Website Terms of Use

Please read the following terms of use carefully before using this Site.

What is in these Terms?

These Terms tell you the rules for using our website: www.theaccessbankmaltaltd.mt (the “Site”).

They also provide you with the following information:

  • Who we are and how to contact us;
  • By using our Site, you accept these terms;
  • There are other terms that may apply to you;
  • We may make changes to these terms;
  • We may transfer this agreement to someone else;
  • We may make changes to our Site;
  • We may suspend or withdraw our Site;
  • You must keep your account details safe;
  • Transmissions and communications over the Site;
  • How you may use material found on our Site;
  • Do not rely on information on our Site;
  • We are not responsible for Sites we link to;
  • Minors;
  • How we use your personal information;
  • No warranty;
  • When we are responsible for loss or damage suffered by you;
  • Uploading content to our Site;
  • We are not responsible for viruses and you must not introduce them;
  • No text or data mining, or web scraping
  • Rules about linking to our Site;
  • Which country’s laws apply to any disputes;
  • Our trademarks are registered.

1. Who we are and how to contact us

The Site is a website operated by The Access Bank Malta Limited. We use it to provide information about the company and the banking products and services that we offer, together with other pertinent information.

We are registered in Malta under company number C107833 and have our registered office at Level 4, The Piazzetta Business Plaza, Triq Għar il-Lembi, Sliema, SLM 1605, Malta. (the “Bank”; “we”; “us” or “our”).

We are a fully licensed credit institution regulated by the Malta Financial Services Authority. We are also a participant in the Depositor Compensation scheme. Kindly follow the link www.theaccessbankmaltaltd.mt for a description and overview of the products and services that we offer.

To contact us, please email info@theaccessbankmaltaltd.mt.

2. By using our Site, you accept these Terms

By using our Site, you confirm that you accept these Terms and that you agree to comply with and be legally bound by them, which shall take effect immediately upon your first use of the Site.

We therefore recommend that you take the time to familiarise yourself with the contents of these Terms before using the Site, and that you print a copy for future reference.

If you do not agree to any of these Terms, you must exit and not use our Site.

3. There are other terms that may apply to you

These refer to the following additional terms, which also apply to your use of the Site:

  • (i) Our Privacy Notice, which sets out how we process personal data from the Site; and
  • (ii) Our Cookie Policy, which sets out information about the cookies on our Site.

Any third-party content included on the Site is governed by these Terms or through such third-party terms and conditions that will be made known to you as and when they become relevant.

4. We may make changes to these Terms

We may amend these Terms from time to time for any reason, by posting notice of the changes online. Every time you wish to use the Site, please check these Terms to ensure you understand the terms that apply at that time.

Your continued use of the Site shall constitute your acceptance to the changes that we have made and the amended Terms.

5. We may transfer this agreement to someone else

We may transfer our rights and obligations under these Terms to another organisation.

We will always tell you in writing if this happens and we will ensure that the transfer will not affect or diminish your rights under these Terms.

6. We may make changes to our Site

We may update and change our Site from time to time.

We may do so to for instance reflect changes to our services, website content, our users’ needs or our business priorities or requirements. Alternatively, to ensure compliance with any changes in law.

7. We may suspend or withdraw our Site 

Users may access and view content on the Site solely for their own private and non-commercial use.

We do not guarantee in any way that the Site, or any content published on it, will always be available or uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of the Site for legal, business, or operational reasons. We will try to give you reasonable notice of any suspension or withdrawal but have no obligation to do so.

You are also responsible for ensuring that all persons who access the Site through your internet connection or mobile device are aware of these Terms and all other applicable terms and conditions, and that they comply with them in full at all times.

8. Transmissions and communications over the Site

The Site includes a form which allows you to contact us by filling the relevant fields.

Please be aware that internet transmissions and data transmissions are never completely private or secure and that any message or information which you send over the Site may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.

Though we strive to ensure that such transmissions are private and secure, this cannot be guaranteed, and we shall not be liable in any manner whatsoever for any defaults.

9. How you may use material found on our Site 

We are the owner or licensee of all intellectual property rights in our Site (including its domain and trademarks) and in the content and materials published on it. They are protected by copyright laws and other intellectual property laws and treaties around the world. All such rights are reserved in full.

You may print off one copy, and may download extracts, of any page(s) from our Site for your private and non-commercial use, but you may not modify them (including by removing any trademarks or any other proprietary notices) or adapt or create derivative works from them. You also may not download or print off such extracts or content in a systematic or regular manner or otherwise so as to create a database in electronic or paper form comprising all or part of the Site’s content or materials.

You may also draw the attention of others (including those within your organisation or firm) to the Site, and the material published on it.

Moreover, you may not, however, copy (except as expressly stated otherwise), broadcast, transmit, show, perform or communicate to the public any of the content or materials found on the Site for any other purpose whatsoever, without our prior written permission. In particular, you must not reproduce or use in any manner any part of the content or materials on our Site for commercial purposes, without first obtaining a licence to do so from us and, as the case may be, from our licensors.

If you wish to make inquiries about a licence to use or reproduce any content or materials from the Site, please email us at info@theaccessbankmaltaltd.mt.  In all such cases, our status (and that of any identified contributors) as the authors of content/materials taken from the Site must always be acknowledged.

You may not sell any of the content appearing or published on the Site (except for content that was authored by you and in which you, as agreed with us, retain intellectual property rights).

Our status and that of any identified contributors as the respective authors of the content on the Site must always be acknowledged.

If you print off, copy or download any part of the Site (including any part of the material or content found on it) in breach of these Terms, your right to use the Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. We also reserve the right to, in such circumstances, claim and sue for damages and any other relief which may be needed or otherwise appropriate.

10. Do not rely on information on our Site

Although we make reasonable efforts to update the information found on the Site, we make no representations, warranties or guarantees, whether express or implied, that it is accurate, complete or up-to-date.

To the extent permitted by law, we do not accept responsibility for any statement contained in any of the content appearing on the Site. Nothing in the content appearing on our Site is provided for any specific purpose or at the request of any particular person. For the purpose of clarification, we will not be responsible or otherwise liable for any loss caused as a result of your doing, or not doing, anything as a result of viewing, reading or listening to the content appearing on the Site.

Our Site also contains advertising materials created and delivered by third parties. You acknowledge that the relevant third-party advertiser is responsible for the contents of its advertising materials and for ensuring that any of the products or services advertised through it are compliant with applicable law and regulations. We are not responsible for such materials and any issues which you may have or develop in connection with them should be reported to the relevant advertiser.

11. We are not responsible for Sites we link to

The Site may contain links to other Sites and resources provided by third parties.

Where our Site contains such links, they are provided for your convenience and general information only. Such links should not be interpreted as our approval or endorsement of the linked websites or any of the information which you may obtain from them. Those sites and resources are not under our control and we are not responsible in any way for their contents.

12. Minors

Our Site and related services are not intended for minors, and we do not knowingly collect information relating to minors. If you are a parent or guardian and you are aware that that your child (being a minor) has provided us with personal information, please contact us.

If we become aware that we have collected personal information about a minor without verification of parental consent, we take steps to remove that information from our servers.

13. How we may use your personal information

We will only use your personal data as set out in our Privacy Notice.

14. No Warranty

You acknowledge that the Site has not been designed or developed to meet your particular, individual needs. To the maximum permitted under applicable law, you accept that the Site is being made available to you “AS IS” and “AS AVAILABLE”, with all faults and without warranty of any kind.

We hereby disclaim all warranties and conditions with respect to the Site and its contents, whether express, implied or statutory, including, but not limited to, warranties relating to their performance, quality and merchantability or their fitness for a particular purpose or their non-infringement of third-party rights.

You also acknowledge that we do not warrant:

  • against interference with your enjoyment of the Site; or
  • that the functions contained in, or services performed by the Site will meet your requirements or achieve the intended results;
  • that the operation of the Site will be uninterrupted or error-free;
  • that the Site will be compatible or work with any third-party software, applications or services; or
  • that the Site will be corrected.

You acknowledge and accept the risk that the use of the Site may affect the usability of third-party software or applications, and that the entire risk as to their quality and performance lies solely with you.

No oral or written information or advice that may be furnished by us or any of our authorised representatives shall, under any circumstance, be construed as a departure from or waiver of the above disclaimers.

15. Our responsibility for loss or damage suffered by you:

Whether you are a consumer or a business user:

  • We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
  • Different limitations and exclusions of liability will apply to liability arising as a result of, or, in connection with the provision of our banking products and services to you. These are set out in the General Terms and Conditions of Business.

If you are a business user:

  • We exclude all implied conditions, warranties, representations or other terms that may apply to the Site, or any content on it.
  • We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
  • use of, or inability to use, the Site,
  • use of or reliance on any content found on the Site.
  • In particular, we will not be liable for:
  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

If you are a consumer user:

  • Please note that we only make the Site available to you for personal, non-commercial use. You agree not to use the foregoing for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
  • If any – digital content that we have supplied to you damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or provide you with compensation.

16. We are not responsible for viruses and you must not introduce them

We do not guarantee or warrant that the Site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platforms to access the Site.

You should use your own virus protection software.

You must not misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Site, the server on which the Site is stored or any server, computer, device or database connected to the Site (including by using any robot, spider, scraper, or any other automated means).

You must not attack the Site (or any other Site or mobile app connected to them) via a denial-of-service attack or a distributed denial-of service attack. In addition, you must not use the Site to harvest information.

Note that, by breaching this section in any way, you would be committing a criminal offence punishable under Maltese law. We will report any such breach to the relevant law enforcement authorities, and we will co-operate with those authorities by disclosing your identity to them and any other information which we have. In the event of such a breach, your right to use our Site will cease immediately.

17. No text or data mining, or web scraping

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our Site or any services provided via, or in relation to, our site for any purpose, including the development, training, fine-tuning or validation of AI systems or models. This includes using or permitting, authorising or attempting the use of:

  • Any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of our Site or any data, content, information or services accessed via the same.
  • Any automated analytical technique aimed at analysing text and data in digital form to generate information [or develop, train, fine-tune or validate AI systems or models] which includes but is not limited to patterns, trends and correlations.

The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of the Digital Copyright Directive ((EU) 2019/790).

You shall not use, and we do not consent to the use of, our Site, or any data published by, or contained in, or accessible via, our Site or any services provided via, or in relation to, our Site for the purposes of developing, training, fine-tuning or validating any AI system or model.

This clause will not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.

18. Rules about linking to the Site 

Third-party links to the Site cannot be done without prior permission.

You must not establish a link, or reference the Site, in such a way as to suggest any form of approval or endorsement on our part, or an affiliation or association with us or sponsorship by us, where none exists.

You must not establish a link to the Site in any website that is not owned by you.

Our Site must not be framed on any other Site, nor may you create a link to any part of the Site other than the home page.

We reserve the right to withdraw linking permission without notice.

If you wish to link to or make any use of content on the Site other than that set out above, please contact info@theaccessbankmaltaltd.mt

19. Which country’s laws apply to any disputes?

These Terms, including their subject-matter and formation, and any non-contractual obligations arising out of or in connection with these Terms, shall be governed by and construed in accordance with the laws of Malta. For the benefit of the Bank, you agree that the Courts of Malta shall have exclusive jurisdiction to hear and settle all disputes arising from or in connection with these Terms, and accordingly submit to the jurisdiction of such Courts.