Welcome to the www.ajmanbank.ae website. These terms and conditions govern how you may access, browse and use this website. By: (a) accessing, browsing, submitting material to or otherwise using the Site by any means and via whatever device; or (b) registering your details with us to access certain areas of the Site, you agree to be bound by these Terms.

About us and our business

The Site is operated by or on behalf of Ajman Bank. We are a company registered in Ajman United Arab Emirates with trade license number 43544. Our registered office address is PO Box 7770 Ajman, United Arab Emirates.

Changes to these Terms

We reserve the right to change these Terms at any time and we encourage you to revisit these Terms periodically to ensure that you are at all times fully aware of them. Any changes are effective immediately upon posting to the Site. Your continued use of the Site constitutes your agreement to all such Terms.

3. Registration

Access to some areas of the Site is restricted to users who have registered their details with us. If you register with us and you choose, or you are provided with, a password as part of the registration process, you must treat your password as confidential and you must not disclose it to any third party.

4. Use of the Site

4.1. For the purposes of these Terms: "Content" includes, but is not limited to, all or part of any text, graphics, layout, logos, images, audio material, films or other moving images, product details and/or software published or otherwise available on the Site from time to time (including, without limitation, anything made available for download); and "Trade Marks" means the trade marks, logos and service marks (whether or not registered) displayed on the Site.

4.2. We are the owner or the licensee of all intellectual property rights in the Site, the Content and the Trade Marks. Subject to these Terms, we grant you a limited, temporary, revocable, and non-exclusive license to access, browse and use the Site (including the Content and Trade Marks) for your personal and non commercial use only. Where specified on the relevant part of the Site, the license granted in this section 4.2 may be limited to a particular period of time and/or may be subject to additional terms and conditions.

4.3. While accessing, browsing and/or using the Site you must:

4.3.1. comply with all applicable laws, regulations and codes;

4.3.2. not impersonate another person or use a false name or email address;

4.3.3. not deep-link to and/or use framing techniques to enclose the Site or any part of the Site without our prior written consent;

4.3.4. not modify or attempt to modify all or any part of the Content or the Site;

4.3.5. not gain or attempt to gain unauthorised access to the Site, the server on which the Site is stored or any server, computer or database connected to the Site;

4.3.6. not post, transmit, submit, refer to, make available or link to or from (or authorise or permit any other person to do the same) any material which:

a) is untrue, fraudulent, inaccurate or incomplete; and/or

b) is obscene, threatening, menacing, offensive, defamatory, abusive, causes annoyance, inconvenience or needless anxiety, is in breach of confidence, in breach of any intellectual property right (including, without limitation, copyright) or otherwise violates any applicable law or regulation; and/or

c) makes excessive demands for bandwidth; and/or

d) constitutes advertising (unless approved or otherwise authorised by us); and/or

e) contains any virus or other harmful code, or which may otherwise impair or harm the Site or our computer systems or any third party system.

4.4. Except as set out in section 4.2 above (or as required under applicable law), the Content, Trade Marks and/or any other part of the Site may not be used, reproduced, duplicated, copied, sold, resold, accessed, modified, or otherwise exploited, in full or in part, without our prior written consent.

4.5. At any time and without giving advance notice, we may:

4.5.1. terminate, suspend or deny your access to the Site;

4.5.2. terminate, suspend or deny access to your account or password;

4.5.3. remove or edit any Content on the Site.

5. Material that you submit to the Site

5.1. When you submit material to us for publication:

5.1.1. you grant us a royalty-free, worldwide, perpetual, non-exclusive license to use and distribute it;

5.1.2. publication is at our sole discretion;

5.1.3. we may disclose your identity if required by law or claims;

5.1.4. you confirm the material is your original work;

5.1.5. the material must not be unlawful, offensive, or infringe rights;

5.1.6. you agree to indemnify us for any losses caused;

5.1.7. you waive moral rights in submitted material.

5.2. We may remove any submitted material at any time.

5.3. We may monitor communications on the Site.

6. Third party links

The Site may include links to third-party websites. We are not responsible for their content or accuracy.

7. Exclusions and limitations of liability

7.1. All information is provided "as is" without warranties.

7.2. Information on the Site:

7.2.1. does not constitute advice;

7.2.2. is not an offer or recommendation;

7.2.3. should not be relied upon for decisions.

Independent advice should be obtained before making decisions.

7.3. We do not guarantee the Site will be error-free or uninterrupted.

7.4. We are not liable for any losses including:

7.4.1. business interruption;

7.4.2. access issues;

7.4.3. data loss;

7.4.4. third-party links;

7.4.5. reliance on content;

7.4.6. viruses or system failures;

7.4.7. inaccuracies;

7.4.8. events beyond control.

8. Indemnity

You agree to indemnify Ajman Bank against all claims arising from:

8.1. breach of these Terms;

8.2. negligence or misconduct;

8.3. misuse of the Site (e.g., bots, scraping tools).

9. General

9.1. The agreement is in English.

9.2. Notices are sent via email or post.

9.3. These Terms form the entire agreement.

9.4. Rights are non-transferable.

9.5. No partnership or agency is created.

9.6. Invalid clauses do not affect others.

9.7. No waiver of rights.

9.8. Rights are cumulative.

9.9. These Terms are governed by the laws of Ajman, UAE, and disputes fall under Ajman Courts.