These conditions become effective when you access the site for the first time. The conditions constitute a binding agreement between Rand Merchant Bank Nigeria Limited (RMB Nigeria), a member of the FirstRand Group and yourself. The current version of these conditions governs our respective rights and obligations each time you access this site.
2. Nature of information on the site
All information on this site is purely intended to provide you with general information about us. Nothing contained herein constitutes an offer or agreement to enter into any transaction, nor does it constitute guidance, a proposal or recommendation to enter into any transaction.
All information is provided "as is" and should not be treated as professional or investment advice of any kind. You should consult your own professional advisers before relying on any information on this site. This website may contain views or opinions that are not necessarily those of RMB Nigeria.
3. Information feeds
We may use the services of other organisations to provide information on the site. We have no control over this information and make no representations nor warranties of any nature as to its accuracy, appropriateness or correctness. You agree that such information is provided "as is" and we will not be directly or indirectly liable for any damages that may arise from your reliance on it.
4. Linked sites
This site may contain links to other websites. While we try to provide links only to reputable websites, we cannot accept responsibility nor liability for the information provided on other websites. Where you access a third-party website, you do so at your own risk.
5. Permission for hyperlinks, deep linking, crawlers and metatags
Nobody may establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as linking), to this site nor any subsidiary pages without our prior written approval. This may be withheld or granted subject to the conditions we specify from time to time.
An application for linking must be submitted to firstname.lastname@example.org. Once received we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within five business days, consider your request as having been rejected.
Breach of these conditions entitles us to take legal action without prior notice to you and you agree to reimburse the costs associated with such legal action to us.
6. Online products and services
Where online products and services are offered, these online products and services are governed by separate terms and conditions. In the event of a conflict between these conditions and the online terms and conditions, the online terms and conditions will prevail.
7. Amendments to Terms and Conditions
We may amend these terms and conditions from time to time. By accessing the site you are bound by the version applicable at the time you access the site.
A certificate signed by the administrator responsible for maintaining this site will be prima facie proof of the date of publication and content of the current version.
A certificate signed by us will constitute prima facie proof of the operation or functionality of the online services or any part thereof and the contents of any information displayed on the site on a given date.
9. Our intellectual property
This website may contain information proprietary to RMB Nigeria/or FirstRand Limited (acting through its Rand Merchant Bank division) (RMB), and may not be reproduced nor disseminated in whole or in part without RMB Nigeria and FirstRand Limited's written consent. RMB Nigeria and FirstRand retain all copyright and other intellectual property rights in all material, including logos and other graphics and multimedia works published on or via the site.
Nothing on this site should be construed as granting any licence nor right to use any trademark without our prior written permission and/or that of third parties, as the case may be. You may not, without our prior written permission, use our intellectual property or that of third parties for any other purposes.
An application to use our intellectual property must be submitted to email@example.com. Upon receiving your application we will do our best to respond and enter into further discussions with you. If you don't get a written response from us within five business days, consider your request as having been rejected.
Irrespective of the existence of copyright, you acknowledge that we are the proprietor of all material on the site, whether it constitutes confidential information or not, and that you have no right, title nor interest in any such material.
10. Transmission of information
As we do not have the ability to prevent unlawful activities by unscrupulous persons, you accept that we cannot be held liable for any loss, harm or damage suffered by you as a result of such activities.
11. Termination, suspension and limitation
We may modify, suspend or discontinue the site, whether temporarily or permanently, without notice. We may also impose limits or conditions on the right to certain services, features or functions and we may restrict access to parts of or all of the services on the site.
12. No warranties nor representations
We do not warrant that the site will be error-free or will meet any particular criteria of accuracy, completeness or reliability of information, performance nor quality.
13. Disclaimer and limitation of liability
RMB Nigeria does not warrant that any information contained herein is complete or correct, and you shall not be entitled to place any reliance on the information contained in this website for any purpose.
We and our affiliates, shareholders, agents, consultants and employees are not liable for any damages whatsoever relating to your use of this site nor the information contained on this site nor your inability to use this site. This includes, without limitation, any direct, indirect, special, incidental, consequential or punitive damages, whether arising out of contract, statute, delict or otherwise and regardless of whether we were expressly advised of the possibility of such loss or damage.
For avoidance of doubt, we will not be liable for any interruption, malfunction arising from services provided by third parties, malfunction of our system, unlawful access to or theft of data, computer viruses or programming defects.
14. How disputes will be resolved
All disputes arising as a result of your use of the site or on the interpretation of these conditions or on any matter which in terms of the conditions requires agreement by the parties, (other than where an interdict is sought or urgent relief may be obtained from a court of competent jurisdiction), will be submitted to and decided by arbitration.
Said arbitration will be held with only the parties and their representatives present at the offices of the Arbitration Foundation of Southern Africa, Sandton, Gauteng, South Africa. The arbitration will be governed by the rules of the Arbitration Foundation in terms of South African law and will be heard by an arbitrator or arbitrators appointed by the foundation.
Either party will be entitled to have the award made an order of court of competent jurisdiction. The parties will keep the evidence in the arbitration proceedings and any order made by any arbitrator confidential unless otherwise contemplated. The arbitrator will have the power to give default judgment if any party fails to make submissions on the due date and/or fails to appear at the arbitration.
15. The law governing our relationship
The conditions will be governed and construed in accordance with the laws of the Republic of South Africa without reference to any conflict of law provisions.