First Capital Bank Limited does not make any guarantees and disclaim any liability regarding any of the information provided on the Web Site. We are not obliged to provide any part of the Web Site and we reserve the right to add, change, edit or remove any part of the Web Site, including the terms and conditions, without notice and for any reason whatsoever at our discretion.
These terms and conditions apply to the First Capital Bank Limited website (referred to herein as the “Web Site”) of First Capital Bank Limited (referred to herein by “we”, “us” and “our”).
Please read these terms and conditions carefully before accessing or using this Web Site.
By using or accessing the Web Site you signify that you have read and understood and accept all terms and conditions governing this Web Site or any part thereof, including without limitation any and all disclaimers, rules, guidelines and privacy policies or statements, which terms and conditions shall take effect immediately on your first use of the Web Site, and you agree to abide by the same. You also consent to receive required notices and transact with us electronically.
Some terms, conditions, disclaimers, rules, guidelines, and policies or statements governing part of the Web Site, for example, use, access, and participation in any support page or mailing list, may be referred to, displayed or accessible only in the respectively relevant part of the Web Site. All such terms, conditions, disclaimers, rules, guidelines and policies or statements are deemed to be part of these terms and conditions of the Web Site by reference.
We reserve the right to change these terms and conditions at any time without prior notice. You agree that we can post any changes in these terms and conditions on the Web Site or to any email address you may have provided to us. You also agree that you are responsible for verifying whether these terms and conditions have changed. (You can review the most current version of these terms by clicking on the relative hypertext link located at the Web Site and the last date of changes to these terms and conditions may be specified in this page for your convenience). Your continued use of the Web Site after changes have been posted means you agree to be legally bound by these terms and conditions as updated and/or amended.
If you do not agree to be legally bound by all the terms and conditions of this Web Site you should not, and are not permitted to, access or use this Web Site.
Any headings of clauses or provisions in these terms and conditions are included for convenience and clarity only and are not to be used to limit or restrict the validity, enforceability, scope or meaning of these terms and conditions or any clause or provision thereof.
Use allowed. The Web Site and any information or software contained or referred to therein may only be used and accessed upon agreement and in accordance with these terms and conditions. You may only use or access the Web Site for lawful, personal and non-commercial purposes in a manner that does not infringe the rights of third parties or restrict or inhibit the use and enjoyment of the Web Site by any other person, and only to the extent reasonably necessary to take cognisance of or contribute information contained or referred to in the Web Site.
Use not allowed. You are not permitted and you agree that you will not use the Web Site or any part thereof to advertise or disseminate a commercial message or any duplicative or unsolicited messages, or to disseminate any information (in the broadest sense and including any type of content as well as software, programmes and other computer code), whether directly or indirectly and whether knowingly or not, that is or may be inconvenient, disruptive, distressing, intimidating, harassing, threatening, abusive, degrading, indecent, sexually oriented, vulgar, obscene, offensive, libellous, slanderous, defamatory, hateful, racial, malicious, false, inaccurate, deceptive, fraudulent, invasive, infringing, tortious, illegal or unlawful in respect of any other person or the rights, privacy, dignity and well-being of any other person, or that constitutes or promotes unequal treatment of any individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability.
Administration and moderation. We may use any technical means to prevent unsolicited bulk communications from entering, utilizing or remaining within our computer or communications networks even if doing so may result in a disabling of your account, whether partially or completely and temporarily or permanently.
We reserve the right to disclose individual account or user information to any relevant third party (such as the authorities or your employer, school, internet services provider) when we are required or ordered to do so by law or by any competent court or authority, or when we have reason to believe that disclosing this information is necessary to identify, contact, stop or bring legal action against any person who may be seriously or repeatedly violating these terms and conditions or who may infringing our rights, property or interests or those of third parties. Without prejudice to the generality of the foregoing, the contribution of any apparent pornography involving minors will be reported to the authorities together with any and all data we have in relation to the contribution thereof.
Cautions And Disclaimers
General. We are not under any obligation to provide or continue to provide the information contained in or access to the Web Site. We may change, functionally limit or discontinue the Web Site or any part thereof at any time and without notice.
External References. The Web Site may mention, refer to or contain advertisements of, or may provide external hypertext links to other persons, Web Sites, information, products or services. No such mentioning, reference, advertisement or link constitutes or should be construed as any affiliation or endorsement of any third party, Web Site, product or service. External hypertext links provided by us are provided as a convenience and we do not control, are not responsible for and do not routinely screen, approve, review or endorse any of the persons, Web Sites, information, products or services to which such links refer. When deciding to transact business with any third party, visit any external Web Site or purchase any product or service you should do your own independent research and not rely on the information found on the Web Site. You acknowledge and agree that we are not responsible or liable for any third parties or their Web Sites, information, products or services. Any dealings that you have with advertisers found on the Web Site are between you and the advertiser and you acknowledge and agree that we are not liable for any loss or damage you may claim against an advertiser.
No reliance or advice. The information or software contained in or referred to in the Web Site may be outdated, inaccurate and/or incomplete, and we are not obliged to ensure that the same is updated, accurate or complete. The information contained and accessed on the Web Site is provided as general guidance or general information of interest, and is not intended to replace or serve as a substitute for, and does not constitute, any professional advice, consultation or service. You should not rely only upon any information on the Web Site, and you should review and consider information on the Web Site in the light of your own independent research, and judge the merits of the information for yourself. We do not guarantee the veracity, reliability, accuracy or completeness of any information provided on the Web Site. Nothing transmitted to or from this Web Site constitutes the establishment of a professional-client relationship between you and us or any person contributing information to the Web Site.
Contributions. The information contained in or referred to in some parts of the Web Site is contributed by third parties who access, use and/or participate in the Web Site. Membership, registration or proof of identity is not or may not be required for such third party contributors to contribute information to the Web Site. Such third party contributors may, unintentionally or even intentionally, contribute information which contains errors or omissions, is inaccurate or incomplete, or even misleading or deceptive, or is defamatory or offensive. The information provided by such third party contributors expresses solely their opinions and should in no event be construed as reflecting our opinion.
Other information contained in or referred to in some parts of the Web Site may be contributed by authors on our request or pursuant to a contractual relationship with us. The provision of information contained in or referred to in the Web Site pursuant to any request by us or contractual relationship with us is intended solely to enhance the quantity of information contained or referred to in the Web Site. Any information contributed by such authors may not be accurate or complete, may be defamatory or offensive, and expresses solely their opinions and should in no event be construed as reflecting our opinion.
We are under no obligation to monitor, pre-screen or censor contributions made by such third party contributors or authors, and cannot always effectively do so because information can be contributed in real time. You agree and understand that such third party contributors or authors who may contribute information to the Web Site are not by virtue of their contribution affiliated with, employed by or agents of us and that we make no representations as to the qualifications of any such person. We do not make any representation or warranty with respect to the qualifications or the information contributed by such third party contributors or authors. We are not responsible for any errors or omissions, or any inaccuracies or incompleteness, or any defamatory or offensive elements in any information contributed by such third party contributors, or for any results obtained from the use of such information, and we are not liable for any loss or damage caused, whether in whole or in part, by your reliance on such information. If you do rely on such information in any way you have made a conscious, willing, free, and personal decision to do so at your own risk.
Privacy. We try our best to protect your privacy and any personal information (such as name, address, email address, phone, etc.) you may have provided to us is kept confidential. However, as a result of your use, access to or participation in the Web Site, some information of a personal or private nature may enter the public domain. For example, you may lose some privacy by posting a question or answer which shows your facts or your view of the facts.
Web Site and information. The Web Site and any information or software contained or referred to therein, and throughout these terms and conditions this means to include without limitation all names, facts, figures, procedures, images, graphics and any other type of content whatsoever, is provided “AS IS”, “WITH ALL FAULTS” and on an “AS AVAILABLE” basis without any representations or warranties of any kind, whether express or implied by law, to the extent permitted by law, including the implied warranties of satisfactory quality, fitness for a particular purpose, merchantability, non-infringement, compatibility, security, effectiveness, reliability, timeliness, accuracy and completeness, and without any obligation on our part, whether express or implied, to ensure that the Web Site and any such information or software contained or referred therein meet any expectation or requirements whatsoever.
Results. We do not make any representation or warranty, whether express or implied by law, to the extent permitted by law, that the results that may be obtained from the use of the Web Site and any information or software contained or referred to therein will be of satisfactory quality, fit for a particular purpose, merchantable, non-infringing, compatible, secure, timely, accurate or complete.
Access and security. We do not represent or warrant, and hereby disclaim any representations or warranties, whether express or implied by law, to the extent permitted by law, that the provision of and access to the Web Site and any information or software contained or referred to therein will be accessible, uninterrupted or error-free, that defects will be corrected, or that the Web Site or the server that makes it available are free of viruses or other harmful components, or that you have the ability to transmit and receive information from or through the Web Site.
Liability. THE INFORMATION PROVIDED HEREIN IS TO BE USED ENTIRELY AT YOUR OWN RISK. IN NO EVENT SHALL WE OR OUR PRINCIPALS, OWNERS, OFFICERS, MANAGERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL LOSS, INJURY OR DAMAGE OF ANY KIND WHATSOEVER (INCLUDING WITHOUT LIMITATION LOSS OF DATA, LOSS OF REVENUE OR ANTICIPATED PROFITS, LOSS OF BUSINESS, LOSS OF OPPORTUNITY, LOSS OF GOODWILL OR INJURY TO REPUTATION AND LOSSES SUFFERED BY THIRD PARTIES), HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE), ARISING IN ANY WAY OUT OF OR IN CONNECTION WITH THE PROVISION OF OR ANY ACCESS TO, USE OF OR PARTICIPATION IN THE WEB SITE AND ANY INFORMATION OR SOFTWARE CONTAINED OR REFERRED TO THEREIN, OR ANY COPYING, DISPLAY OR OTHER USE THEREOF OR THE SUBMISSION OR CONTRIBUTION BY YOU OF ANY INFORMATION TO US OR THE WEB SITE, IRRESPECTIVE OF WHETHER SUCH LOSS, INJURY OR DAMAGE WAS FORESEEN, FORESEEABLE, KNOWN OR OTHERWISE OR WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS, INJURY OR DAMAGE, EXCEPT ONLY IN THE CASE OF DEATH OR PERSONAL INJURY WHERE AND SOLELY TO THE EXTENT THAT APPLICABLE LAW REQUIRES SUCH LIABILITY ON OUR PART. YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY DISPUTE WITH US IS TO DISCONTINUE YOUR ACCESS TO, USE OF AND/OR PARTICIPATION IN THE WEB SITE AND ANY INFORMATION OR SOFTWARE CONTAINED OR REFERRED TO THEREIN. YOU EXPRESSLY AGREE THAT IN NO EVENT SHALL ANY LIABILITY ON OUR PART EXCEED THE TOTAL AMOUNT OF SERVICE FEES THAT YOU PAID US DURING A ONE-YEAR PERIOD FOR ACCESS TO, USE OF OR PARTICIPATION IN THE WEB SITE AND ANY INFORMATION OR SOFTWARE CONTAINED OR REFERRED TO THEREIN OR AN AMOUNT OF €1 (ONE EURO), WHICHEVER IS THE LOWER.
Upon a request by us, you agree to defend, indemnify, and hold harmless us and our principals, owners, officers, managers, employees, representatives, contractors or agents from any and all liabilities, losses, claims and expenses, including attorneys’ fees that arise from your use or misuse of the Web Site or any information or software contained or referred to therein or your violation of these terms and conditions, without any obligation on our part to follow any instructions, directions or suggestions made by you. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.
Intellectual Property Rights
The Web Site and any information or software contained or referred to therein are protected by and subject to copyright, design rights, trademark rights and/or patent rights of us and/or of third parties. Without the express prior written consent of the respective owner of the relative intellectual property right, you are not permitted to use, change, modify, reproduce, distribute or publish any part of the Web Site and any information or software contained in any manner or for any purpose whatsoever other than as is expressly allowed in these terms and conditions. Nothing contained in these terms shall be construed as conferring by implication, estoppel or otherwise any license or right to use any patent, trademark, design right or copyright owned by us and/or any other third party. Framing the Web Site or deploying other methods which similarly result in any part of the Web Site being presented within another Web Site is strictly forbidden. Unauthorized use of any patent, trademark, design right or copyright may be prosecuted to the fullest extent permitted by law. You may not use any data mining tools, robots, or similar data gathering and extraction instruments on the Web Site or any part thereof and may not circumvent any mechanisms included in the Web Site for preventing the unauthorized reproduction or distribution of any part thereof.
Termination. Your right to use, access or participate in the Web Site and any information or software contained or referred to therein shall automatically terminate if you violate these terms and conditions. We reserve the right, in our sole discretion, to terminate your use of, access to or participation in all or part of the Web Site for any reason, with or without notice. Notwithstanding any termination of your rights, you shall continue to be obliged to comply with these terms and conditions and following any termination your obligations with regard to the use of, access to or participation in the Web Site shall subsist.
Assignment. These terms and conditions shall inure and be binding upon the successors and assign of the parties hereto. You are not allowed to assign or transfer any of your rights or obligations under these terms and conditions. We reserve the right to assign or transfer the Web Site or any information or software contained or referred to therein to any third party without notice and without imposing terms to your benefit.
Entire agreement and severability. These terms and conditions constitute the entire agreement between you and us with respect to the subject matter herein and supersede any and all prior or contemporaneous oral or written agreements. If any part of these terms and conditions is held invalid or unenforceable, that part shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties and the remaining parts shall remain in full force and effect.
Competent courts and applicable law. Any and all disputes regarding the provision of, use of, access to or participation in Web Site or any information or software contained or referred to therein shall be submitted to the non-exclusive jurisdiction of the Courts of Malta, at our option and to our benefit. These terms and conditions shall be governed by and interpreted in accordance with the laws of Malta excluding any conflicts of law provisions which would, but for their exclusion, prevent the applicability of the laws of Malta. You agree that hereby you are waiving any claims that you might otherwise have had based on the laws of any other jurisdiction.
Please use the appropriate contact details in our contact page to contact us regarding any request, suggestion, complaint, claim or otherwise in relation to the provision of the Web Site and any information or software contained or referred to therein.
These terms and conditions have last been updated on 12 August 2019.
Who we are
Our website address is: http://firstcapitalbank.co.zm
First Capital Bank Limited (First capital Bank) are committed to protecting and respecting your privacy, which includes any items of personal data which altogether could constitute the personal information that you may choose to provide us.
This policy (together with our Terms and Conditions) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting www.firstcapitalbank.co.mw you are accepting and consenting to the practices described in this policy.
We will process all your Personal Information in accordance with applicable data protection law.
To demonstrate our commitment to your privacy, we have prepared this statement disclosing our privacy practices. This statement describes what personal identifying information is collected, how and when we might use your information, how we protect your information, who has access to your information, and how you can correct any inaccuracies in the information.
Information We Receive
We collect certain information from and about our visitors in four ways: from our web server logs, by means of cookies, with the assistance of third party marketing technologies provided by reputable service providers or vendors and directly from you.
Web Server Logs
When you visit our Website, we may track information to administer the site and analyze its usage. With each visit we may automatically collect the following information:
- Technical information: including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type, and version, time zone setting, browser plug-in types and versions, operating system and platform;
- Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Site (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our customer service number.
Cookies are small text files stored on your computer by your browser. They are used for many things, such as remembering whether you’ve visited the site before so that you remain logged in – or to help us work out how many new website visitors we get each month. Cookies do not include Personal Information about you, they cannot harm your computer and do not contain any viruses.
- Certain cookies are essential to the proper function of this site;
- We do not track your personal activities when you’re not on this site;
- We use analytics cookies to help us understand what content is most useful to our visitors.
Types of Cookies
- Analytics: We track site traffic patterns to identify popular site content and potential site problems;
You can choose to have your computer warn you each time a cookie is being set, or you can choose to turn off all cookies; you do this through your browser settings. Each browser is a little different, so look at your browser’s ‘Help Menu’ to learn the correct way to modify your cookies. If you turn cookies off, you will not have access to many features that make your experience more efficient and some of our services will not function properly. Blocking or deleting cookies from the site may prevent you from using the site.
Third Party Technologies
We use Google services (Analytics, Remarketing, Display). You can read about how Google uses data when you use our sites or apps here https://policies.google.com/privacy. We use Remarketing with Google Analytics to advertise online. Third-party vendors, including Google, may show our ads on sites across the Internet. We and third-party vendors, including Google, use first-party and third-party cookies together to inform, optimize, and serve ads based on a person’s past visits to our website. You are able to opt out from all this here.
We use MailChimp (Email Alerts, Contact Management & Marketing) to stay in contact with others, including creating, sending, and managing emails and other information related to Subscribers. You can read about how MailChimp uses data when you use our sites or apps here.
Information Supplied By You
Any information submitted to us during a Support issue will only be made available to us.
Use Of Your Personal Information
We will use the information you give to us to:
- carry out our obligations arising from any contracts entered into between you and us and to provide you with the information that you request from us;
- to ensure that content from our site is presented in the most effective manner for you and for your computer.
We will use Personal Information we collect about you to:
- administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
- to improve our site to ensure that content is presented in the most effective manner for you and for your computer;
- as part of our efforts to keep our site safe and secure;
Sharing Of Identifiable Information
We will share your Personal Information as required by law or by the order of any competent court or (semi-)governmental authority or in matters of public safety or policy. Under strict conditions of confidentiality, we may share your Personal Information with agents and contractors who use it on our behalf or in connection with their relationship with us. We will also share your Personal Information as may be needed in connection with the enforcement of agreements.
We may provide summary statistics about our interests and preferences of visitors to our web site, traffic patterns, and related site information. These statistics do not include personally identifiable information.
We use technical security measures to prevent the loss, misuse and alteration of information under our control and information about our subscribers and their web site usage are maintained in a secure environment. Information about our subscribers and their web site usage is not shared with third parties for marketing purposes. We do not disclose any information about any subscriber’s usage of our web site except in specific cases, and we do not share information with any unaffiliated third parties for marketing purposes unless you expressly give us permission to do so.
Where We Store Your Data
All Personal Information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your Personal Information, we cannot guarantee the security of your data transmitted to our Site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.
Access To Your Information
The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act by sending an email to firstname.lastname@example.org.
If you don’t want to receive promotional materials from us, you can opt out at any time by sending an email to email@example.com.