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TERMS,CONDITIONS AND PRIVACY POLICY

Your Protection Is Our Priority

Please read these Terms and Conditions carefully before accessing the FBN Mortgages Website. As a condition to and in consideration of receiving and accessing the FBN Mortgages Website, the User agrees to be bound by the provisions of these Terms and Conditions. Use of or access to FBN Mortgages Website shall constitute acceptance of and agreement to be bound by these Terms and Conditions.

If you do not wish to be bound by these Terms and Conditions, do not access The FBN Mortgages Website. If you have any questions about these Terms and Conditions, please contact us via e-mail at info@fbnmortgage.com

This Agreement “Terms and Conditions” is entered into by and between FBN Mortgages (herein after called “FBNM”) and any individual, corporation, association, agency, company, or other entity who accesses or uses FBNM’s Website (the “User” or “you”).

DISCLAIMER

WHILST EVERY CARE HAS BEEN TAKEN IN PREPARING THE MATERIALS AND INFORMATION CONTAINED IN THIS WEB SITE, SUCH MATERIALS AND INFORMATION ARE PROVIDED ON AN "AS IS" BASIS WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY REGARDING NON-INFRINGEMENT, SECURITY, ACCURACY, RELIABILITY, FITNESS FOR A PURPOSE OR FREEDOM FROM COMPUTER VIRUSES BEING GIVEN IN CONNECTION WITH SUCH MATERIALS AND INFORMATION.

THE MATERIALS AND INFORMATION CONTAINED IN THIS WEB SITE ARE PROVIDED FOR GENERAL INFORMATION ONLY AND SHOULD NOT BE USED AS A BASIS FOR MAKING DECISIONS. ANY ADVICE OR INFORMATION RECEIVED VIA THIS WEB SITE SHOULD NOT BE RELIED UPON WITHOUT CONSULTING PRIMARY OR MORE ACCURATE OR MORE UP-TO-DATE SOURCES OF INFORMATION OR SPECIFIC PROFESSIONAL ADVICE. WE RECOMMEND YOU OBTAIN SUCH PROFESSIONAL ADVICE WHERE APPROPRIATE.

GEOGRAPHIC, POLITICAL, ECONOMIC, STATISTICAL, FINANCIAL AND EXCHANGE RATE DATA ARE PRESENTED IN CERTAIN CASES IN APPROXIMATE OR SUMMARY OR SIMPLIFIED FORM AND MAY CHANGE OVER TIME. RELIANCE HAS BEEN PLACED BY THE EDITORS ON CERTAIN SUCH DATA OBTAINED EXTERNALLY STATISTICAL DATA OF WHICH, THOUGH BELIEVED TO BE CORRECT, MAY NOT IN FACT BE ACCURATE. THE BANK ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM ACTION TAKEN, OR NOT TAKEN, BY OR FOR YOU OR OTHERWISE, IN RELIANCE ON MATERIALS OR INFORMATION CONTAINED IN THIS WEB SITE. IN PARTICULAR, NO WARRANTY IS GIVEN THAT ANY MATERIAL, INFORMATION OR DATA CONTAINED IN THIS WEB SITE ARE ACCURATE, RELIABLE OR UP-TO-DATE.

THE BANK ACCEPTS NO LIABILITY AND WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIAL, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM YOUR USE OF THIS WEB SITE, HOWSOEVER ARISING, INCLUDING ANY LOSS, DAMAGE OR EXPENSE ARISING FROM, BUT NOT LIMITED TO, ANY DEFECT, ERROR, IMPERFECTION, FAULT, MISTAKE OR INACCURACY WITH THIS WEB SITE, ITS CONTENTS OR ASSOCIATED SERVICES, OR DUE TO ANY UNAVAILABILITY OF THE WEB SITE OR ANY PART THEREOF OR ANY CONTENTS OR ASSOCIATED SERVICES, WHERE SUCH EVENTS AROSE OUT OF CIRCUMSTANCES OUTSIDE THE BANK'S REASONABLE CONTROL.

PLEASE NOTE THAT ANY SOFTWARE DOWNLOADED FROM THIS WEB SITE IS AT YOUR OWN RISK AND THE BANK NEITHER ASSUMES NOR ACCEPTS LIABILITY FOR ANY LOSS OR DAMAGE (WHETHER DIRECT OR INDIRECT), HOWSOEVER CAUSED, AS A RESULT OF ANY COMPUTER VIRUSES, TROJAN HORSES, WORMS, SOFTWARE BOMBS OR SIMILAR ITEMS OR PROCESSES ARISING FROM YOUR USE OF THIS WEB SITE, WHERE SUCH EVENTS AROSE OUT OF CIRCUMSTANCES OUTSIDE THE BANK'S REASONABLE CONTROL.

ANY HYPERTEXT LINK FROM THIS WEB SITE EXIST FOR INFORMATION PURPOSES AND ARE FOR YOUR CONVENIENCE ONLY, THE BANK ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIFIC, INCIDENTIAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM THE ACCURACY OR OTHERWISE OF MATERIALS OR INFORMATION CONTAINED ON THE PAGES OF SUCH SITES OR LOSS ARISING DIRECTLY OR INDIRECTLY FROM DEFECTS WITH SUCH SITES LINKED. THE BANK'S INCLUSION OF HYPERLINKS DOES NOT IMPLY ANY ENDORSEMENT OF THE MATERIALS ON SUCH SITES LINKED.

THE BANK DOES NOT GUARANTEE THAT ANY E-MAILS FROM THE WEB SITE WILL BE SENT TO YOU OR RECEIVED BY THE BANK NOR DOES THE BANK WARRANT THE PRIVACY AND/OR SECURITY OF E-MAILS DURING INTERNET TRANSMISSION WHICH IS OUTSIDE THE BANK'S REASONABLE CONTROL. THE BANK ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIAL, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM FAILURE OF ANY INTERNET TRANSMISSION (INCLUDING E-MAILS CORRESPONDENCE) FROM THIS WEB SITE OR OTHERWISE.

INTELLECTUAL PROPERTY RIGHTS

All contents of this Web Site including but not limited to the texts, graphics, links and sounds are the copyright of FBN Mortgages and may not be copied, downloaded, distributed or published in any way without the prior written consent of FBN Mortgages.

"FBN Mortgages", "FBN Mortgages Limited", are registered trademarks and service marks of FBN Mortgages and no permission or license is granted to use any such trademarks or service marks without the prior written consent of FBN Mortgages. All other marks, names and logos used on this Web Site relating to companies within the FBN Mortgages or to their products or services are the intellectual property rights held by companies within the FBN Mortgages unless otherwise stated.

In relation to any information or materials which you submit to FBN Mortgages using this Web Site, you hereby grant to FBN Mortgages a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such information or materials for any purpose it deems including, without limitation, the copying, transaction, distribution and publication thereof, unless restricted by applicable laws.

You agree that FBN Mortgages shall not be under any obligation of confidentiality to you regarding any such information or material submitted to it using this Web Site unless agreed otherwise in a separate direct contract between you and FBN Mortgages or required by applicable laws.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this Web Site.

You acknowledge and agree that the Service and any necessary software used in connection with the Service contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that the contents of sponsored advertisements or information presented to you through the Service or advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by FBNM, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Software, in whole or in part. FBNM grants you a personal, non-transferable and non-exclusive right and licence to use the contents of the site; provided that you do so within the limit of the Terms of Service. In addition, when using particular FBNM services, you and FBNM shall be subject to any posted guidelines or rules applicable to such services, which may be posted from time to time. All such guidelines or rules are hereby incorporated by reference into the Terms of Service.

PRIVACY

Unless restricted by applicable laws, you agree that any and all personal data relating to you collected by the Bank from this Web Site may from time to time be used and disclosed for such purposes and to such persons as may be in accordance with the Bank's prevailing Privacy Policy as amended from time to time. A copy of the Bank's current Privacy Policy may be obtained by clicking here.

WEB CONTENT AND MATERIALS

The information contained in this website is believed to be reliable, but FBNM does not warrant its completeness, timeliness or accuracy. The information on the Website is not intended as an offer or solicitation for the purchase of FBNM shares, or any other security.

TERMINATION

The Bank may terminate these terms and conditions, your access to this Web Site and use of online services at any time, without prior notice to you.

MODIFICATION

The Bank reserves the right in its discretion to change at any time without prior warning or notice any information or material contained on this Web Site and is entitled to from time to time amend the terms and conditions under which this Web Site is used without prior notice to you. If you continue to access to this Web Site or use any of the online services after such modification, you are regarded to have agreed to be bound by such modified information, material, and terms and conditions.

USE OF INFORMATION AND MATERIALS

The services and products offered on this website (“Services and Products”) are for information purposes only. No persons gaining access to this website in any jurisdictions may treat any materials or information provided on this website as constituting an invitation to them to subscribe for the services, nor should they in any event use such Services, unless in the relevant jurisdiction, the Services could lawfully be made to them. Accordingly, nothing contained in this website shall constitute an offer or solicitation by anyone in any jurisdiction in which such offer or solicitation is not lawful. It is the responsibility of any person to inform themselves of and to observe all applicable laws and regulations of any relevant jurisdiction before they subscribe for the services. FBNM shall have the final determination of eligibility to subscribe for any of the Services. The information contained in these pages is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice when necessary at all times in their respective jurisdiction.

USE OF PERSONAL INFORMATION

By subscribing to our website, you may from time to time receive our promotional e-newsletters and SMS on happenings in FBNM

DISRUPTION OF SERVICE

Access to the Website may from time to time be unavailable, delayed, limited or slow due to, but not restricted to the following factors:

  • Force majeure
  • Labour Strike Actions
  • hardware failure
  • software failure
  • overload of system capacities
  • interruption of power supply or other utilities
  • government or regulatory restrictions, court or tribunal rulings, amendment of legislation or other human intervention
  • any other cause whatsoever beyond the control of FBNM.

NO WARRANTIES

Whilst diligence has been taken in preparing the information/ materials contained in this website, such information and materials are provided “as is” without warranty of any kind, either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials.