Terms of Service
Introduction
Welcome to the International Bank of Maharlika (IBM). By accessing or using our services, you agree to comply with and be bound by the following terms and conditions. Please read these terms carefully before using our services.
1. Acceptance of Terms
By using the services of IBM, you agree to these Terms of Service. If you do not agree to these terms, please do not use our services.
2. Eligibility
To use our services, you must be at least 18 years old and capable of forming a legally binding contract. By using our services, you represent and warrant that you meet these requirements.
3. Account Registration
3.1. To access certain services, you may need to create an account with IBM. 3.2. You agree to provide accurate, current, and complete information during the registration process. 3.3. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
4. Services Provided
4.1. IBM offers a range of financial services including, but not limited to, personal banking, corporate banking, wealth management, and international banking. 4.2. The specific terms and conditions for each service are provided at the time of registration for that service.
5. Use of Services
5.1. You agree to use our services only for lawful purposes and in accordance with these terms. 5.2. You agree not to use our services for any unauthorized or fraudulent activity. 5.3. IBM reserves the right to suspend or terminate your access to our services if you violate these terms or engage in any prohibited activity.
6. Fees and Charges
6.1. IBM may charge fees for certain services. These fees will be disclosed to you at the time of registration for the specific service. 6.2. You agree to pay all fees and charges associated with your use of our services in a timely manner.
7. Privacy
Your use of our services is subject to our Privacy Policy, which is incorporated into these Terms of Service by reference. Please review our Privacy Policy to understand our practices regarding your personal information.
8. Intellectual Property
8.1. All content and materials available on our website and through our services, including but not limited to text, graphics, logos, and software, are the property of IBM or its licensors and are protected by intellectual property laws. 8.2. You agree not to reproduce, distribute, or create derivative works of any content or materials without our express written permission.
9. Disclaimers and Limitation of Liability
9.1. Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied. 9.2. IBM does not guarantee that our services will be uninterrupted or error-free. 9.3. To the fullest extent permitted by law, IBM shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services.
10. Indemnification
You agree to indemnify and hold harmless IBM, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of our services or your violation of these terms.
11. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law principles.
12. Changes to Terms of Service
IBM reserves the right to modify these Terms of Service at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our services after any changes to these terms will constitute your acceptance of the revised terms.