Terms of service,
clearly stated.

We employ the use of cookies. By using the Banks4All website you consent to cookies in accordance with our Privacy Policy.

Most modern interactive websites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable functionality and ease of use. Some affiliate and advertising partners may also use cookies.

Unless otherwise stated, Banks4All and/or its licensors own the intellectual property rights for all material on this website. All intellectual property rights are reserved. You may view and/or print pages for your own personal use, subject to the restrictions in these terms.

1. This Agreement shall begin on the date hereof.
2. Certain parts of this website offer the opportunity for users to post and exchange opinions, information, material, and data ("Comments"). Banks4All does not screen, edit, publish, or review Comments prior to their appearance on the website. Comments do not reflect the views or opinions of Banks4All, its agents, or affiliates — they reflect the view and opinion of the individual who posts them. To the extent permitted by applicable law, Banks4All shall not be responsible or liable for any Comments, or for any loss, cost, liability, damages, or expenses arising from any use of and/or posting of Comments on this website.
3. Banks4All reserves the right to monitor all Comments and to remove any which it considers in its absolute discretion to be inappropriate, offensive, or otherwise in breach of these Terms.
4. By posting a Comment, you warrant and represent that:
   1. You are entitled to post the Comment on our website and have all necessary licences and consents to do so;
   2. The Comment does not infringe any intellectual property right, including copyright, patent, or trademark, or other proprietary right of any third party;
   3. The Comment does not contain any defamatory, libellous, offensive, indecent, or otherwise unlawful material, or material which is an invasion of privacy;
   4. The Comment will not be used to solicit or promote business, custom, or present commercial or unlawful activity.
5. You hereby grant Banks4All a non-exclusive royalty-free licence to use, reproduce, edit, and authorise others to use, reproduce, and edit any of your Comments in any and all forms, formats, or media.

The following organisations may link to our website without prior written approval:

1. Government agencies;
2. Search engines;
3. News organisations;
4. Online directory distributors when they list us in the directory may link to our website in the same manner as they hyperlink to the websites of other listed businesses;
5. System-wide accredited businesses, except soliciting non-profit organisations, charity shopping malls, and charity fundraising groups.

These organisations may link to our home page, publications, or other website information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement, or approval; and (c) fits within the context of the linking party's site.

We may consider and approve link requests at our sole discretion from commonly known consumer and business information sources, dot.com community sites, charities, online directory distributors, internet portals, accounting, law and consulting firms, and educational institutions and trade associations.

No use of Banks4All's logo or other artwork will be allowed for linking absent a trademark licence agreement.

Without prior approval and express written permission, you may not create frames around our web pages or use other techniques that alter in any way the visual presentation or appearance of our website.

We shall have no responsibility or liability for any content appearing on your website. You agree to indemnify and defend us against all claims arising out of or based upon your website.

No link(s) may appear on any page of your website or within any context containing content or materials that may be interpreted as libellous, obscene, or criminal, or which infringes, violates, or advocates the infringement or other violation of any third-party rights.

We reserve the right at any time and in our sole discretion to request that you remove all links, or any particular link, to our website. You agree to immediately remove all links upon such request. We also reserve the right to amend these Terms of Service and our linking policy at any time. By continuing to link to our website, you agree to be bound by these linking terms.

If you find any link on our website objectionable for any reason, you may contact us. We will consider requests to remove links but have no obligation to do so or to respond directly to you.

Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that material on it is kept up to date.

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

1. Limit or exclude our or your liability for death or personal injury resulting from negligence;
2. Limit or exclude our or your liability for fraud or fraudulent misrepresentation;
3. Limit any of our or your liabilities in any way that is not permitted under applicable law; or
4. Exclude any of our or your liabilities that may not be excluded under applicable law.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

If you have any queries regarding any of our terms, please get in touch — we're happy to help.