Terms and Conditions

The web site under the domain name “www.bancacarrige.com” (“Aurora Bank Inc Website”) is operated by Aurora Bank Inc, Italy (“Aurora Bank Inc”). The Aurora Bank Inc Web Site is operated on behalf of Aurora Bank Inc and its related bodies corporate (together called the “Aurora Bank Inc Group”). Your use of the Information, graphics and materials on the Aurora Bank Inc Web Site (“Material on this web site”) are governed by these Terms of Use and the Privacy and Security Statement. In addition to the terms contained in this document, there are also specific terms, which form part of the Terms of Use and govern your use of, and access to, certain sections of the Aurora Bank Inc Web Site. Since you are also bound by these additional terms, you should review them wherever they are accessible by you on the Aurora Bank Inc Web Site.

Link to Other Websites
The Aurora Bank Inc Web Site may contain links to other web sites operated by third parties (“Third Party Web Sites”). Aurora Bank Inc does not endorse, or approve of the operators of Third Party Web Sites, or the information, graphics and material on those Third Party Web Sites (“Third Party Material”). Aurora Bank Inc makes no warranties or representations:

Regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party Web Sites; or
That Third Party Material does not infringe the intellectual property rights of any person. Aurora Bank Inc is not authorizing the reproduction of Third Party Material by linking Material on this web site to Third Party Material. When you follow a link on the Aurora Bank Inc Web Site, material at a Third Party Web Site may be displayed in your browser framed by Material on this web site. The material so displayed is also Third Party Material for the purpose of these Terms of Use.

All offers to sell and statements relating to goods and services available on Third Party Web Sites are the responsibility of and given by the Third Party Web Site operator, in so far as such offers and statements are made on the Aurora Bank Inc Web Site, Aurora Bank Inc expressly disclaims acting in any capacity on behalf of Third Party Web Site operators. Aurora Bank Inc shall be at liberty to use for any purpose, any idea concept, know how or technique contained in any material delivered to Aurora Bank Inc web site by a visitor and Aurora Bank Inc shall not be subject to any obligations of confidentiality regarding such material except as required by law in relation to information supplied by customers.Aurora Bank Inc Product Information and Supply Material on this web site may contain general information about Aurora Bank Inc products and services. Unless expressly stated otherwise, this information:

Does not constitute an offer or inducement to enter into a legally binding contract; and
Does not form part of the terms and conditions for Aurora Bank Inc products and services. For further information about a particular product or service please complete the e-form on the product or service page. All applications for credit are subject to the Aurora Bank Inc’s normal credit approval criteria. Unless expressly agreed otherwise:

Products and services discussed in the section of the Aurora Bank Inc Web Site which refers to the Italy operations of any Aurora Bank Inc member (the” Italian Section”) will be provided only to Italian residents. These products and services are generally not available to non-Italy residents because they may not comply with non-Italy laws. Again, products and services discussed in the sections of the Aurora Bank Inc Web Site which refer to the various non-Italy operations of any Aurora Bank Inc member or discussed in web sites operated by any Aurora Bank Inc member outside Italy and linked to the Aurora Bank Inc Web Site (the “International Sections”) will be provided only to residents of the jurisdiction to which a particular International Section applies, and only to the extent that those products and services comply with the laws of that jurisdiction.

Internet Banking

Internet Banking To have access to this service you must be a Aurora Bank Inc customer. The service grants you access to all the functions listed in this brochure, through the use of your Account Number and Pass code. Your pass code is used to give instructions and initiate transactions on your account. Do not disclose your pass code to anybody. If your pass code becomes known to a third party, you must immediately change it. You must inform us if your pass code is forgotten so that we can re-create another one for you. You must understand that giving your Account Number/Pass code shall be sufficient confirmation of the authenticity of any instruction given or transaction initiated. Therefore, Aurora Bank Inc will assume that any instruction given with your Account Number/Pass code is originating from you.This means that we will not be responsible for any fraudulent, duplicate or erroneous instruction given to us or any such transaction initiated by means of your Account Number/pass code. Also note that we shall not be liable for complying with instructions given with your pass code if it is disclosed to a third party. Please read the Internet Banking Brochure before using the service. We will not be liable for any failure to provide the service or to comply with these terms and conditions for any cause that is beyond our reasonable control.

Warranties

While we have made every effort to ensure that information is free from error, the Aurora Bank Inc does not warrant the accuracy, adequacy or completeness of Material on this web site. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non infringement of third party rights, title, merchantability and fitness for particular purpose is given with materials on the Aurora Bank Inc web site. All information is subject to change without notice. Aurora Bank Inc recommends that you seek independent advice before acting upon Material on this web site or Third Party Material. Aurora Bank Inc does not guarantee that the Aurora Bank Inc Web Site or Third Party Web Sites will be free from viruses, or that access to the Aurora Bank Inc Web Site or Third Party Web Sites will be uninterrupted.

Limitations

Subject to any responsibilities implied by law and which cannot be excluded, no member of Aurora Bank Inc is liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defense or settlement costs) whatsoever arising out of or referable to Material on the Aurora Bank Inc Web Site or to Third Party Material, whether in contract, tort including negligence, statute or otherwise. Under no circumstance will Aurora Bank Inc be liable for any direct or indirect, special, incidental or consequential losses, damages, liabilities, claims and expenses (including but not limited to legal cost and defense or settlement costs) whatsoever arising out of or referable to material or information or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or system failure on the Aurora Bank Inc web or to third party material or information.

Termination & Jurisdiction

These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on the Aurora Bank Inc Web Site) and your access to the Aurora Bank Inc Web Site may be terminated at any time by Aurora Bank Inc without notice. All disclaimers and limitations of liability by Aurora Bank Inc will survive termination.

Unless expressly agreed otherwise:
The Italian section is provided for use only by Italian residents. The law applicable to use of the Italian section and to disputes arising out of the Italian section is the law of the Republic of Italy; and each International Section is provided for use only by residents of the jurisdiction to which that International Section applies. The law applicable to use of each International Section and to disputes arising out of the International Section is to the extent possible, the law of the Republic of Italy, and otherwise, the law of the jurisdiction in question.

Linking to Aurora Bank Inc Web Site

Please contact Aurora Bank Inc if you would like to place a link to any part of the Aurora Bank Inc Web Site.

Acceptance and Changes to Terms of Use

You acknowledge and accept that your use of the Aurora Bank Inc Web Site indicates your acceptance of these Terms of Use and the Privacy and Security Statement. These are the current Terms of Use. They replace any other terms of use for the Aurora Bank Inc Web Site published on the Aurora Bank Inc Web Site to date. Aurora Bank Inc may at any time vary the Terms of Use by publishing the varied Terms of Use on the Aurora Bank Inc Web Site. You accept that by doing this, Aurora Bank Inc has provided you with sufficient notice of the variation.

Aurora Bank Inc reserves any rights not expressly granted in these Terms of Use.