Legal Information


These Terms of Use and other terms from time to time appearing on any webpage to or from which you are directed by the PIB Website apply to all users of as well with any other affiliated sites, applications or services accessed by or through the website (the “PIB Website”). These Terms of Use as well as the information contained on the PIB Website are subject to change at any time, from time to time, without notice. By accessing the PIB Website, you agree to be legally bound by the Terms of Use then in effect. Private Investment Bank Limited (“PIB” or “the Bank”) may add features to or remove features from the PIB Website at any time, from time to time in its sole discretion. Your continued access of the PIB Website following any modification of these Terms of Use will constitute your acceptance of the Terms of Use as modified.

If you do not agree to be bound by these Terms of Use, you should not use or continue to use the PIB Website.

Use of Information and Materials

Products and services displayed on the PIB Website may not be eligible for sale or available to persons resident or located in certain jurisdictions or to certain categories of investors. Please consult any applicable terms and conditions or a professional adviser for further information. Any materials, information or reports published, distributed or otherwise made available on the PIB Website is published for information purposes and is subject to change at any time without notice. Such information does not take into consideration specific investment objectives, financial condition or specific needs of any user or recipient of information and should not be construed as a solicitation, offer or recommendation to buy or sell any securities, investment or other financial instruments, to carry out any transactions or to conclude any legal act of any kind whatsoever. Unless specifically stated otherwise, all price information is indicative only. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the information or materials, nor are they a complete statement of the securities, markets or developments referred to herein. The materials should not be regarded by users or recipients as a substitute for the exercise of their own judgment. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or groups of PIB. PIB is not under any obligation to update or keep current the information contained herein nor to remove any outdated information from the PIB Website or to expressly mark it as being outdated.

Persons accessing the PIB Website are required to determine whether there are any legal or regulatory restrictions which apply and to observe any relevant laws, regulations and local practices whether in relation to those restrictions, or otherwise, and consider their own individual circumstances before acting on the said information.

The PIB Website and all information and functionalities contained within should not be regarded as an offer or solicitation to sell investments to any person in any jurisdiction to whom it is unlawful to make such invitation or solicitation nor is it directed at or intended for use by any person resident or located in any jurisdiction where (1) the distribution of such information or functionality is contrary to the laws of such jurisdiction or (2) such distribution is lawfully prohibited without the appropriate approvals.

PIB does not provide investment, legal or tax advice through the PIB Website and nothing herein should be construed as being financial, legal, tax or other advice. PIB does not represent that any securities or services discussed are suitable for any investor. No investment or other decisions should be made solely based on the contents or information found on the PIB Website. When making a decision about investments, you should seek the advice of a professional financial advisor or qualified expert.


Your use of the PIB Website is at your own risk. The PIB Website, together with all content, information and materials contained therein, is provided “as is” and “as available”, without any representations or warranties of any kind. Although PIB has taken particular care in preparing information and materials contained on this website, PIB does not warrant the accuracy, completeness or adequacy of such materials, information, content and functionalities herein. PIB expressly disclaims all representations or warranties of any kind, whether express, implied or statutory, including but not limited to warranties of title, non-infringement, merchantability or fitness for a particular purpose. Without limiting the foregoing, PIB does not warrant the accuracy, timeliness, completeness, security, reliability or availability of the PIB Website or the information or results obtained from use of the PIB Website, or that the PIB Website is virus-free or error-free.


You are solely responsible for acquiring and maintaining such electronic devices and equipment that can accommodate and will allow access and use of the PIB Website and for taking adequate and appropriate data security measures in accordance with good industry practice to protect yourself against fraud or cyber-attacks on a continuous basis. PIB specifically disclaims all liability for tampering with any user’s computer system by unauthorized parties, or for losses or liabilities suffered by any user arising from viruses or attacks by hackers.

To the fullest extent permitted by law, in no event shall PIB or its affiliates, or any of its directors, employees, contractors, service providers or agents have any liability whatsoever to any person for any direct or indirect loss, liability, cost, claim, expense or damage of any kind, whether in contract or in tort, including negligence, or otherwise, arising out of or related to the use of all or part of the PIB Website, or any links to third party websites. This disclaimer of liability applies to any and all damages or injury, including those caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft, destruction, or unauthorized access, whether for breach of contract, tortious behavior, negligence or under any other cause of action.

Copyright and Trademarks

PIB, or applicable third-party owners retain all right, title and interest (including copyrights, trademarks, patents, as well as any other intellectual property or other right) to the trade marks, logos and service marks displayed on the PIB Website and users are strictly prohibited from, without limitation, modifying, copying, transmitting, distributing, displaying, reproducing, publishing, transferring or otherwise using, in any other way, any information, material, images or software obtained from the PIB Website without the prior written consent of PIB or such other parties.

Electronic Communications

Information accessed using or sent by way of the Internet may neither be confidential nor secure. PIB will not be responsible for any damages incurred by you accessing the PIB Website, sending information to the Bank, or if the Bank sends information to you, at your request, over the Internet or otherwise by electronic means. In no event will PIB, its affiliates, or any of its officers, directors, employees, contractors, service providers or agents be liable for any incidental, special, punitive or consequential damages howsoever caused arising out of the use of the PIB Website, its content, or the inability to use the PIB Website. Due to the nature of the Internet, transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. PIB will not be liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.

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