These website terms and conditions of use govern your use of HBZ's website, www.habibbank.com. Please read
You are required to abide by HBZ's terms to access it's website www.habibbank.com. This site contains links,
pages, data and information of other country specific websites and pages owned and operated by HBZ
(incorporated in Switzerland), its subsidiaries and affiliates. By accessing this site and online services
and any pages thereof, you agree to be bound and indicate your acknowledgment and acceptance of these terms
If you do not agree or accept the terms and conditions below, do not access this web site and any other
related online services and pages.
1. Access, Use And Eligible Visitors
Although others may be able to access this website, it is not directed to or intended for distribution or
use by any person or entity in any country or jurisdiction where its access, use, publication, or
distribution may breach any local law or regulation. If you choose to access information on this website,
it is your responsibility to comply with applicable local, national and international laws and any use of
this website is entirely at your own risk. For guidance relating to your specific situation, you should
seek independent legal advice. From time to time, HBZ may restrict access to some parts of the website,
or its entire Website, to users who have registered with it.
HBZ reserves the right to withdraw or amend the products or services it provides on its website without
notice. Whilst HBZ makes every effort to ensure that the website is available at all times, given the
nature of the internet, it cannot guarantee this will always be the case or that the website will be
fault or error-free.
You are responsible for making all arrangements necessary for you to have access to this website. You are
also responsible for ensuring that all persons who access this website through your Internet connection
and login details are aware of these website terms and conditions of use, and that they comply with them.
You may use the website only for lawful purposes. You may not use the website or its contents:
- in any way that breaches any applicable local, national or international law or regulation or that is unlawful or fraudulent; or
- to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
You also agree not to access without authority, interfere with, damage or disrupt:
- any part of the website;
- any equipment or network on which the website is stored; or
- any software used in the provision of the website.
If the Bank considers that you are doing, or likely to do, anything which amounts to a breach of these
website terms and conditions of use or otherwise adversely affects this website, it may immediately
suspend your use of the website and/or any services which you use.
HBZ does not exclude or restrict, and nothing in these website terms and conditions of use should be read
or construed as excluding or restricting, any duty or liability under the rules and regulations of FINMA
or any other regulatory body under which HBZ, its subsidiaries or affiliates operate and conduct business
The information on this website is provided purely for general information purposes - it is not intended
to and does not constitute financial, accounting, tax, legal, investment, consulting or other professional
advice or services. Before making any decision or taking any action which might affect you or your business,
you should take appropriate advice from a suitably qualified person. HBZ disclaims all warranties, including
but not limited to the timeliness, accuracy and/or completeness of the information provided, and its
suitability for a specific objective.
Except as required by law, HBZ is not liable for any damage or loss whatsoever, whether in contract, tort
(including negligence) or otherwise arising from your use of or inability to access the website, or from
any interruption or delay in access to the website for whatever reason. HBZ does not guarantee that this
website will operate free of error or that it is free from computer viruses or any other contaminating
3. No Guarantee
The information contained in this web site including but not limited to the text, graphics, links, sounds,
pictures and any other information has been carefully obtained and analyzed by HBZ. HBZ has tried to provide
the best available, accurate and up to date information on the site. However HBZ does not furnish any
guarantee and does not offer any warranty (including liabilities towards third parties) in respect of
correctness, updating, completeness, of any or all information. The information on this website is provided
for general information only and should not be used as a basis for concluding opinions and business
decisions. HBZ does not guarantee in any way that the functions on its web site will not be interrupted or
that they are free of errors, that errors are rectified or that the site or the respective server is free
of viruses or any other detrimental elements.
HBZ does not accept any liability and will not be liable for any loss or damage arising directly or
indirectly from the use of this web site. The data, transactions and functions made available through this
web site may change from time to time or may be cancelled without any prior notice.
HBZ is not under any obligation to provide text, data and service(s) on the web site or any part of it at
all times or during particular hours. HBZ may withdraw, suspend, cancel, revoke or restrict the service
at its sole discretion.
4. Third Party Websites
The website may contain links to other websites which are not under the Bank's direct control. The Bank
does not accept any responsibility or liability for enabling you to link to any other website, for the
contents of any other website (or content referred to in or linked to such websites), for the security
of any other website, or for any consequence of your acting upon the contents of such website. This
Website must not be framed on any other website; nor is any third party permitted to link any other
website to this Website without obtaining the Bank's prior written consent.
Any hyper links within this site are for information purpose only and any opinion, explicit or implied
in news items through newspapers, magazines, periodicals, third party links, etc. are solely those of
the author, and do not necessarily represent those of HBZ.
5. Geographical Areas
Not all products and services are available in all geographical areas. You may not be eligible to request,
participate and use all products, functions and services described on this website.
Your eligibility to a particular product(s), function(s) and service(s) is subject to geographical areas
and to final acceptance and approval of HBZ.
6. No Offer
Nothing on this website should be taken as an offer by HBZ. All products and services are subject to the
relevant terms and conditions and to completion of the relevant application forms and other documentation.
HBZ reserves the right to reject any application for services and/or products contained in this website.
The contents of the web site(s) including, but not limited to it's logo, pages, text, graphics, links,
pictures, sounds, information and material therein are the property of HBZ and protected by copyright. Any
unauthorized use or link or reproduction of information, material and hPLUS proprietary software is
strictly prohibited. www.habibbank.com is owned by Habib Bank AG Zurich.
8. Intellectual Property
HBZ is the owner or the licensee of all intellectual property rights relating to the Website and in the
material published on it. These works are protected by intellectual property laws and treaties around the
world. The letter style and representation, the Lion & Sword logo and the Arabic calligraphic representation
are registered trademarks. The full content of this website (including all text, information, graphics,
animation and images) is subject to copyright, with all rights reserved. Any infringement of these rights
is prohibited. You may only download material from this website for your own personal use; any use for any
other purposes, or any alteration, transfer, sale, distribution or reproduction of the information,
publications or data is prohibited, regardless of the form in which or the means by which these are made
available on the website.
9. Use Of Information, Material And Services
Any or all information and material contained in these text, graphics, links, pictures, and pages are
subject to change without any prior notification. Any information or request or secure mail submitted to
HBZ through this site is deemed to be the property of HBZ. The information and opinion disclosed on the
web site is neither an invitation nor an offer to purchase or invest nor an invitation or an offer to
perform a transaction.
If you breach these website terms and conditions of use and HBZ takes no action, HBZ will still be
entitled to use its rights and remedies in other situations where you are in breach.
HBZ may revise these website terms and conditions of use at any time by amending this page. You are
expected to check this page from time to time to take notice of any changes HBZ makes, as they are
binding on you. Some of the provisions contained in these website terms and conditions of use may
also be superseded by provisions or notices published elsewhere on the website.
12. Entire Agreement
These website terms and conditions of use contain the entire agreement between you and HBZ relating to
your use of this Website.
The terms and conditions relating to this website and to all services provided through it are only
available in English, and the Bank shall only communicate with you in English.
14. Company And Regulatory Information
Habib Bank AG Zurich's registered head office is at Weinbergstrasse 59, 8006 Zurich, Switzerland, and
it is regulated by the Swiss Financial Market Supervisory Authority (FINMA), Einsteinstrasse 2, 3003
NOTE: To find about HBZweb security, refer to he "security advisory" section on the
online login page.