TERMS & CONDITIONS

General terms and conditions of use

Please read these terms and conditions carefully. All users of the Gibraltar International Bank Limited (GIB) website accept and agree to be bound by the terms set out herein. If you do not accept these terms and conditions, please do not use the website. Users should also read carefully GIB’s General Terms & Conditions.

It is important that you are aware that the information on this site is not to be construed as an offer to buy or sell or a solicitation of an offer to buy or sell financial instruments or for GIB to accept any business nor commence a banking relationship with you.

Please note that this site is designed for and maintained by GIB.

The information on our website may be modified without prior notice and this also applies to our recommendations. Additionally, GIB shall not be obliged to remove any outdated information from the website or to expressly mark it as being outdated.

Copyright

The contents of this website are subject to copyright with all rights reserved by GIB. Downloading or copying will not transfer the title to any software or material. Users are welcome to download or print out a hard copy of individual pages and/or sections of this site for personal use only, provided no copyright or other proprietary notices are removed.

Warranty and liability

All information contained on the GIB website is provided without warranty, undertaking or representation of any kind, express or implied. Whilst GIB make every effort to ensure that the information, including information based on statutes or other legislative or regulatory instruments, given in this website is up to date, it is not possible to guarantee that this is the case.

If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

Exclusion of liability

In no event, including (without limitation) negligence, will GIB be liable for any loss or damage of any kind, including (without limitation) any direct, special, indirect or consequential loss, even if expressly advised of the possibility of such loss, arising out of or in connection with the access of, use of, performance of, browsing in this website or linking to other sites from the GIB website.

To the extent that statements contained in this website are based on information provided by third parties we shall not be liable for any loss resulting from reliance upon those statements.

Access to and use of this website is at the user's own risk and GIB does not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software. Furthermore, no liability is accepted in respect of loss or damage arising out of changes made to the content of this website by unauthorised persons.

Local legislation

Products and services described on this website may not always be available to all investors; for instance these products and services cannot always be made available to residents outside the European Union and are not available to residents of the United States of America.

Our services are not offered to any person in any jurisdiction where their advertisement, offer or sale is restricted or prohibited by law or regulation or where we are not appropriately licensed.

Advice

The contents of this website do not purport to provide any financial, investment or professional advice and shall not be deemed to constitute the provision of financial, investment or other professional advice in any way on the part of GIB. In particular but without limitation, save as may be expressly agreed in writing, GIB does not hold itself out as providing advice on the suitability of accounts, products or services for you.

Governing law

The terms and conditions of use of this website are governed by the laws of Gibraltar and any dispute regarding this website or arising as a result of the use of this website shall be subject to the exclusive jurisdiction of the Courts of Gibraltar.

COOKIE POLICY

Last Updated: May 2018

As described in our Privacy Policy, for general web-browsing of this website, your personal data is not revealed to us, although certain statistical information is available to us via our internet service provider as well as through the use of special tracking technologies. Such information tells us about the pages you are clicking on or the hardware you are using, but not your name, age, address or anything we can use to identify you personally.

This Cookie Policy sets out some further detail on how and why we use these technologies on our website. The terms "GIB", "we", "us", and "our" means Gibraltar International Bank. The terms “you” and “your” includes our clients, business partners and users of this website. By using our website, you consent to storage and access to cookies and other technologies on your device, in accordance with this Cookie Policy.

What are cookies?

Cookies are a feature of web browser software that allows web servers to recognize the computer or device used to access a website. A cookie is a small text file that a website saves on your computer or mobile device when you visit the site. It enables the website to remember your actions and preferences (such as login, language, font size and other display preferences) over a period of time, so you don't have to keep re-entering them whenever you come back to the site or browse from one page to another.

What are the different types of cookies?

A cookie can be classified by its lifespan and the domain to which it belongs.

By lifespan, a cookie is either a:

  • session cookie which is erased when the user closes the browser; or persistent cookie which is saved to the hard drive and remains on the user's computer/device for a pre-defined period of time.

As for the domain to which it belongs, cookies are either:

  • first-party cookies which are set by the web server of the visited page and share the same domain (i.e. set by us); or third-party cookies stored by a different domain to the visited page's domain.

What cookies do we use and why?

We list all the cookies we use on this website in the APPENDIX below. They include cookies set by GIB via our web developers (first-party cookies), and those set by others (third-party cookies). We use session and persistent cookies on our website.

Cookies are also sometimes classified by reference to their purpose. We use the following cookies for the following purposes:

Strictly necessary cookies: These are cookies that are required for the operation of our website. They include, for example, cookies that allow us to comply with legal obligations. Analytical/performance cookies: they allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it, as well as dates and times they visit. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

Functionality cookies: these are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences for example, your choice of language or region. Targeting cookies: these cookies record your visit to our website, the pages you have visited and the links you have followed, as well as time spent on our website, and the websites visited just before and just after our website. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

In general, we use cookies and other technologies (such as web server logs) on our website to enhance your experience and to collect information about how our website is used. This information is put together (‘aggregated’) and provides general and not individually specific information. None of this information is therefore associated with you as an individual and the cookie-related information is not used to identify you personally. It is therefore anonymised and ‘de-identified’. The pattern data is fully under our control and these cookies are not used for any purpose other than those described here.

We will retain and evaluate information on your recent visits to our website and how you move around different sections of our website for analytics purposes to understand how people use our website so that we can make it more intuitive. The information also helps us to understand which parts of this website are most popular and generally to assess user behaviour and characteristics to measure interest in and use of the various areas of our website. This then allows us to improve our website and the way we market our business.

This information may also be used to help us to improve, administer and diagnose problems with our server and website. The information also helps us monitor traffic on our website so that we can manage our website's capacity and efficiency.

Other Technologies

We may allow others to provide analytics services and serve advertisements on our behalf. In addition to the uses of cookies described above, these entities may use other methods, such as the technologies described below, to collect information about your use of our website and other websites and online services.

Pixels tags. Pixel tags (which are also called clear GIFs, web beacons, or pixels), are small pieces of code that can be embedded on websites and emails. Pixels tags may be used to learn how you interact with our website pages and emails, and this information helps us and our partners provide you with a more tailored experience.

Device Identifiers. A device identifier is a unique label can be used to identify a mobile device. Device identifiers may be used to track, analyse and improve the performance of the website and ads delivered.

What data are collected by cookies and other technologies on our website?

This information may include:

The IP and logical address of the server you are using (but the last digits are anonymised so we cannot identify you) the top level domain name from which you access the internet (for example .i.e., .com, etc.) the type of browser you are using, the date and time you access our website the internet address linking to our website.

This website also uses cookies to: remember you and your actions while navigating between pages; remember if you have agreed (or not) to our use of cookies on our website; ensure the security of the website; monitor and improve the performance of servers hosting the site; distinguish users and sessions; improving the speed of the site when you access content repeatedly; determine new sessions and visits; show the traffic source or campaign that explains how you may have reached our website; and allow us to store any customisation preferences where our website allows this

We may also use other services, such as Google Analytics (described below) or other third-party cookies, to assist with analysing performance on our website. As part of providing these services, these service providers may use cookies and the technologies described below to collect and store information about your device, such as time of visit, pages visited, time spent on each page of our website, links clicked and conversion information, IP address, browser, mobile network information, and type of operating system used.

Third party advertisers: we may work with advertisers, and advertising service providers to serve ads that may be relevant to you based on your inferred interests, location or other information collected about you, which may use a cookie or the technologies described below, placed by us or the third party (although we would not share any other information that identifies you with an advertiser) on our website, or on a third party website or online service. The placing of these technologies on your device may enable you to be identified across multiple websites and online services.

Google Analytics Cookies

This website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google").

We use Google Analytics to track your preferences and also to identify popular sections of our website. Use of Google Analytics in this way, enables us to adapt the content of our website more specifically to your needs and thereby improve what we can offer to you.

Google will use this information for the purpose of evaluating your use of our website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google.

In particular Google Analytics tells us your IP address (last 3 digits are masked); the number of pages visited; the time and duration of the visit; your location; the website you came from (if any); the type of hardware you use (i.e. whether you are browsing from a desktop or a mobile device); the software used (type of browser); your general interaction with our website; and your search history (if you decide to use the search bar at the top of our page).

As stated above, cookie-related information is not used to identify you personally, and what is compiled is only aggregate data that tells us, for example, what countries we are most popular in, but not that you live in a particular country or your precise location when you visited our website (this is because we have only half the information- we know the country the person is browsing from, but not the name of person who is browsing). In such an example Google will analyse the number of users for us, but the relevant cookies do not reveal their identities.

By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above. Google Analytics, its purpose and function is further explained on the Google Analytics website.

For more information about Google Analytics cookies, please see Google's help pages and privacy policy: Google's Privacy Policy and Google Analytics Help pages. For further information about the use of these cookies by Google click here.

What if you don’t agree to us monitoring your use of our website (even we don’t collect your personal data)?

Enabling these cookies is not strictly necessary for our website to work but it will provide you with a better browsing experience. You can delete or block the cookies we set, but if you do that, some features of this website may not work as intended.

Most browsers are initially set to accept cookies. If you prefer, you can set your browser to refuse cookies and control and/or delete cookies as you wish – for details, see aboutcookies.org. You can delete all cookies that are already on your device and you can set most browsers to prevent them from being placed. You should be aware that if you do this, you may have to manually adjust some preferences every time you visit an Internet site and some services and functionalities may not work if you do not accept the cookies they send.

Advertisers and business partners that you access on or through our website may also send you cookies. We do not control any cookies outside of our website.

If you have any further questions regarding disabling cookies you should consult with your preferred browser’s provider or manufacturer.

In order to implement your objection it may be necessary to install an opt-out cookie on your browser. This cookie will only indicate that you have opted out. It is important to note, that for technical reasons, the opt-out cookie will only affect the browser from which you actively object from. If you delete the cookies in your browser or use a different end device or browser, you will need to opt out again.

To opt out of being tracked by Google Analytics across all websites, Google have developed the Google Analytics opt-out browser add-on. If you would like to opt out of Google Analytics, you have the option of downloading and installing this browser add-on which can be found under the link: http://tools.google.com/dlpage/gaoptout.

Revisions to this Cookie Policy

On this website, you can always view the latest version of our Privacy Policy and our Cookie Policy. We may modify this Cookie Policy from time to time. If we make changes to this Cookie Policy, we will provide notice of such changes, such as by sending an email notification, providing notice through our website or updating the ‘Last Updated’ date at the beginning of this Cookie Policy. The amended Cookie Policy will be effective immediately after the date it is posted. By continuing to access or use our website after the effective date, you confirm your acceptance of the revised Cookie Policy and all of the terms incorporated therein by reference. We encourage you to review our Privacy Policy and our Cookie Policy whenever you access or use our website to stay informed about our information practices and the choices available to you.

If you do not accept changes which are made to this Cookie Policy, or take any measures described above to opt-out by removing or rejecting cookies, you may continue to use this website but accept that it may not display and/or function as intended by us. Any social media channels connected to GIB and third party applications will be subject to the privacy and cookie policies and practices of the relevant platform providers which, unless otherwise indicated, are not affiliated or associated with GIB. Your exercise of any rights to opt-out may also impact how our information and content is displayed and/or accessible to you on this website and on other websites.

APPENDIX

Table: Overview of cookies placed and the consequences if the cookies are not placed

Which company places the cookie

Name of cookie

Purpose(s) of cookie

Storage period of cookie

Consequences if cookie is not accepted

Website (GIB)

PHPSESSID

Remember visitor's actions while navigating between pages

During user session

User's actions won't be available for next visited page

Website (GIB)

cookiesDirective

Remember user's acknowledgement of cookie policy

1 year from set/update

Cookie message will display on website

Google Analytics (Google)

__utma

Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics.

2 years from set/update

User activity won't be tracked

Google Analytics (Google)

__utmt

Used to throttle request rate.

10 minutes

User activity won't be tracked

Google Analytics (Google)

__utmb

Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics.

30 mins from set/update

User activity won't be tracked

Google Analytics (Google)

__utmc

Not used in ga.js. Set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit.

End of browser session

User activity won't be tracked

Google Analytics (Google)

__utmz

Stores the traffic source or campaign that explains how the user reached the website. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics.

6 months from set/update

User activity won't be tracked

Google Analytics (Google)

__utmv

Used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.

2 years from set/update

User activity won't be tracked

Google Maps (Google)

SID, SIDCC, SAPISID, APISIS,

SSID, HSID, NID, PREF

Measure the number and behaviour of Google Maps users.

10 years

User activity won't be tracked