may have a privacy policy different from that of USB BANK PLC and the third party Website may provide less security than the USB BANK PLC Site.

Visitor/User's Obligations

In using this Site, you agree:

(a) not to disrupt or interfere with the security of, or otherwise abuse, the Site, or any services, systems, resources, accounts, servers or networks connected to or accessible through the Site or affiliated or linked web sites.

(b) not to disrupt or interfere in any manner whatsoever with any other user's enjoyment of the Site or affiliated or linked Web sites.

(c) to comply with the provisions of Cyprus and International law and the relevant statutory provisions governing telecommunications and shall refrain from any misuse or abuse of the contents and the services of USB BANK PLC's internet site; accordingly, any damage caused to USB BANK PLC's internet site or generally to the internet by reason or as a result of the visitor/user's misuse or abuse of the relevant services shall fall exclusively within his/her area of responsibility.

(d) to visit/use the Site in a fitting and appropriate manner and shall duly observe the rules of honest industrial and commercial practice.

Protection of Personal Data

USB BANK PLC guarantees the protection of the visitor's/user's personal data as provided by the terms hereof, by the Processing of Personal Data (Protection of Individual) Law of 2001 and by any other statutory provisions of Cyprus Law.

Accordingly, USB BANK PLC shall in no case disclose your personal data to any third party or to any company of the Universal Group unless (1) provided by any law or (2) provided otherwise by the Processing of Personal Data (Protection of Individual) Law of 2001 or (3) upon your written consent or request.

Your personal data may be used for communication purposes, for the purpose of upgrading and providing to you products and services applied for and to keep you informed of any products or services that may be of interest to you.

The user/visitor of this Site, subject to the Processing of Personal Data (Protection of Individual) Law of 2001 N138(1)/2001 has the right of access and correction of his personal data pursuant to articles 12 and 13 of the above law.

Minors are allowed access to USB BANK PLC's internet site subject to their parents/ or guardians consent only and are not required to supply any personal data.

 

Applicable Law

These terms and conditions are governed by and construed in accordance with the Laws of the Republic of Cyprus. The courts of the Republic of Cyprus will have an exclusive jurisdiction to determine any dispute, civil action, claim proceeding or arising out of or relating to these terms and conditions. Nothing included in these terms and conditions shall affect the Bank's right to take proceedings against the Account Holder/and or user in any other jurisdiction.

In the event that any of the terms hereof is deemed to contravene the law and is declared void or voidable, the remaining terms hereof shall not be affected in any manner whatsoever and shall continue to be in full force and effect.

Availability

This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Limitation of Liability - Disclaimer of Warranties

USB BANK PLC exercises its best efforts to ensure that the available information and the contents of the USB BANK PLC's internet site is accurate, clear, correct, timely, correct or current and does not include technical inaccuracies or typographical errors. However, USB BANK PLC makes no representations or warranties and expressly disclaims liability if such information or the content of USB BANK PLC's internet site is not as provided above. The information on this site is provided for information purposes only and are not binding in any way upon the Bank. Consequently, any decision or action taken based on information contained to this Site is at your sole responsibility and in no way will the Bank be deemed responsible to indemnify persons (natural or legal) for any damage and/or loss and or expense incurred by such persons as a result of the use of such information.

The information and materials contained in this Site, including text, graphics, links or other items are provided “as is”, “as available” without any representation or warranty whatsoever, whether express or implied, on USB BANK PLC's part, including representations or warranties regarding the fitness or merchantability of any of the contents of USB BANK PLC's Internet site.

USB BANK PLC under no circumstances guarantees an uninterrupted, error-free or virus-free supply of contents and services via USB BANK PLC's internet site or via any other site server providing access to the contents of USB BANK PLC's internet site. Accordingly, USB BANK PLC shall not be liable for any direct or consequential damage, loss or profit, decision-making, performance or non-performance of any securities or other investment transaction that may arise from the use of USB BANK PLC's internet site.

You expressly agree that use of this site, including all content, data or software distributed by, downloaded or accessed from or through this site, is at your sole risk. You understand and agree that you will be solely responsible for any damage to your business or your computer system or loss of data that results from the download of such content, data or software.

To the fullest extent permissible pursuant to applicable law, USB BANK PLC and its affiliates disclaim all warranties of any kind, either express or implied, including but not limited, to any warranties of title, or implied warranties of merchantability or fitness for a particular purpose. No oral or written information provided by USB BANK PLC or its affiliates, officers, directors, employees, agents, providers, merchants, sponsors, licensors or the like shall create a warranty, nor shall you rely on any such information or advice.

In case you publish any of your personal or sensitive information you accept that you are solely responsible for the consequences of such publicity, such us disturbance by third parties.

You acknowledge that USB BANK PLC does not control in any respect any information, products or services offered by third parties or through this Site. Except as otherwise agreed in Writing, USB BANK PLC and its affiliates assume no responsibility for and make no representation or warranty as to the accuracy, currency, completeness reliability or usefulness of content or products distributed or made available by third parties through this site.

USB BANK PLC shall not be liable for errors or inaccuracies in the transmission of data and/or orders from the client/visitor of the Site, interference, fraudulent impersonation, breaking of codes, erroneous recording or transmission of message or system failure due to force majeure or for whatever other reason which is not due to breach of the above either by USB BANK PLC or its employees.

Variation

USB BANK PLC reserves the right to vary or modify or amend the content and/or the services of this Site and/or the present terms and conditions at any time and at its absolute discretion without prior notice but only by publishing such variation, modification or amendment on this website. Therefore, you should and you are advised to review these terms and conditions to familiarise yourself with any such variations, modifications and amendments and your continued access and use of this website following the posting of any such changes shall automatically be deemed your acceptance of the same.

Termination

Notwithstanding any of these terms and conditions, USB BANK PLC reserves the right, without notice and in its sole discretion, to terminate your license to use this Site, and to block or prevent future access and use of this Site.

 

Complaints Policy

It is our objective to provide you with a high standard of service. However, we do recognise that on occasions problems may arise and we may fall short of your expectations or the service levels to which we aspire. The following explains what you need to do if you are in any way dissatisfied with our service and wish to make a complaint.

Any comments on our service are welcomed because not only do they help us work to improve our individual service to you, but they also assist the enforcement of our products and services in general.

In case you may have any complaint you can contact us either in Writing, or by telephone or by e-mail to the following address/telephone:

USB BANK PLC, Complaints Officer

P.O.Box 28510, CY-2080, Nicosia, Cyprus

Tel: 22883333

Fax: 22875899

email: complaints.officer@usb.com.cy

To help us investigate and resolve your complaint as quickly as possible, please provide the following information:

* Your name and address
* A clear description of your concern or complaint
* Copies of any relevant documents
* A daytime telephone number and/or address where we can contact you.

We will try to resolve your complaint as quickly as possible. The first step is for us to be clear on the nature of your complaint, and to identify with you what we can do to resolve the issue. Therefore, the more information you provide us the better.

If we are unable to resolve your complaint by the following working day we will communicate with you to let you know by when we expect to have resolved it.

When we have resolved your complaint, we will write to you with details of the actions we are proposing or have taken.

If, whatever reason, you are not satisfied with our response or the handling of your complaint, you should contact the person or department who handled it to agree an appropriate way forward.