Terms & Conditions

Terms and Conditions of Use

Please read the details set out below before using this website ("the Site"). By accessing this Site you agree to be bound by the following Terms and Conditions and disclaimers ("The Terms").

• References to "you" "your" and "yours" are references to any person, whether legal (through its representative) or natural, accessing this Site.
• References to "we", "us" or "our" are references to plc. and each of our subsidiaries and associated companies.

Site Terms

All our products and services are subject to the terms and conditions and disclaimers of the applicable law governing their use.

These Terms are to be read by you together with any terms, conditions and disclaimers provided in the pages of the Site. In the event of any conflict, the terms, conditions and disclaimers provided in the pages of this site shall prevail over these Terms.

The information, material and content provided in the pages of this Site together with these Terms are subject to change and update from time to time by updating this posting without notice. You agree to review the Terms regularly and your continued access to or use of this Site will constitute your acceptance of any such changes.

No offer

Neither the information, nor any opinion contained in our Site constitute an offer to sell or solicitation or an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or financial instruments.

No warranties

The following clauses exclude or limit our legal liability for the Site. Please read them carefully. They apply only insofar as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you under applicable legislation including but not limited to the Financial Markets Act or the rules of the Maltese Financial Services Authority ("MFSA") for the conduct of business.

Whilst we have taken reasonable steps to ensure accuracy, currency and correctness of the information contained in this Site, we do not give any warranty or representation of any kind, whether expressed or implied.   The use of any information or materials on this website is entirely at your own risk for which First Apex Horizon Bank shall not be liable. It shall be your responsibility to ensure that any products, services or information available through this website meets your specific requirements.

We and any other person involved with the provision and maintenance of this Site shall not be liable for any loss or damage directly or indirectly arising as a result of your use or reliance on the information contained on the Site to the fullest extent permitted by law.

Nothing contained on the Site constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.

We do not represent or warrant that the Site will be available, 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 to scan for computer viruses and/or other destructive properties.

Third Party Sites and Warranties

Where we provide hypertext links to third party internet web-sites, we do so for information purposes only and we do not intend to endorse any information, products or services contained in such web-sites. You use such links entirely at your own risk and we accept no responsibility or liability for the content, use or availability of such web-sites. We have not verified the truth or accuracy of any content of such web-sites.

This Site may also contain some material provided by third parties and we do not necessarily agree with the content of such material. In addition, we accept no responsibility or liability for the accuracy of such material.

No third party is permitted to link any other web-site to this Site without obtaining our prior written consent.

Indemnity

You shall hold us harmless from any loss or damage suffered by any person as a result of your breach of any of these Terms and Conditions.

Confidentiality

If you obtain unauthorized access to any programs, data or other information which belong to us or our agents, you agree to treat such programs, data and information as confidential and agree not to disclose or make use of any of it (or any part of it) and will notify us immediately.

In accessing this Site you accept that electronic mail and other transmissions passing over the Internet may not be free from interference by outside parties and may, therefore, not remain confidential. Consequently, although we have made every reasonable effort to make our system secure, we cannot guarantee the privacy or confidentiality of any information passing over the Internet. Unless otherwise expressly allowed in a particular page of the Site, transmissions to us shall not be considered as instructions, requests to purchase or obtain any product or service, or complaints by customers relating to such products or services. You agree that we will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any messages sent by us to you over the Internet.

Copyright and Trademarks

The entire content of this Site is subject to copyright with all rights reserved and is owned by or licensed to First Apex Horizon Bank plc. unless otherwise noted. The information contained herein is for your personal use only. You may not download (all or in part), copy, transmit, convert, transcribe, decode, reproduce or modify the Site without our prior permission. However, you may print out part or all of the Site for your own personal use. The display of trademarks in the pages of this Site does not imply that a license of any kind has been granted.

Severance

Each of the provisions of these Terms is severable from the others, and if at any time any one or more of such provisions, not being of a fundamental nature, is or becomes illegal, invalid or unenforceable, the validity, legality and enforceability of the remaining provisions of these Terms shall not in any way be affected or impaired.

Waiver

No time or indulgence which we may extend to you nor any waiver by us of any breach by you of any provision of these Terms shall affect our rights and powers hereunder.

Contacting Us about this Site

If you have any questions or comments about this Site or this Important Information or these Terms and Conditions, please contact us.

Governing Law

Maltese law governs these Terms and all the information appearing on the pages of this Site is provided in accordance with and subject to Maltese law. Accordingly, by browsing or accessing this Site you have accepted Maltese law as the law governing the conduct and operation of this Site.

The Courts of Malta shall have exclusive jurisdiction over all claims or disputes arising in relation to, out of or in connection with this Site and its use and these Terms.

This Site is designed for use in Malta and is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this Site or such distribution or use would be contrary to local law or regulation. If you choose to access information on this Site, it is your responsibility to comply with the applicable local, national or international laws and any use of this Site outside Malta is entirely at your own risk. For guidance relating to your specific situation, please contact your legal adviser.

If you disagree with any part of these Terms and Conditions please refrain from using this Site.