Please read this Agreement carefully before accessing I&M Bank Rwanda website.

It contains liability exclusions and limitations and other important provisions.

If you agree to the terms and conditions set forth below, please select the appropriate button at the bottom of the page and click the submit button to proceed.

By acknowledging reading this instruction given to you and using the website, you acknowledge and signify that you have read, and understood this Agreement, received adequate explanations of the nature and scope of your obligations hereunder and agreed to be bound by this Agreement.

If you do not agree with all of the provisions of this Agreement, do not access the Website and do not use online services.

Modification

I&M Bank Rwanda reserves the right to change, modifies, add or remove any portion of this Agreement, in whole or in part, at any time in its sole and absolute discretion. Changes in this Agreement will be posted on I&M Bank Rwanda’s website.

Termination

I&M Bank Rwanda may change, suspend or discontinue any aspect of this website at anytime. I&M Bank Rwanda may also impose limits on certain features and services or restrict access to parts or all of the the I&M Bank Rwanda website without notice or liability.

I&M Bank Rwanda controls, owns and maintains this website from Rwanda and makes no representation that the material and information contained herein is appropriate or available for use in other locations/jurisdictions.

These terms and conditions are governed by Rwandan Law and any dispute shall be subject to the non-exclusive jurisdiction of the Rwandan courts. The distribution of this website’s material may be restricted by law in certain jurisdictions. It is your responsibility to find out what those restrictions are and observe them.

Products and services

The information and material on this website should not be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell investments, securities or any other instrument or banking product of I&M Bank Rwanda or any other issuer. Use of the products or services described at this website may not be permitted in some countries and if in doubt, you should check with your local regulator or authority before requesting further information.

This website does not constitute an offer on the part of I&M Bank Rwanda to provide products or services described therein to persons or entities resident in countries where local law or regulation does not permit their use.

Products and services are available only at the discretion of I&M Bank Rwanda, subject to the individual contractual terms and conditions on which those products and services are offered. These products and services may be withdrawn or amended at any time without notice.

Disclaimer

I&M Bank Rwanda makes no representation or warranty of any kind, whether express, implied or statutory regarding this website or the material and information contained or referred to on each page associated with this website. The material and information contained on this website are provided for general information only and should not be used as a basis for making business or investment decisions. Any information in this website should not be relied upon without consulting primary, more accurate or more up-to-date sources of information or specific professional advice, which we recommend you to obtain.

No warranty is given that economic reporting information or data is accurate, reliable or up to date. Geographic, political, economic, statistical, financial and exchange rate data are presented in certain cases in approximate, summary or simplified form and may change over time. Reliance has been placed by the editors on certain external statistical data which, though believed to be correct, may not in fact be accurate. I&M Bank Rwanda accepts no liability for any loss or damage arising directly or indirectly from action taken, or not taken, in reliance on material or information contained on this website.

I&M Bank Rwanda accepts no liability for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this website, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this website, its contents or associated services, or due to any unavailability of the website or any part thereof or any contents or associated services.

I&M Bank Rwanda accepts no liability for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) as a result of any computer viruses, Trojan horses, worms, software bombs or similar items or processes arising from your use of this website. Please note that you download any software or data from this website at your own risk.

I&M Bank Rwanda accepts no liability for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from the accuracy or otherwise of materials or information contained on the pages of such websites or loss arising directly or indirectly from defects with such websites. I&M Bank Rwanda’s inclusion of hyperlinks does not imply any endorsement of the material on such sites. Any hyperlinks from this website exists for the information purposes and are for your convenience only.

I&M Bank Rwanda does not guarantee that any e-mails from the website will be sent to you or received by I&M Bank Rwanda nor does I&M Bank Rwanda warrant the privacy and/or security of e-mails during internet transmission.

Use and disclosure of personal information

I&M Bank Rwanda respects your privacy and we are committed to keeping your personal information and other data confidential and secure.

In some places we specifically ask for your personal information (online products and job applicants).

We therefore commit to always treat your information as confidential. We will use good practices to keep it secure and will otherwise abide by the relevant data protection and privacy laws.

If you apply for products and services from I&M Bank Rwanda, we will use your information for the purposes of providing and operating the product or service you request and for other related purposes like: updating our records, conduct credit checking’s, handling queries and complaints, for compliance with laws etc…

When using your information for the purposes we may need to disclose it to our advisors, or Credit Reference Bureau. When this happen we will require the other parties to handle your information using the same level of care that we apply. We will not otherwise disclose your information to third parties unless we have your permission or we are under a legal obligation

Security

It is your responsibility to ensure that any user ID and/or password used by you in connection with this website or any service provided by means of this website is kept secure, and that no person or entity other than you obtains access to that user ID or password.

Intellectual property rights

All contents of this website including, but not limited to the text, graphics, links and sounds are the copyright of I&M Bank Rwanda Ltd and may not be copied, downloaded, distributed or published in any way without the prior written consent of I&M Bank Rwanda Ltd.

“I&M Bank Rwanda” and “I&M Bank Rwanda Bank” are registered trademarks and service marks of I&M Bank Rwanda Ltd and no permission or licence is granted to use any such trademarks or service marks without the prior written consent of I&M Bank Rwanda Ltd. All other marks names and logos used on this website (unless otherwise stated) are the intellectual property rights of I&M Bank Rwanda Ltd.

In relation to any information or material you submit to I&M Bank Rwanda using this website, you hereby grant to I&M Bank Rwanda a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such information or material for any purpose it deems appropriate including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law.

You agree that I&M Bank Rwanda shall not be under any obligation of confidentiality to you regarding any such information or material submitted to it using this website unless agreed otherwise in a separate direct contract between you and I&M Bank Rwanda or required by law.

Applicability

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 website.

Copyright © I&M Bank Rwanda Ltd 2012. All rights reserved.