Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THE SITE.

By using the Site, you acknowledge that you have read these terms and conditions of use together with our Privacy Policy and Social Terms of Use and any other policies implemented and updated on the Site from time to time (collectively the “Terms and Conditions”) and you agree to be bound by them without limitation or qualification. If you do not agree to these terms and conditions of use, you do not have our consent to use the Site and should exit the Site immediately. BNK Holding K.S.C.C (“BNK”) and its affiliates (together with BNK, “us,” “we” or “our”) reserves the right, at our discretion, to change, modify, add or remove portions of these terms at any time with or without notice. Therefore, we suggest that you review these terms periodically for changes. By using our Site after we have posted changes to these terms and conditions of use, you are agreeing to be bound by these terms as amended.

I. Disclaimer

NOTHING CONTAINED IN THE SITE CONSTITUTES INVESTMENT, LEGAL OR TAX ADVICE. NEITHER THE INFORMATION, NOR ANY OPINION CONTAINED IN THE SITE CONSTITUTES A SOLICITATION OR OFFER BY BNK, ANY OF ITS AFFILIATES OR ANY FUND OR OTHER ENTITY MANAGED DIRECTLY OR INDIRECTLY BY ANY OF THE FOREGOING, TO BUY OR SELL ANY SECURITIES, FUTURES, OPTIONS OR OTHER FINANCIAL INSTRUMENTS. DECISIONS BASED ON INFORMATION CONTAINED ON THE SITE ARE THE SOLE RESPONSIBILITY OF THE VISITOR, AND AS CONSIDERATION FOR ACCESS TO THE SITE, YOU AGREE TO HOLD BNK AND ITS AFFILIATES HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS WHATSOEVER AND OF ANY NATURE FOR DAMAGES ARISING FROM ANY DECISIONS THAT YOU MAKE BASED ON SUCH INFORMATION.

THE INFORMATION IN THE SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND (EITHER EXPRESS OR IMPLIED). TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, BNK AND ITS AFFILIATES DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

NEITHER WE NOR ANY THIRD PARTIES PROVIDE ANY REPRESENTATION, WARRANTY OR GUARANTEE AS TO THE ACCURACY, TIMELINESS, PERFORMANCE, COMPLETENESS OR SUITABILITY OF THE INFORMATION CONTAINED OR OFFERED ON THE SITE. YOU ACKNOWLEDGE THAT THE SITE MAY CONTAIN INACCURACIES OR ERRORS AND WE EXPRESSLY EXCLUDE LIABILITY FOR ANY SUCH INACCURACIES OR ERRORS TO THE FULLEST EXTENT PERMITTED BY LAW.

II. Terms of Use

The use of this Site is subject to the following terms of use:The content of the pages of this website and Service is for your general information and use only and is subject to change without notice.

BNK reserves the right to change, suspend, discontinue or restrict access to the Site without notice or liability, whether or not in the event of a visitor breaching these terms and conditions. In the event of suspension or termination that is resultant of a User’s violation or breach of our Terms and Conditions, the relevant visitor must not attempt to gain further access.

This website contains material which is owned by or licensed to us. Reproduction is strictly prohibited.

Unauthorized use of this Site or misuse of any content provided herein may give rise to a claim for damages and/or be a criminal offence.

You must not act in a way, use or introduce anything (including any virus, worm Trojan horse, timebomb, keystroke logger, spyware or other similar feature) that in any way compromises or may compromise the Site or any underlying system, or otherwise attempt to damage or interfere with our Site or any underlying system.

It is understood that you are deemed, by way of acceptance to these terms of use, to indemnify us against all losses suffered or incurred by us, resulting from direct or indirect failure to comply with these terms of use, including any failure of a person who accesses and uses this Site.

From time to time this Site may also include links to other websites, these links are provided for your convenience to provide further information and they do not signify that we endorse the other websites. We have no responsibility for the content of the linked websites

III. Restriction on Use

Unless otherwise expressly noted, all information and materials, including, without limitation, images, illustrations, designs, icons, photographs, video clips, and written and other materials, that are part of the Site are copyrights, trademarks, service marks, trade names, trade dress and/or other intellectual property owned, controlled or licensed by BNK or BNK’s affiliates or have been obtained with the prior written consent from the owners of the copyrights, trademarks, service marks, trade names, trade dress and/or other intellectual property (“Licensors”). No material from the Site (in whole or in part) may be copied, reproduced, republished, uploaded, posted, transmitted, licensed, altered, framed, stored for subsequent use or distributed in any way; provided, however, that you may download, where specifically permitted, one copy of the materials on any single computer for your personal, non-commercial use only, provided you keep intact and properly display all copyright and other proprietary notices. You may not distribute, modify, transmit, reuse, repost, or use the content of the Site, including, without limitation, any text, images, audio and video, for public or commercial purposes without BNK’s written permission. Modification or use of the information or materials for any other purpose will violate the copyright and/or intellectual property rights of BNK and/or its affiliates or its Licensors. Neither BNK nor any of its affiliates will treat users of this Site as its clients, customers, partners or agents by virtue of their accessing this Site.

IV. Jurisdictional Issues

The site is controlled and operated by BNK from its offices within the state of Kuwait. Neither BNK nor any of its affiliates makes any representation that materials in or accessible through the site are appropriate or available for use in other locations or that access to them where their content is located is not illegal and prohibited. Those who choose to access the site from other locations do so on their own initiative and are responsible for establishing the legality, usability and correctness of any information or materials under any or all jurisdictions and the compliance of that information or material with local laws, if and to the extent local laws are applicable.

V. Links to Other Web Sites and Services

We do not review or monitor any websites linked from or to the Site and none of them is or will be responsible for the content of any such linked websites. Your following links from or to such websites is at your sole risk. Accordingly, neither BNK nor any of its affiliates can be held responsible for the information, materials, products or services obtained on or from such other websites, nor will any of them be liable in any respect whatsoever for any damages arising from your access to such websites. Any links from or to other websites are provided merely for the convenience of the users of the Site and the inclusion of these links does not imply an endorsement, representation or warranty by BNK or any of its affiliates with respect to any such linked websites or the content, products or services contained or accessible through, or the operators of, such websites. In addition, you agree not to link any of your websites or any third-party website to the Site without the express prior written consent of BNK. We reserve the right, at any time, for any reason not prohibited by law, to deny permission to anyone to link a website from or to the Site.

VI. Cookie Policy

To enhance the your experience during your visit or use of the Site, our webpages may use “cookies”. Cookies are small text files, or otherwise described as ‘alphanumerical identifiers’ that are transferred to your device hardware and placed in your computers browser in order to store your preferences. Cookies, by themselves, do not inform us of your email address or other personal information, unless you expressly choose to provide this information to us. Once you opt to provide a web page with personal information, this information may be linked to the data stored in the cookie. A cookie is synonymous to an identification card, that is unique to your computer or electronic device. This can only be read by the server that produces and provides the same to you. We may use cookies to save visitors’ time, as they help us to remember who you are. Cookies enable us to be more efficient and we are able to learn about what type of content is important to each of our Users. Most browsers automatically accept cookies, therefore, if you wish to control which cookies you accept you are able to configure your browser settings accordingly, however, you may find that some parts of the website will not function in the event that you choose to refuse cookies. In any event, by proceeding to the use of the Site you agree to the use of our cookies, as well as other similar technologies to enhance your browsing experience, analyze your engagement with our content and for other legitimate business purposes. Our cookie policy is subject to the terms of our privacy policy found on our Site.

VII. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BNK AND ITS AFFILIATES EXPRESSLY DISCLAIM ANY AND ALL LIABILITY WHATSOEVER FOR ERRORS AND OMISSIONS IN ANY INFORMATION OR MATERIALS, AND FOR ANY USE OR INTERPRETATION BY OTHERS OF ANY INFORMATION OR MATERIALS, CONTAINED IN OR ACCESSIBLE THROUGH THE SITE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL BNK OR ANY OF ITS AFFILIATES BE LIABLE IN ANY RESPECT WHATSOEVER FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE INFORMATION AND MATERIALS IN OR ACCESSIBLE THROUGH THE SITE, EVEN IF BNK OR AN AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING, AND IN ADDITION TO THE FOREGOING, IN NO EVENT SHALL THE TOTAL LIABILITY (IF ANY) OF BNK AND ITS AFFILIATES TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED IN THE AGGREGATE THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SITE.

VIII. Indemnification

You agree that you will not use this Site for any unlawful purpose, or for any purpose prohibited by these Terms of Use. You agree to indemnify, defend and hold harmless BNK and its affiliates from any liability, loss, claim and expense (including attorneys’ reasonable fees) related to (i) your violation of these terms and conditions, and/or (ii) your posting or use of materials on this Site.

IX. Waiver

No waiver by BNK or any of its affiliates of any right under or term or provision of these terms and conditions will be deemed a waiver of any other right, term or provision of these terms and conditions at that time or a waiver of that or any other right, term or provision of these terms and conditions at any other time.

X. Governing Law and Consent to Jurisdiction

These terms and conditions shall be governed by and construed in accordance with the laws of the State of Kuwait. You agree that any dispute or action at law or in equity arising out of or relating to these terms or your use of the Site shall be commenced exclusively in the courts of the State of Kuwait and by using the Site you submit to the personal jurisdiction of such courts for the purposes of any such dispute or action.

XI. Other

If any provision of these terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions. The preceding terms and conditions represent the entire agreement between us, on the one hand, and you, on the other, relating to the subject matter hereof.