FNBM Online Banking is brought to you by First National Bank Moçambique S: A ("us", "we", "the Bank"), an authorised Financial Services Provider.

These terms and conditions as amended from time to time ("the Terms") govern our respective rights and obligations when you use FNBM Online Banking and come into effect when you register for FNBM Online Banking or once you access FNBM Online Banking, whichever occurs first.

By making use of FNBM Online Banking, you acknowledge that you have read, understood and agree to most recent version of the Terms that you have read, understood and agree to our Privacy Policy (found on our website) and you consent to us collecting, processing, storage and sharing certain of your personal information within the Bank in the ordinary course of our business of providing the FNBM Online Banking Services to you.

All products and services provided by the Bank are subject to their own terms and conditions ("product agreements") such as your debit card terms and conditions ("bank card terms") as well as account or facility terms and conditions ("other terms") and your use of those products and services will also be subject to those additional bank card terms and other terms.

These Terms (governing the use of FNBM Online Banking) must be read together with and form part of each product agreement. In the event of conflict between these Terms and the bank card terms, the provisions of the bank card terms or other terms will prevail to the extent of the conflict.

We reserve the right, in our sole discretion to amend (including without limitation, by the addition of new terms and conditions) these Terms at any time and from time to time.

For convenience only, the date on which these Terms were last amended is shown below the main heading of these Terms.

For security, identification and verification purposes, when using FNBM Online Banking, you will make use of a variety of access codes for different purposes, such as your confirmation code, User ID and Password. These are all called your "access codes".

You are responsible for maintaining the confidentiality and secrecy of your access codes secret. Only you may use your access codes. Do not keep your access codes together with other FNBM Online Banking documents.

If you call the FNBM Online Banking helpline, we may, for the purposes of identification and verification, request certain information such as your account or card number. However, there will never be a reason for the FNBM Online Banking helpline or any of our staff, to request or know your Password.

If you believe your access codes have been compromised, you must immediately contact the FNBM Online Banking helpline on 800 014 014 and request that they deactivate your access codes. You must keep any reference number given to you by the FNB Online Banking helpline as verification of your notification to us of any such compromise.

Until you notify us to deactivate your access codes we will not be responsible or liable for any transactions that are performed without your knowledge or consent and you hereby indemnify us from any loss and damages you suffer as a result.

FNBM will not under any circumstances be liable for any loss or damages you may suffer as a result of a compromise of your access codes through your actions, negligence and/or behavior.

We are committed to ensuring the security of your use of FNBM Online Banking and are entitled to investigate any loss suffered by you which is alleged to have occurred as a result of fraud via the website. Such investigation may include a forensic audit of your personal computer and / or any other electronic tool used for online banking by yourself. You therefore, without any limitation, authorise FNBM to conduct a forensic audit on your personal computer and / or any other electronic tool you may have used for online banking, which audit will be confined to the purposes of this agreement.

Where you have been a victim of an FNBM Online Banking fraud, you must inform us immediately as soon as you become aware that a suspicious transaction has occurred on your accounts and open a case at your nearest Mozambican Police Service office. You will also be required to co-operate with us and the Mozambican Police Service in any investigation conducted into losses that you suffered as a result of such FNBM Online Banking fraud.

Before you can use FNBM Online Banking, you must complete an application form at your nearest branch. You will be assigned a secure username, password and a confirmation code.These will be forwarded to you via secure e-mail at different times. Once you have received these,visit the homepage of the website and login. You will not be able to transact until such time as your details have been validated by the Bank. For more information visit our website or call the FNBM Online Banking helpline on 800 014 014.

Because we communicate through the Internet, you agree that we are entitled to assume that you have authorised all transactions once your access codes have been entered. This will not apply once we receive notification from you to disable access to your accounts as a result of your access codes having been misplaced or lost or stolen and you have a reference number as verification of such notification. Our records of your transactions will be proof of any instruction you have given us, unless you can prove the contrary.

You are responsible for giving correct information and instructions when registering for FNBM Online Banking and when conducting transactions on the website.

We do provide you with an opportunity to review the entire transaction, to correct any mistakes and to withdraw from the transaction, before finally submitting any transaction. We will try to assist you if you make a mistake when giving us an instruction, but we will not be responsible for any loss or damage caused by your error. We will also not be liable for payments made by you to unintended recipients due to the input of incorrect information, nor are we responsible for the verification of the identity of recipients. We cannot reverse or duplicate any erroneous payments you make to other accounts without the specific consent of the accountholder. We will not be liable for any act or omission on the part of any institution where such other account is held.

You must log off the website once you have finished using FNBM Online Banking. If you fail to do so, unauthorised transactions may be conducted, for which we will not be liable.

We may end your use of and access to FNBM Online Banking at any time, for any reason whatsoever, on reasonable notice to you. Instructions given to us and not yet carried out prior to such termination will not be affected by such termination. We will however, terminate your use of and access to and/or prohibit your future access to use of FNBM Online Banking immediately and without any notice to you if:

• we determine in the exercise of our discretion that your behaviour was inappropriate, illegal or constituted misconduct;
• you breach these Terms;
• a fraudulent transaction is conducted (or attempted) directly or indirectly by you. In the event of us terminating your access to FNBM Online Banking, we will not be liable for any losses or damages, of any nature, suffered by you or a third party. Our rights in this regard are expressly reserved. You may terminate your use of FNBM Online Banking by contacting the FNBM Online Banking helpline on 800 014 014;

We respect your privacy and your personal information. For this reason, we have a Privacy Policy (the terms of which are incorporated into these Terms) to let you know how we will treat any personal information that we collect, collate, process, disclose or store have about you. We will take all reasonable measures, in accordance with our Privacy Policy, to protect your personal information and to keep it confidential, even when you are no longer our customer. If you call our helpline you permit and hereby consent to us to recording your calls for security reasons, and for the purposes of customer care.

Information that is transmitted over the Internet or via other networks (wireless or otherwise) may be subject to interception. While we will take all reasonable precautions to ensure that FNBM Online Banking is secure, we shall not be liable for any loss or damage you suffer as a result of your use of FNBM Online Banking. You acknowledge that you have read and understood the security tips in the Security Centre (found on our website) which we publish on the website and that you shall take the precautions mentioned therein. If you want to prevent others from reading email we send you, you must set up your own password protection on your system at home or work. Please visit our Security Centre (found on our website) for more information. 

You expressly give your consent for us to monitor your internet and e-mail traffic on our website. You acknowledge that we monitor internet and e-mail traffic on the website primarily to ensure that users and consumers are not acting illegally, unlawfully or in breach of these Terms and:

• to maintain the integrity and security of our website and information technology systems;
• to investigate and detect any unauthorised use of our website and information technology systems; and
• as an inherent part of and to secure the effective operation of our website and information technology systems;

To the fullest extent permissible by law, no warranties, whether express or implied, are made of any kind in respect of FNBM Online Banking including in respect of the performance, quality, security, content, information, availability, accuracy, safety or reliability of FNBM Online Banking.

Although we have taken reasonable care to prevent harm or loss to you, you agree that we and our , shareholders, agents, consultants or employees (in whose favour this constitutes a stipulation for the benefit of another) are not liable for any direct, indirect, special, incidental or consequential damages or loss of any kind whatsoever or howsoever caused (whether arising under contract, delict or otherwise and whether the loss was actually foreseen or reasonably foreseeable) arising as a result of your use of or inability to use FNBM Online Banking unless such loss or damage arises from our gross negligence or willful intent. You furthermore indemnify us against any damages, liability, claims or demand by third parties or loss suffered by us arising from your use of FNBM Online Banking or your breach of these Terms.

For your convenience, this website may contain links to other websites belonging to or operated by third parties ("third party websites"). By making the hyperlinks available we are not endorsing third party websites, their content, products or services they offer or the owners of these third party websites. It is your responsibility to ensure that you obtain all information relevant to making a decision and that you read the privacy and security policy on such third party websites. We have no control over such third party websites and will not be liable for any loss or damage you suffer, whether directly or indirectly, as a result of your use of third party websites. You agree that where you access third party websites, you do so entirely at your own risk. 

The content on FNBM Online Banking, including all registered and unregistered trade marks, constitutes our intellectual property rights. You may not copy, reproduce, display or use any intellectual property in any manner whatsoever without our prior written permission and nothing contained on this website should be construed as granting any licence or right of use of any intellectual property. You may not establish a hyperlink, frame, meta tag or similar reference, whether electronically or otherwise ("linking") to this website or any other subsidiary pages without our prior written consent, which consent is at our sole discretion. You may apply to establish such a link by submitting your request to info@FNB.co.za. In the event that you have not heard from us within 5 (five) working days, please consider your request as having been rejected. 

You agree that our publishing a notice on our website or sending you a notice once you log into FNBM Online Banking, email, SMS or post will constitute sufficient notice to you. Should you fail to raise an objection with us within 5 (five) hours after we send you a notice (including by SMS) confirming a transaction or the changing of any setting on your accounts, you will be deemed to have accepted the transactions or new setting as being valid and binding in all respects. 

FNBM Online Banking may be unavailable from time to time due to routine maintenance or emergency repairs or because of the unavailability of any electricity, telecommunication system or networks. For the duration of such unavailability you must use our other available banking channels. 

Whenever a reference is made to a payment or transfer being processed during business hours, the following applies: BUSINESS HOURS (Weekdays) 08h00 - 16h00 BUSINESS HOURS (Saturdays) 08h00 - 14h00 AFTER HOURS All other times.

We may discontinue providing FNBM Online Banking or any of the products or services offered via the website at any time at our sole discretion. We will however, notify you of this within a reasonable time of these changes being made.

If you wish to lodge a complaint, please notify us in writing of this by completing our Feedback form found on our website ?Talk to us?. We will provide you with a reference number as soon as possible after we receive your Feedback Form. We will respond to your complaint as soon as possible. If you do not hear from us within 5 (five) working days from sending your complaint we request that you contact us at 800 014 014 to check whether your complaint has been received.

We both agree that these Terms shall be governed by and construed and interpreted in accordance with the laws of Mozambique notwithstanding the fact that an instruction may have emanated from outside Mozambique. Accessing FNBM Online Banking from another country may be an offence in that country. You agree that use of FNBM Online Banking outside Mozambique will be at your own risk. 

In using the website and FNBM Online Banking you represent and warrant that you are of full legal age, are emancipated or have your guardian's consent and assistance and have the required legal capacity to enter into and be bound by these Terms or any other product agreement regarding your use of the website and FNBM Online Banking. 

The headings appearing in these Terms are inserted for convenience only and will not be taken into account when interpreting these Terms. Where dates and times need to be calculated in terms of these Terms, the international standard time (GMT) plus 2 (two) hours will be used. The indulgence, extension of time, waiver or relaxation of any of the provisions or terms of these Terms, or failure or delay on our part to exercise any of our rights will not operate as an estoppel against us nor shall it constitute a waiver by use of such right. We shall not thereby be prejudiced or stopped from exercising any of our rights against you which may have arisen in the past or which might arise in the future. A certificate issued by our website administrator will serve as proof of which version of these Terms as applied to your use of FNBM Online Banking at a specific date. Any provision in these Terms which is or may become illegal, invalid or unenforceable shall be ineffective to the extent of such prohibition or unenforceability and shall be treated as if it were not written and severed from these Terms, without invalidating the remaining provisions of these Terms. 

© 2010 FNB Moçambique S.A.