Terms of Use

 

THESE NOTICES MUST BE READ IN THEIR ENTIRETY BY ALL PERSONS USING THIS WEBSITE. YOU ACKNOWLEDGE THESE NOTICES AND AGREE TO BE BOUND BY THEM. IF YOU ARE NOT IN AGREEMENT WITH THESE NOTICES, DO NOT USE THIS WEBSITE.

SECURITY AND CONFIDENTIALITY:
The Bank undertakes not to divulge any personal information provided by you such as address, e-mail, telephone, income etc., to any third parties unless we have been authorized by you or are required by law to do so. We continue to uphold and maintain our Bank/customer duty of confidentiality. We however advise that the Bank cannot guarantee that the transmission of personal information through this Website will be private and secure from third party interference and or corruption of data. As such, any information sent through this website is at your own risk. THEREFORE, THE BANK WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT OR CONSEQUENTIAL LOSS, OR DAMAGE SUSTAINED BY ANY PERSON ARISING FROM THE USE OF THE WEBSITE, INCLUDING BUT NOT LIMITED TO ANY LOSS OR DAMAGE RESULTING AS A CONSEQUENCE OF ANY DEFECTS, DELAYS, INTERRUPTIONS, INACCURACIES OR ERRORS IN ANY INFORMATION PROVIDED THROUGH THE WEBSITE AND OR THE TRANSMISSION OF CONFIDENTIAL OR SENSITIVE INFORMATION WHEN USING THIS WEBSITE.

WEBSITE DISCLAIMER:
The information on this website does not constitute an offer to enter into legal relations with any person but serves merely as an invitation to treat with persons legally entitled to contract.

BANK APPLICATION INFORMATION:
All communications made through the application forms provided by the Bank on this website are invitations to treat only. You agree not to change the terms and conditions on these forms. The application forms may only be used by you to present your offer to contract with the Bank and are not binding until accepted by the Bank on the verification and approval of all documentation. The Bank reserves the right to refuse your offer for any reason. All information submitted to the Bank through this website shall be deemed and remain the property of the Bank. The policy of the Bank is to adhere to strict measures of confidentiality. It is the user's decision to communicate personal information to the Bank through the website. The Bank is not and shall not be held responsible for any unauthorized access to information submitted through the website.

TRADEMARK/COPYRIGHT:
This website is protected by copyright and trademark law. The Bank is the sole author of the information contained on the website. You may copy the materials found on this website only for purposes of establishing a Bank/customer relationship with us. You are otherwise not to modify, copy, reproduce, republish, upload, post, transmit or distribute in any manner, the material on the website, including text, graphics, code and/or software.

LIMITATION OF LIABILITY:
You assume all responsibility and risk for the use of this server and the Internet generally. We disclaim all warranties/representations express or implied with regard to any information accessed from or via this server or the Internet. We do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any information, newsletter, product or process disclosed on the server. All information contained on this website is provided "as is" without warranty of any kind either express or implied - such information is not intended to provide any banking, financial, investment, tax, legal or accounting advice and therefore should not be relied upon by you in that context. We shall not be liable for any special, incidental, indirect or consequential damages or any damages whatsoever resulting from the use of the website, this server or the Internet generally.

ACCURACY OF INFORMATION ON THE WEBSITE:
We make no warranty of any kind with respect to the accuracy of information provided on this website and it should not be relied upon as such. This information is at all times subject to verification and amendment by the Bank.

VIRUSES:
We cannot and do not guarantee or warrant that files available for downloading through the website will be free of infection or viruses, worms or other code that manifest contaminating or destructive properties.

PRIVACY:
If the user provides personal information hereinbefore described the bank will not disclose this information to any external party unless authorized to do so by the user, or unless required to do so by law. The Bank will maintain this information as well as the user’s activities according to our usual security and confidentiality standards.

CHANGES TO THE WEBSITE:
We reserve the right at any time to make changes to the information provided on this website without prior notice.

CALCULATORS:
When and where calculators are provided on this website, same are to be used for a guide only. The loan calculations when given do not include debt-servicing factors and are based on income earned only.

LINKS:
Please note that the Bank is not responsible for the accuracy or content of the websites of other providers which may have links from this website. In creating hyperlinks to any other website, the Bank is not recommending that website nor giving any assurances to its standing.

APPLICABLE LAW:
This website is created and controlled by Citizens Bank in Guyana. As such, the laws of Guyana will govern the use of the website and the terms and conditions herein (and any disputes or claims arising as a result) without giving effect to any principles of conflicts of laws.

THESE NOTICES MUST BE READ IN THEIR ENTIRETY. BY USING THIS WEBSITE, YOU ACKNOWLEDGE THESE NOTICES AND AGREE TO BE BOUND BY THEM. IF YOU ARE NOT IN AGREEMENT WITH THESE NOTICES, DO NOT USE THIS WEBSITE.