Terms & Conditions

Terms and Conditions

Welcome to AM Bank’s official website (the “Site”)

These terms and conditions (the “T&C”) govern your use and access to the Site. By using the Site, you declare that you read, understood, and accepted the T&C and hereby agree to comply with and be bound by them. If you disagree with the T&C you must not use the Site. 

 

You must be at least 18 years of age to use the Site.

 

The Site uses cookies.  By using the Site you consent to our use of cookies in accordance with our privacy policy terms.

 

In line with our commitment to upgrade and continuously improve our services, we may from time to time review and revise any of the features, benefits, functions and the Site Content in general appearing in the pages of the Site. We may release new versions of the Site or create new modules related to it. We may also revise and amend the T&C. We advise you to review the T&C regularly because your continued access to the Site &/or your continued use of the Site &/or the services provided in it shall be deemed to constitute an acknowledgment and acceptance of such amendments without reservation on your part.

 

We may provide information in articles we post on the Site only for educational and general informational purposes and not as professional advice. We have made no attempt to verify any information contained in any such articles.

 

Definitions

For the purpose of the T&C, the following terms shall have the following meaning:

  • Us or We or AM Bank shall mean AM Bank sal.
  • You or User shall mean the individual who accesses and uses the Site and who may also be holder of a User’s Site Account & User’s Bank Account.
  • User Content shall mean material including without limitation; User’s personal information, information related to User’s Account , Transactions, and instructions, content, text, messages, images, photographs, drawings, descriptions, audio material, video material, audio-visual material or other information that User may, for whatever purpose, post, upload, submit, email, transmit or otherwise make available to and through the Site &/or to AM BANK, alone or as part of other works in any form, media or technology whether now known or hereafter developed. User shall be solely responsible for all User Content, their correctness and accuracy.
  • User’s Site Account shall mean the account that is held by User on the Site. The Account is personalized on the Site and each User can access his account individually through a username and password.
  • User’s Bank Account: shall mean the bank account that is held by User at AM Bank.
  • Transaction(s) shall mean the transactions that are performed by User in the User’s Site Account &/or User’s Bank Account.
  • Site Content shall mean all the content used in connection with, incorporated or contained in or presented through the Site, includes but is not limited to: information, services, products, data, text, files, images, graphics, graphical user interface, video, sounds, audio works, works of authorship, applications, forms, diagrams, software (including any html, java script, java, CGI script or any other computer code), animation files, and their arrangement and any other materials or content found on the Site.

 

User Content

  • You are solely responsible for the correctness and accuracy of all User content you post, upload, transmit, email or otherwise make available on, through or in connection with your access and usage of the Site. We will not be required to review or monitor User Content.
  • You warrant and represent that User Content complies with all applicable laws and the T&C and shall not infringe any third party's legal rights and shall not be capable of giving rise to legal action whether against User or AM BANK or a third party.
  • We reserve the right to edit or remove any of User Content submitted to the Site, or stored on the Site’s servers, or hosted or published upon the Site.
  • We may block the sending of any inquiry or other User Content that we deem inappropriate.
  • We do not undertake to monitor the submission of User Content to or the publication of such content on the Site.
  • You acknowledge, consent and agree that we may access, preserve or disclose information you provide to the Site, including User Content, in compliance with our Privacy Policy and when we have good faith that such access, preservation or disclosure is necessary in order to: (i) protect or defend the legal rights or property of AM BANK or any of its affiliated companies, or employees, officers, agents and contractors (including enforcement of AM BANK’s agreements); (ii) protect against fraud or for risk management purposes; or (iii) comply with the law or legal process.

 

Users Authorized Usage of the Site

  • You can access and use the Site, in good faith, as frequently as desired in order to benefit from the services provided within the Site.
  • You agree to abide by all the restrictions displayed on &/or within the Site, as and when they are updated from time to time.
  • Your access and usage of the Site will always be in a manner consistent with any and all applicable laws.
  • It is your own responsibility to ensure that any products, services or information available through the Site meet your specific requirements.
  • When we deem necessary we may restrict access to certain areas of the Site or to the entire Site.

     

    You shall comply with the authorized use of the Site. Below are unauthorized uses of the Site which are prohibited whether directly or indirectly performed. You shall not:

  • Republish, sell, rent, lease edit or otherwise modify the Site Content.
  • Reproduce, duplicate, copy, photocopy, print, display or otherwise exploit all or any part of the Site, for commercial purposes, whether electronically, mechanically or otherwise, in any form including, but not limited to, the copying of presentation, style or organization, for any reason whatsoever.
  • Translate, transmit, distribute, reduce to any electronic medium or machine-readable form, or otherwise make available in any form or by any means all or any part of the Site, the content or any information or materials retrieved from the Site, including, without limitation, graphics and logos, in whole or in part, for any purpose whatsoever.
  • Use the Site or any business listings, contract information or other content, to promote another business or commercial venture.
  • Create compilations or derivative works of the Site or the Site Content.
  • Use the Site for the benefit of any third party except as specifically contemplated under the T&C.
  • Use the Site to post, upload, transmit, convey, submit, distribute, store, destroy or link to any User Content: (a) in violation of any applicable law, statute, ordinance or regulation; (b) in a manner that will infringe the intellectual property rights, trademark, patent, trade secret, contract or other rights of others; (c) that is defamatory, obscene, offensive, harassing or trade libelous; (d) that contains any viruses, Trojan horses, worms, time bombs, cancel bots or other computer programming routines that are intended to interrupt, damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, software or hardware or telecommunications equipment, or data or personal information; (e) that is false, misleading or inaccurate in any way; or (f) in violation of any acceptable use policy or other policy posted at the Site from time to time.
  • Interfere with, damage, disable, disrupt, impair, create an undue burden on, or gain unauthorized access to User’s Accounts, the Site including AM BANK's servers, networks.
  • Cover, remove, disable, block or obscure advertisements or other portions of the Site.
  • Use technology or any automated system such as scripts or bots in order to collect usernames, passwords, email addresses or other data from the Site or to circumvent or modify any security technology or software that is part of the Site.
  • Send or cause to send unsolicited bulk messages (also known as "spamming") or other unsolicited bulk communications of any kind or chain letters through the Site.
  • Use the Site in any way that causes, or may cause, damage to the Site or impairment of the availability or accessibility of the Site; or in any way which is unlawful, illegal, threatening, abusive, harassing, defamatory, libelous, deceptive fraudulent or harmful, invasive of another's privacy and rights, tortious, or otherwise violates AM BANK's rules or policies or in connection with any such purpose or activity.
  • Use the Site to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
  • Violate or attempt to violate the security of the Site.
  • Reverse engineer, decompile, disassemble or otherwise attempt to derive source code or other trade secrets from the Site, including, without limitation, any of the software comprising or in any way making up a part of the Site.
  • Export, re-export or permit any third party to export or re-export the Site where such export or re-export is prohibited by applicable law without appropriate licenses and clearances.
  • Use the Site Content or any other materials from the Site in any manner that may infringe upon any copyright, intellectual property right, proprietary right, property right, patent, trademark, trade secret, privacy or any other rights, of AM BANK or any third party.
  • Use the Site and or any communications service, chat room, message board, blog, forum, newsgroup, or other interactive service that may be available to User on or through the Site to transmit, upload, post, distribute or facilitate distribution of, or otherwise make available any information or content, including text, communications, software, images, sounds, data or other information, that: (1) is false, or (2) contains explicit or graphic descriptions or accounts of sexual acts, including, without limitation, sexual language of a violent or threatening nature directed at another individual or group of individuals, or (3) includes any inside information &/or proprietary or confidential information learned or disclosed under nondisclosure agreements, or (4) User is restricted from using under any law, or (5) infringes upon the intellectual property rights of any third party, or (6) contains software viruses or any other computer code, files or programs that are designed or intended to disrupt, damage, or limit the functions of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any other party.
  • Attempt, facilitate or encourage others to do any of the foregoing.

    We reserve the right to remove User Content that violates the T&C and take any action that we deem appropriate.

 

Third Party Content

  • The Site Content may contain &/or provide access to content provided by third parties ("Third Party Content") that may include content User finds to be offensive, indecent or objectionable. The third party from whom or which any such Third Party Content originates is solely responsible for such Third Party Content and we assume no responsibility to verify, have any control or influence over, make no representations regarding, and do not guarantee the accuracy, integrity or quality of any Third Party Content.
  • We have no liability of any kind to Users or any other person relating to any Third Party Content or for any loss or damage of any kind incurred as a result of the use of any Third Party Content. Statements of opinion and commentary in Third Party Content are those of the third party and, unless AM BANK expressly states in writing to the contrary, AM BANK neither endorses nor adopts as its belief any such statements and must not be regarded as the publisher of such Third Party Content.

 

Links/Software

  • Links from or to web-sites outside the Site are meant for convenience only. AM BANK does not investigate, review, endorse, approve or control, and is not responsible for any web-sites linked from or to the Site, the availability and content of those web-sites, the third parties named therein, or their products and services. Such web-sites are owned &/or controlled &/or maintained by third parties. When User engages with a third party site, User is interacting with the third party, not with AM BANK. Linking to any other site is at User’s sole risk and we will not be responsible or liable for any damages in connection with such linking. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.
  • You may not create a link to the Site from another Site or document.
  • You are responsible to take any protective measures to guard against viruses and other destructive elements.

 

AM BANK Records

  • User acknowledges and agrees that AM Bank's records and any records of instructions, communication, and operation relating to the access and usage of the Site and any record of any instruction, communication, and operation maintained by AM Bank or by any relevant person authorized by AM Bank relating to or connected with the Site shall be binding and conclusive on User for all purposes whatsoever and shall be conclusive evidence of the transactions, instructions, communication, and operation and the liability of AM Bank, as though such instructions, communication, and operation, were written documents.
  • User hereby agrees that all such records are admissible in evidence and that User shall not challenge or dispute the validity, admissibility, reliability, accuracy or the authenticity of the contents of such records merely on the basis that such records were incorporated &/or set out in electronic form or were produced by or are the output of a computer system, and hereby waives all of User’s rights (if any) to so object. User hereby waives any such right User may have at law.
  • The entering of the correct username and password of User’s Account on the Site shall constitute sufficient proof of the authenticity of any instructions resulting. AM Bank is under no obligation to verify the identity or the authority of the person entering such information and data.

 

Costs and Expenses

    User hereby agrees that if AM BANK initiates legal proceedings against User because of a default in the terms of the T&C, then User shall be liable to pay to AM BANK all legal costs (including lawyers’ fees), other costs, charges and expenses which AM BANK may incur in enforcing or seeking to enforce any of the provisions of the T&C and any provision granted to AM BANK by law.

 

Disclosure of Information

  • AM BANK and its officers, employees and agents shall be entitled to disclose and User irrevocably consents to AM BANK’s and its officers’, employees’ and agents’ disclosure to any third party, of any information pertaining to User, User’s Account, User Content, Transactions’ details, and records in any manner and to such extent as AM BANK may at its sole and absolute discretion deem fit in order to fulfill AM BANK’s obligations hereunder, including but not limited to: affiliate to AM BANK, &/or any other party engaged by AM BANK to enable or assist AM BANK in the provision of services or to exercise or enforce AM BANK’s rights hereunder &/or any other party whomsoever as AM BANK may, at its sole and absolute discretion, deem fit &/or in compliance with the law or with the order of any court or government or regulatory authority according to all the applicable Lebanese Laws. Thereby User irrevocably releases AM BANK from the banking secrecy obligation in regards to the provisions of the T&C.
  • User acknowledges that AM Bank and in the purpose of fulfilling its obligations hereunder may resort to third party services and networks, hence AM Bank is subject to the such third parties terms and conditions. Therefore, User irrevocably releases AM Bank from the banking secrecy obligation in regards to such third parties and any other parties which may acquire any information about the User in the process of fulfilling AM Bank’s obligations hereunder and in order to ensure the fulfillment and the effectiveness of the AM Bank Loyalty Program.
  • AM Bank will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from User’s disclosure to third parties of User’s personal information.
  • User acknowledges and agrees that AM BANK does not warrant the security of any information transmitted using the Site and User hereby accepts the risk that any information transmitted or received using the Site may be accessed by unauthorized third parties &/or disclosed by AM BANK and by its officers, employees or agents to third parties purporting to be User or purporting to act under User’s authority.

 

Liability

  • You are responsible for the non-disclosure of your username, password and the details of your Account.
  • You are prohibited from using another User’s username and password and accessing another User’s Account.
  • If you think that someone became aware of your username, password, and/or the details of your User Site Account, then you must immediately contact our Call Center on 1210 and inform them because any loss or damage resulting from the unauthorized use of your username, password, and the details of your Account prior to the date of our notification will be borne solely by you.
  • You irrevocably agree and confirm that we &/or our affiliated companies shall in no event be liable to you or any third party for any claims, losses, damages, costs and expenses of whatever nature (legal or otherwise including all lawyers’ fees) and howsoever arising whether in contract, tort, negligence, strict liability, breach of statutory duty or any other basis, including without limitation, direct or indirect, special, incidental, exemplary, consequential or punitive damages, or business, profit or data or savings losses, incurred by User and howsoever caused whether directly or indirectly in connection with the Site, any access or usage of the Site, &/or the T&C, including but not limited to the following circumstances, even if we have been advised of the possibility of such losses and damages;
    • AM Bank enforcing its rights according to the T&C.
    • Your access or use or the inability to access or use the Site (or any third party link to or from the Site) for whatever reason.
    • If you are not receiving communication from us including the cases when you change your mobile number and don’t inform us &/or you change your address and don’t inform us, and all other cases when it is clearly understood that you committed a default in notification towards us.
    • Your disclosure of any information according to the T&C.
    • Any instruction, communication or operation made by you, or purportedly made by you and referable to a compromised username and password of User’s Account,  and which was processed by us prior to or at the time of such cancellation, or which we were unable to stop the processing of.
    • Any failure by us to carry out any instruction referable to a compromised username and password of User’s Account, which was outstanding as at the time we cancel such compromised username and password of User’s Account, &/or which we had stopped the processing of.
    • Your reliance on the information contained on the Site.
    • Any material downloaded or otherwise obtained in connection with the Site.
    • Any technical, hardware, software, telecommunications, server or connection failure of any kind.
    • Any loss or corruption of any data, database or software.
    • Any interruption, error, omission, delay in operation, computer viruses, or otherwise.
    • Any circumstance suffered by User as a result of any prohibition, restriction, delay in use or access of the Site due to any regulation of Lebanon or any other country
    • Any error(s) in transmission of instructions that might have been transmitted through the Site or transmission by AM Bank of any other data or information through the Site.
  • This exclusion of liability shall take effect to the fullest extent permitted by law.

 

Disclaimer

  • We provide the Site and the Site Content on an "as is" and "as available" basis, including the material, information and content provided by third parties.
  • We will make every effort to ensure that the Site Content is correct. However, we accept no responsibility for any inaccuracy or mis-description contained therein. We and our affiliated companies do not make any warranties, representations or endorsements of any kind whether implied, express or statutory, including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, completeness, currentness, accuracy, satisfactory quality, reliability, fitness for a particular purpose or result, and freedom from computer virus or other invasive or damaging code, in respect of the Site, the Site Content and the material, information and content provided by third parties &/or functions therein.
  • We expressly disclaim liability for errors and omissions in respect of the Site, the Site Content and the material, information and content provided by third parties &/or functions therein.
  • We do not warrant or represent that access to the whole or part(s) of the Site will be provided uninterrupted, timely, secure or error-free or that any identified defect will be corrected, or that there will be no delays, failures, errors or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to User’s computer system, that is for any reason whatsoever whether within or outside our control.
  • User agrees that AM Bank shall not be liable for any damages arising from any of the circumstances mentioned herein.

 

Indemnity

    User hereby agrees to indemnify and undertakes to keep indemnified AM Bank, its employees, officers, affiliated companies and subcontractors and their respective officers, agents, partners and employees, from and against all liabilities, claims, damages, losses, costs, and expenses, (including without limitation legal expenses, attorneys' fees, and any amounts paid by AM Bank to a third party in settlement of a claim or dispute, on a full indemnity basis, that may be incurred or suffered by AM Bank in connection with or arising from (1) User’s use or misuse of the Site and the services provided herein, or (2) User’s breach of the T&C howsoever occasioned, or (3) any claim that User committed a breach to the T&C, or (4) any intellectual property right or proprietary right infringement claim made by a third party against AM Bank in connection with User’s access and use of the Site, or (5) any of User Content that was posted or otherwise submitted on, through or in connection with the Site.

 

Breach of the T&C

  • In addition to the foregoing, in the event that AM Bank determines, in its sole and absolute discretion, that User has breached the T&C, threatened to breach the T&C, committed any fraud or deception, breached any AM Bank policy in effect from time to time or otherwise failed to perform to the standards required of AM Bank, AM Bank shall be entitled, at its discretion and in addition to any other remedies it may have hereunder &/or at law, take such action as AM Bank deems appropriate, including but not limited to: terminate, cancel or suspend User’s access to the Site, in each of the foregoing cases at any time and for any period of time, &/or bring court proceedings against User.
  • AM Bank shall not be responsible for the return of any of User Content of any kind to User upon any termination of User’s access to the Site, including without limitation any information input into the Site by User.

 

Intellectual Property Rights

  • Unless otherwise stated, AM Bank and/or its licensors own the intellectual property rights in the Site and material on the Site.
  • Site Content is protected by copyright, trademark, patent, trade secret and other laws. All intellectual property rights are reserved.
  • User acknowledges that the Site Content is the exclusive property of AM Bank &/or its third-party licensors. The T&C does not transfer any right, title or interest in the Site or the Site Content to User.
  • User acknowledges and agrees that User is only permitted to use the Site Content as expressly and explicitly authorized by AM Bank. Therefore, User is strictly prohibited from copying, downloading, stream capturing, reproducing, duplicating, archiving, uploading, embedding, posting, emailing, modifying, translating, publishing, broadcasting, transmitting, retransmitting, distributing, performing, transferring, licensing, displaying, selling, commercially exploiting, or otherwise using, creating works or materials that derive from or are based on the design elements, branding, and trade dress of the Site Content, or otherwise make available any material that infringes any copyright, patent, trademark, trade secret or other proprietary rights of the Site, Site Content, and those related to any person or entity.
  • This prohibition applies regardless of whether the derivative works or materials are sold, bartered or given away. User may not either directly or through the use of any device, software, internet site, web-based service or other means remove, later, bypass, avoid interfere with, or circumvent any copyright, trademark, or other proprietary notices marked on the Site Content or any digital rights management mechanism, device, or other content protection or access control measure associated with the Site Content including geo-filtering mechanisms.
  • All trademarks, patents, copyrights and other intellectual property rights owned by AM Bank on the date hereof shall continue to be owned solely by AM Bank, and except as set forth herein, nothing in the T&C shall be deemed to confer any rights to any such intellectual property on the other. For purposes of clarity: (i) as between User and AM Bank, User shall be deemed to be the sole owner of all User Content entered into the Site or otherwise posted by User; and (ii) AM Bank is the sole owner of all source code, object code, software, content, copyrights, trademarks, patents and other intellectual property related thereto or included therein. All suggestions, recommendations, bug-fixes, error-fixes or other communications from User to AM Bank regarding the Site shall, upon submission to AM Bank, be owned solely and exclusively by AM Bank. In addition, AM Bank shall be entitled to post feedback at the Site (&/or allows others to do so) regarding any User. User acknowledges and agrees that the applicable supplier(s) of any third-party software included within the Site shall own all worldwide rights, title and interest in and to such third-party software (and any intellectual property rights therein).
  • It is AM Bank's policy, in appropriate circumstances and at its full discretion, to disable &/or terminate the User’s Accounts of those Users who may infringe or repeatedly infringe the copyrights or other intellectual property rights of AM Bank &/or others.
  •  

    Termination of Access &/or Use of the Site

  • User acknowledges that AM Bank shall be entitled, in its absolute discretion, at any time, and without prior notice, to suspend, restrict &/or terminate User’s access &/or use of the Site.
  • In particular and without limitation, AM Bank may perform any of the above-mentioned clauses of this section, at the occurrence of any of the below circumstances:
    • If User violates any of the T&C or the terms and conditions of any agreement &/or document signed at AM Bank &/or with AM Bank.
    • Any misrepresentation of information by User to AM Bank.
    • User committing any fraudulent conduct which constitutes fraud or which causes a loss to AM Bank.
    • User is abusive or offensive to any User of AM Bank’s staff.
  • Any termination of the access and usage of the Site (howsoever occasioned) shall not affect any accrued rights or liabilities of either party nor shall it affect the coming into force or the continuance in force of any provision hereof which is expressly or by implication intended to come into or continue in force on or after such termination. Without prejudice to the generality of the aforesaid, the obligations under Clauses: Disclosure of Information, AM Bank Records, Links/Software, Liability, Disclaimer, Indemnity, Waiver, Force Majeure, and Intellectual Property Rights shall survive the termination of the T&C.

     

    Severability of Provisions

  • If any provision of the T&C is determined to be invalid, illegal, or unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the other provisions of the T&C shall continue in full force and effect or, at AM Bank’s sole discretion, such provision may be severed from this Agreement and the remaining provisions of this Agreement shall remain in full force and effect
  • Any rights not expressly granted herein are reserved.

 

Severability

    If a provision of the T&C is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect.  If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

 

Agreement

    The T&C is an integral part of all other contracts and documents that User may have signed and may sign with and at AM Bank including but not limited to the General Agreement.

 

Law and Jurisdiction

    These terms and conditions will be governed by and construed in accordance with the Lebanese law, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of Beirut.

     

    Please contact AM BANK at: info@ambank.com with any questions regarding the T&C.

     

    I, BEING USER, HAVE READ THE T&C AND AGREE TO ALL OF THE PROVISIONS CONTAINED HEREIN.