Terms & Conditions

Terms and Conditions

These Terms and Conditions (“Agreement”) govern the use of the website www.pob.com.sb  and the services provided by POB. By accessing or using this Site, you agree to comply with and be bound by the terms outlined in this Agreement. If you do not agree to these terms, you should not use this Site or any of its services.

1. Use of the Site

The Site is intended for individuals who are eligible to access the financial products and services offered by the Bank. By using the Site, you agree to:

• Use the Site for lawful purposes only and in compliance with all applicable laws and regulations.
• Provide accurate, current, and complete information when required.
• Not engage in any conduct that may disrupt or interfere with the functioning of the Site.

2. Account Access and Security

In order to access certain services on the Site, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to:

• Notify us immediately if you believe your account has been compromised or there has been unauthorized use of your account.
• Be responsible for all activities that occur under your account, whether or not authorized by you.

3. Eligibility

To use the Site and access our services, you must meet the following eligibility criteria:

• You must be at least 18 years old or the age of majority in your jurisdiction.
• You must be a resident of a jurisdiction where the Bank is authorized to offer services.

4. Services Provided

The Bank offers various financial services, including but not limited to:

• Account management
• Loans and credit services
• Investment products
• Payment services

Specific terms, conditions, and fees associated with these services are outlined in separate agreements or disclosures that will apply in addition to these Terms and Conditions.

5. Fees and Charges

Certain services offered on the Site may be subject to fees or charges. The applicable fees will be clearly disclosed on the Site or in separate agreements before you proceed with any transactions. By using such services, you agree to pay all applicable fees as outlined in these disclosures.

6. Privacy and Data Protection

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Site, you consent to the practices outlined in our Privacy Policy.

7. Intellectual Property

The content on the Site, including but not limited to text, graphics, logos, images, software, and trademarks, is owned by the Bank or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, modify, distribute, or use any part of the Site for commercial purposes without our prior written consent.

8. Disclaimers

• No Warranties: The Site and all content, services, and products available on the Site are provided “as is” and without warranties of any kind, either express or implied. We do not warrant that the Site will be error-free, uninterrupted, or secure.
• No Financial Advice: Any information provided on the Site is for informational purposes only and should not be considered as financial or investment advice. You should consult with a qualified professional before making financial decisions.

9. Limitation of Liability

To the fullest extent permitted by law, the Bank will not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use or inability to use the Site, or from any content, materials, or services obtained through the Site. This includes, but is not limited to, damages for loss of profits, data, or goodwill.

10. Indemnification

You agree to indemnify, defend, and hold harmless the Bank, its affiliates, officers, employees, and agents from and against any and all claims, losses, liabilities, damages, and expenses (including legal fees) arising from your use of the Site or your violation of these Terms and Conditions.

11. Third-Party Links

The Site may contain links to third-party websites or resources. We are not responsible for the content, privacy practices, or availability of these external sites. You acknowledge and agree that the Bank is not liable for any damage or loss caused by your use of third-party websites.

12. Termination

We reserve the right to suspend or terminate your access to the Site or any services provided by the Bank at any time, without notice, for any reason, including but not limited to your breach of these Terms and Conditions.

13. Amendments

The Bank may modify or update these Terms and Conditions at any time, with or without notice. Any changes to the Terms and Conditions will be posted on this page with an updated “Effective Date”. By continuing to use the Site after such changes, you agree to be bound by the revised Terms and Conditions.

14. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Solomon Islands, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Solomon Islands for any disputes arising out of or relating to these Terms and Conditions or your use of the Site.

15. Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect.

17. Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us at:

POB
PO Box 2294, Level 1, Hyundai Mall, Mendana Avenue, Honiara, Solomon Islands
+67727762
Contact@pob.com.sb