Terms and Conditions

Description of The Bank

Liberty International Bank Limited
Regulated by the Abu Dhabi Global Market (“ADGM”) Financial Services Regulatory Authority
Registered Address: 23rd floor, Al Sila Tower, Abu Dhabi Global Market Square, Al Maryah Island, Abu Dhabi, P.O. Box: 52452, United Arab Emirates
Phone: +971 (0) 2 4107000
Fax: +971 (0) 2 4107009

Liberty International Bank Limited (“the Bank”) is registered in the ADGM with registered number 000000479 as a private company limited by shares for the purposes of providing the following Services to Professional Clients and Market Counterparties:

i.   accepting deposits;
ii.    dealing in investments as principal;
iii.    dealing in investments as agent;
iv.   arranging credit;
v.   arranging deals in investments;
vi.    advising on investments or credit;
vii.    providing credit;
viii.    managing assets;
ix.    providing custody;
x.   arranging custody;
xi.   providing money services.

Introduction

These Terms and Conditions govern your access and use of this Site (libl.com). Please read these Terms and Conditions carefully before using it. By accessing or using this Site, you acknowledge that you have read, understood and agreed to these Terms and Conditions in full.

Content

The information displayed in this Site is provided for Professional Clients and Market Counterparties only. It is not intended for Retail Clients. Excepted for the on-line contact form, this Site is for information purposes solely. This Site may present statements, recommendations and reports from different sources. Liberty International Bank Limited undertakes to ensure that the presented information is correct and complete. Nevertheless, the Bank cannot make any warranty as to its reliability, accuracy or up-to-dateness and shall not be responsible for any act and decision taken based on such information. Your reliance on such information shall be under your own responsibility and at your own risk.

Modification

These Terms and Conditions as well as the information, content and material of this Site may become subject to changes at the sole discretion of the Bank at any time and without prior notice. Please review them regularly.

Limitation of Liability

Under no circumstances, Liberty International Bank Limited shall be liable to you for any loss or damages arising directly or indirectly from the use of this Site, including, but not limited to: (i) any omission, error, inaccuracy, deletion in the contents of this Site (ii) delay, defect, interruption, computer virus or system failure, indirect, special or consequential loss arising from the use of this Site.

Intellectual Property

This Service is protected by the Intellectual Property Law. It is also the case of the information appearing on this Site (including, but not limited to information, text, images, brands, logos, displays, photographs) which are owned or used with permission by Liberty International Bank Limited and protected under the copyright, the right on brands and patents and any other right recognized by the legislation in force. Given the laws protecting this Site, you agree not to reproduce, unless expressly authorized, totally or partially, any portion of this Site, may it be for commercial or other purposes, without the prior written consent of the Bank.

Personal Data

You may be requested to supply personal information during the use of this Site as when filling in an on-line form. This data may be used by Liberty International Bank Limited for the provision of the requested information and the management of its banking relations. This data may, to the extent necessary to achieve the above purposes, be disclosed to one or more of the Affiliates and sub-custodians of the Bank. These recipients could be established within or outside the United Arab Emirates, including countries whose data protection legislation differs from the United Arab Emirates legislation. These transfers take place under conditions and guarantees intended to provide appropriate protection of your personal data and in accordance with the provisions of the ADGM Data Protection Regulations of 2015 and any of its subsequent amendments.

Disclaimer

The safety transmission of data on the internet cannot be fully guaranteed. The Bank is not able to assure or guarantee that the information you are transmitting is fully secured. Therefore, you are reminded that you communicate the latter to us under your own responsibility and at your own risk.

Hypertext Links

The presence of hypertexts links towards other websites is only intended to facilitate your navigation. Liberty International Bank Limited shall not be in any way liable for the information appearing on these external sources. Your access and use of such hyperlinks is at your own risk and the Bank shall not be a party to any terms and conditions applicable to the access or use of such external websites.

Communication

Any comments, requests, or inquiries can be sent at the following address: info@LIBL.com or made using the Contact us form. Please be reminded that internet communications are not fully secure.

Social Media

Liberty International Bank Limited may connect and interact with its clients and other users through social media accounts, pages and applications.

By accessing and using the social media platforms of Liberty International Bank Limited, you agree to be bound and comply with the following terms as well as any additional terms provided by said platforms.
The content published by Liberty International Bank Limited on its social media platforms is provided for informational purposes only.

The Bank may post content regarding certain products or services. However, these posts shall not constitute an offer of any products or services provided by Liberty International Bank Limited.

Liberty International Bank Limited does not provide financial, investment, legal, tax or other specialist advice through its social media platforms.
Unless otherwise stated, any content (including without limitation, information, text, images, displays, photographs, trademarks and logos) displayed by the Bank on its social media platforms are the intellectual property of Liberty International Bank Limited. Unless expressly authorized, you agree not to copy, modify, download, reproduce or use this content, may it be for commercial or other purposes, without the prior express consent of the Bank.

The Bank shall not be responsible for the content and accuracy of the information posted by third parties on its social media platforms.

Liberty International Bank Limited’s social media platforms should not be used for any illegal, abusive or offensive purposes. The Bank reserves the right to remove, at its absolute discretion, any comments or posts which it believes disrespectful, illegitimate or inappropriate, or to block users who would have posted such content.
While the Bank intends to provide its clients and other users with prompt and quality assistance, it may not always be able to respond, or respond in a timely manner, to all questions or comments posted on its social media platforms.

Please be reminded that information posted on social media platforms may be publicly available. In this respect, you shall be advised not to post any confidential, personal or financial information.

Liberty International Bank Limited shall not be responsible for the terms of use, privacy and security of its social media platforms. Access to these platforms is at your own risk and the Bank shall not be liable in any way to you in relation to their use. You agree to indemnify and hold harmless the Bank in respect of all damages and expenses arising out of your breach of these terms or use of its social media platforms.

Complaints

If you have any complaints regarding the Bank Services, please use the form provided in this Site. You can fill in the form online using the Contact us form or submit it electronically by e-mail. The complaint will be taken in charge by the concerned party at the Bank. You shall get a confirmation/acknowledgment of receipt within seven working days of the complaint deposit and a follow up and update on the resolution of the complaint if the latter would need more than 30 days to finalize. The complaints should normally be closed within sixty days. In case of exception, you will be notified with the extra needed delays.

Termination

Liberty International Bank Limited may in its discretion terminate this agreement, the Site, any part of it, or your access and use to it at any time.

Governing Law

These Terms and Conditions are governed by the laws of the ADGM. Any dispute or claim arising out of or in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the ADGM courts.

The headings in these Terms and Conditions are for your convenience and reference only and shall not affect their interpretation.