Copyright Notice

The entire content of this site is subject to copyright with all rights reserved and the information held 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 licence of any kind has been granted.

Terms of Use of the Website

Introduction

You are invited to read these terms of use attentively before visiting the website or making use of it in whatever way.

Any further visit to and/or use of this website implies full acceptance of these terms of use.

Definitions

• 'Websites': the web pages of Izola Bank , which can be visited at www.izolabank.com but limited to the informative part of the websites;
• "User" or "you" and its derivatives: each person that uses and/or visits the Website;
• "IZOLA BANK": Izola Bank p.l.c., a public limited company established under Maltese law with registered office at 4, Castille Place, Valletta VLT1062 Malta.

Legal information

1.Izola Bank

The Websites (https://www.izolabank.com/) are published online and owned by Izola Bank, whose details are as follows:

• Registered Office: 4, Castille Place, Valletta VLT1062 Malta
• General e-mail address: [email protected]
• Company registration number: C 16343
• VAT no. MT13175712

2. Scope

These Terms contain the conditions you should comply with when visiting the Izola Bank Website. These Terms will solely apply to the informative part of the Website and not to the e-banking services which are governed by the E-banking General Terms and Conditions.

3. Content and use of the Website

The Izola Bank Website aims at promoting banking services.

While Izola Bank shall take every care to offer you information that is carefully selected and compiled, you cannot make use of the Website in substitution of any kind of (legal or financial) advice whatsoever, nor can you rely on it as such.

Izola Bank shall employ all reasonable efforts to offer correct and updated information on its Website.

When Izola Bank is informed about possible errors and inaccuracies on its Website, Izola Bank shall use all reasonable means to effect relevant corrections as soon as possible. The Website may contain links to other websites not owned or operated by Izola Bank. The links to any such third party websites are provided solely for your convenience. Since Izola Bank has no control whatsoever over these websites, it can in no event be held liable in any way for the content of the linked sites nor does it warrant that these websites are operated in compliance with all applicable legislation and regulations.

Websites owned, controlled or operated in whole or in part by third parties may provide links to this Website. Izola Bank did not examine the content of these websites and has no influence or say whatsoever in the content or other characteristics of these websites.

In addition, you acknowledge and agree that downloading information or obtaining information by using the Website in any other way is at your own discretion and at your own risk. You are solely responsible for any possible damage to your computer system or loss of data that results from downloading information.

4. Modifications to the Website

Izola Bank reserves the right to modify the information that is published on its Websites at any time and thus to amend, update or complete the provisions of the Terms. It is your responsibility to check these Terms regularly. If you continue to use the Websites after the modifications entered into force, you acknowledge to agree with the changes and to accept them.

In addition, Izola Bank does not assume any liability for potentially damaging consequences resulting from changes to the information published on the Websites or to its Terms.

5. Functioning of the Website

Izola Bank employs reasonable efforts to make its Website available uninterruptedly and to secure it by all practical means.

Izola Bank reserves the right to modify, suspend or discontinue, temporarily or permanently, the use of the Website, with or without notice, during downtime. The User agrees that Izola Bank shall not be liable for any such modification, suspension or discontinuance of the use of the Website.

6. User obligations

Irrespective of what is determined in the other terms of use, as a User you specially commit yourself to:

1. use the Website in good faith in a reasonable way;
2. not to use the Website in a way contrary to these Terms;
3. not to use any device, software or routine to interfere or attempt to interfere with the proper working of this website. You further undertake not to take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Website (which could cause the temporary or permanent unavailability), nor to denigrate the content;
4. not to use the Website for illegitimate purposes, in violation of common public decency or with the intention of causing prejudice to the reputation of Izola Bank or of any third party;
5. not to insert in the Website another website, logo, photo, other element or a hyperlink or to link the Website with another website without the explicit prior written approval of Izola Bank.

In the event that Izola Bank discovers, or has reasonable presumptions, that you violated one of the provisions above [1 to 5] or any other provision imposed by these Terms, Izola Bank has the right to deny you access to its Websites in whole or in part.

Intellectual Property Rights

You acknowledge and agree that the content of the Website, including without limitation, the text, illustrations, technologies described, logos, icons, and software, are protected in all forms, media and technologies by intellectual and/or industrial property rights, including without limitation by copyrights, trademarks, database rights, commercial name, domain name, know-how, models, logos and designs and to which Izola Bank reserves all rights.

The use of this Website does not grant you any rights to any of its content. The content of the Website may only be used for your personal use. Every authorised use of information of the Website must take place in such way that the source of the information is mentioned in a clear and visible way. You may not modify, adapt, publish, distribute, or in any way exploit any of this Website, in whole or in part. You may not insert or implement any link to this Website in any other website owned, maintained or operated by you, your employer or any other third party without the prior written permission of Izola Bank.

Modification, adaptation, publication or transmitting of downloaded content for any other purpose than for your personal use is strictly prohibited without the explicit prior written permission of Izola Bank.

Protection of privacy and personal data

Izola Bank shall take every reasonable care to protect the personal data you provide to Izola Bank. Please see our Privacy Policy.

To contact us

If you require further explanation or any clarification concerning these Terms you are kindly requested to use the Contact Us section on the Websites.

Izola Bank shall attempt to resolve within a reasonable amount of time all misunderstandings, complaints, technical or operational problems which are related to the Websites or to the quality of its content and which you may bring to Izola Bank's attention.

Legal validity of the Terms

If any one of these Terms is held to be totally void and/or unenforceable, the validity or enforceability of the remainder of the Terms shall not be affected.

In the event that one or more provisions of these Terms shall be determined to be partially void and/or unenforceable by any court or body of competent jurisdiction or by virtue of any legislation to which it is subject, or by virtue of any reason whatsoever, it shall be void or unenforceable to that extent only and no further, and the validity and enforceability of any of the other provisions herein shall not be affected thereby.

The provisions of these Terms do not prevail over any legal or regulatory provisions or the provisions of public order under Maltese or E.U. law.

Concerning the applicability of these Terms in relation to other legal texts that have been formulated by Izola Bank, please refer to Article 2 - Scope.

Applicable law and jurisdiction

Maltese law governs these Terms.

Any dispute arising from or related to the use of our Websites or arising from the acceptance, interpretation or observance of these Terms shall be submitted to the exclusive jurisdiction of the competent Courts of Malta.

Terms of Use of the Mobile Apps

General

• By installing the Application (as defined below), you agree to be bound by these terms of use (“appterms”). Please review them carefully before installation and/or acceptance.
• The Bank may revise these appterms at any time by updating this page and without prior notice. You are advised to review this page periodically, because these appterms are binding upon you. 

Definitions

• The ‘Bank’ shall mean Izola Bank plc, 4, Castille Place, Valletta VLT1062 Malta, authorised to provide the Izola Saver Mobile Application.
• The “Application” shall mean the software, provided by the Bank, to be used on Apple iOS and Android OS devices and any upgrades from time to time and any other software or documentation which enables the use of the Application.

Data Protection

The Bank shall not communicate to a third party any confidential information relating to you, your assets, or the income and profits generated by the assets held in accounts, unless you have expressly authorised it to do so or as required by law.

The Bank may process your personal data according to the requirements of the Data Protection Act (Chapter 440 of the Laws of Malta). Any processing of your personal data will be used for the following purposes:

a) To manage your account(s);

b) To provide you with account balances

c) For internal assessment and analysis and for the purpose of developing and improving the Bank's products and services;

d) For the detection and prevention of fraud and other criminal activity which the Bank is bound to report to competent crime investigative and prosecuting authorities or other bodies;

e) For direct marketing, such as to inform you by mail, telephone or email about other products and services supplied by the Bank, and for research purposes, with your consent.

As permitted or required by law, the Bank may disclose your information to Governmental bodies and agencies or regulators. Personal data in relation to transactions effected via SWIFT (Society for Worldwide InterBank Financial Telecommunication) may be required to be disclosed to the United States authorities in order to comply with legal requirements applicable in the United States for the prevention of crime.

Your personal data may be disclosed to or exchanged with all employees of the Bank, its associates and agents for the above purposes only and according to the rules of the data protection regulations issued by the Bank.

You have the right to request the Bank to inform you about your personal data held and processed and to request its correction where necessary. Furthermore, following the opening of an account and during the course of the relationship between you and the Bank, you may, by normal postal letter, request the Bank to refrain from using your details for the purposes of direct marketing.

Whilst the Bank may periodically request you to re-confirm your data, you should inform the Bank immediately if such data has changed.

Proprietary rights and licence

• All trade marks, copyright (including software rights), database rights and other intellectual property rights of any nature in the Application and in the offered documentation, information, publications and data, together with the underlying software code are owned directly by the Bank.
• You will refrain from infringing any such rights.
• The Bank hereby grant you a worldwide, limited, non-transferable, non-sublicenseable, non-exclusive, royalty-free revocable licence to use the Application only for your business and personal use in accordance with these appterms

Conditions of Use

• You acknowledge that any information, document or other material made available through the Application is without any warranty of any kind, either express or implied, including, but not limited to the warranties of completeness, accuracy, fitness or non-infringement.
• You will not, nor allow third parties on your behalf to (i) make and distribute copies of the Application (ii) attempt to copy, reproduce, alter, modify, reverse engineer, disassemble, decompile, transfer, exchange or translate the Application or any trade marks, logos, software programs, documentation, information, publications, data or other elements related to the Application; or (iii) create derivative works of the Application of any kind whatsoever.
• Through the Application, you can view your savings account/s held with the Bank. The Bank shall consider every instruction or transaction received through the Application as an instruction or a transaction authorised by you. The Bank shall not check the validity or correctness of any instruction or transaction authorised by you. Furthermore, the Bank shall not verify the identity or authority of the person making any instruction or transaction apart from verifying the customer login details.
• Once a transaction has been processed through the Application, it cannot be stopped, modified or delayed. You acknowledge that there may be a time-lag in the transmission of requests or instructions via the Application. You undertake to act in good faith and exercise due diligence and care when using the Application.

Availability

• This Application is available to handheld mobile devices running Apple iOS and Android OS Operating Systems. The Bank will use reasonable efforts to ensure a regular availability of the Application. However you acknowledge and accept that (i) the Bank does not guarantee complete, uninterrupted and full time availability of the Application, (ii) the Application is provided over the internet and mobile networks and so the quality and availability of the Application may also be affected by factors outside the Bank’s reasonable control.
• You acknowledge and accept that the Bank reserve the right to reasonably interrupt the services offered by the Application (i) if you are suspected of infringing the appterms, (ii) in case of an attack on our IT systems, (iii) in case this is required by law, (iv) so as to avoid or limit to a strict minimum any harmful impact on the Application, the Bank and/or other customers of the Bank, (vi) for preventive, restorative or adaptive maintenance, and/or (vii) for any other reason which they may reasonably deem necessary. 
• The Bank does not accept any responsibility whatsoever for the unavailability of the Application, or any difficulty or inability to download or access content or any other communication system failure which may result in the Application being unavailable.
• With respect to the Application, the Bank does not accept any responsibility for any damage whatsoever, direct or indirect, and to the extent permitted by applicable law, due to the functioning of your mobile device or due to telecommunication services offered by a third party, or following a disruption of the Application due to an event outside the Bank's control.
• The Bank will not be responsible for any support or maintenance for the Application.

System Requirements

• In order to use the Application, you are required to have a compatible mobile telephone or handheld device, internet access, and the necessary minimum specifications ('Software Requirements').
• The Software Requirements are as follows: Apple iOS devices running iOS 7 or higher, and Android OS devices running Android OS 4.0 and higher; Language: Dutch, French and English.
• The version of the Application software may be upgraded from time to time without notice to add support for new functions and services. You undertake to upgrade the Application every time an upgrade is offered by the Bank, and to always use the most recent version of the Application. The Bank reserves the right to block the access to the Application should you not do this in due time.

Limitation of Liability

• In no event will the Bank be liable for any direct, indirect, special, punitive, exemplary or consequential losses or damages of whatsoever kind arising out of your use of or access to the Application, including loss of profit or the like whether or not in the contemplation of the Bank, whether based on breach of contract, tort (including negligence), product liability or otherwise.
• The Bank is not liable to you for any damage or alteration to your equipment, including but not limited to computer equipment, handheld device or mobile telephones, as a result of the installation or use of the Application.

Disclaimer of Waranties

To the maximum extent permitted by law, and for the avoidance of doubt, the Bank hereby disclaims all implied warranties with regard to the Application. The Application and software are provided "as is" and "as available" without warranty of any kind.

Termination

• The Bank may terminate use of the Application at any time by giving notice of termination to you.
• Upon any termination, (a) the rights and licenses granted to you herein shall terminate; (b) you must cease all use of the Software;

Governing Law and Competent Courts

These appterms are governed by Maltese law. Any dispute in connection with this Agreement will be exclusively settled by the Courts of Malta.