Natwest offshore terms

CHANGES TO MOBILE BANKING TERMS (19th April 2016)

We're making some changes to Pay Your Contacts.

As a reminder, Pay Your Contacts allows you to send payments using the payee's mobile phone number instead of their account details.

On 19 April 2016, we'll be removing the part of the service that allows you to send this type of payment to someone based on them having a Visa debit, credit or prepaid card. You'll still be able to send a Pay Your Contacts payment to someone who is registered for the NatWest, RBS, Ulster Bank Northern Ireland, NatWest Offshore or Isle of Man Bank App or for the industry wide Paym service and you can still send other payments from the App to anyone you've already set up as a payee on online banking.

We're updating our Mobile Banking Terms to

  • reflect the changes we're making to Pay Your Contacts;
  • explain the different ways that we can tell you about changes to the Mobile Banking Terms; and
  • make them clearer to you.

Please read the updated Mobile Banking Terms carefully. They'll take effect on 19 April 2016 and can be found in the 'Help & Support' or the "More" section of the App for future reference.

Need more help?

If you have any queries, please contact us on 0345 366 7004 or +44 2381 244182 from outside the UK or visit natwestinternational.com.

If you no longer wish to use Mobile Banking, you can cancel this service by calling us on 0345 366 7004 or +44 2381 244182 from outside the UK and deleting the App from your mobile device(s).

 

MOBILE BANKING TERMS (effective from 19th April 2016)

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland International Limited trading as NatWest International (NatWest International). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice: natwestinternational.com/privacynotice. It's important that you read this carefully together with these Terms.
 
If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them at natwestinternational.com.

1.2 If you have any questions about these Terms, please contact us on 0345 366 7004 or +44 2381 244182 from outside the UK. If there is any inconsistency between these Terms and your Core Terms, these Terms will apply.

1.3 Our relations with you and these Terms will be governed by the laws of the jurisdiction in which the branch where your account(s) is located. The courts there will have non-exclusive jurisdiction in any disputes between us.

2 OUR DETAILS

2.1 The Royal Bank of Scotland International Limited trading as NatWest International (NatWest International). Registered Office: P.O. Box 64, Royal Bank House, 71 Bath Street, St. Helier, Jersey JE4 8PJ. Tel. 01534 282850. Regulated by the Jersey Financial Services Commission.

2.2 Guernsey business address: PO Box 62, Royal Bank Place, 1 Glategny Esplanade, St. Peter Port, Guernsey, GY1 4BQ. Tel. 01481 703860. Regulated by the Guernsey Financial Services Commission and licensed under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, as amended, the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002, and the Protection of Investors (Bailiwick of Guernsey) Law, 1987, as amended.

2.3 Isle of Man business address: Royal Bank House, 2 Victoria Street, Douglas, Isle of Man IM99 1NJ. Tel. 01624 637190. Licensed by the Isle of Man Financial Services Authority in respect of Deposit Taking, Investment Business and registered as a General Insurance Intermediary.

2.4 NatWest International is the registered business name of The Royal Bank of Scotland International Limited under the Business Names Registration Act. Gibraltar business address: National Westminster House, PO Box 707, 57 Line Wall Road, Gibraltar. Tel. 200 77737 or 200 73200. Regulated and authorised by the Financial Services Commission, Gibraltar to undertake Banking and Investment Business from 55 and 57 Line Wall Road and 1 Corral Road, Gibraltar.

2.5 NatWest International is a member of The Royal Bank of Scotland Group. The Royal Bank of Scotland plc - Registered in Scotland No 90312. Registered office: 36 St Andrew Square, Edinburgh EH2 2YB. The Royal Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The latest report and accounts are available at www.investors.rbs.com.

3 THE SERVICE

3.1 The Mobile Banking app is available to Online Banking customers with a Channel Islands, Isle of Man, Gibraltar, UK or international mobile number (selected countries only).

3.2 To use Mobile Banking you'll need to download the NatWest International Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at natwestinternational.com/mobile. The services that are available to you may vary depending on the type of device you're using.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party used to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4 SECURITY

4.1 Your security details

4.1.1 You must keep your security details secret (including any passwords or log-in details). This means that you mustn't give these details to any other person or record them in any way that could allow another person to access them.

4.1.2 You must tell us immediately if you think someone else might know your security details by calling 0345 366 7004 or +44 2381 244182 from outside the UK or by contacting your branch.

4.1.3 We'll never ask you to disclose your full security details to us or to any other person or organisation. Even if the person requesting your details is using our name and logo and appears to be genuine, you must not share your details with them. You should report any such requests to us immediately by calling 0345 366 7004 or +44 2381 244182 from outside the UK or by contacting your branch.

4.2 Your device

4.2.1 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.2.2 If your device is lost or stolen you must contact us immediately by calling 0345 366 7004 or +44 2381 244182 from outside the UK or by contacting your branch.

4.2.3 You must delete the App from your device if you change your device or dispose of it.

4.3 Incorrect or unauthorised payments

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us immediately by calling 0345 366 7004 or +44 2381 244182 from outside the UK or contacting your branch. Please read your Core Terms for further information on incorrect and unauthorised payments.

4.4 Your contact details

You should tell us promptly if your contact details (including your mobile phone number or email address) change.

5 INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

6 PAYMENTS

6.1 General

6.1.1 Your Core Terms explain the different ways you can pay money into your account or take money out of your account.

6.1.2 Terms 6.2 to 6.3 below set out a payment service that is specific to Mobile Banking and is therefore not included in your Core Terms.

6.1.3 When you make a payment through Mobile Banking we’ll make the payment using the Faster Payments Service if possible. If we can’t use the Faster Payments Service we’ll advise you of alternative ways to make the payment.

6.2 Pay Your Contacts (General)

6.2.1 Pay Your Contacts is a service within the App, which allows you to send money to a third party by using the payee’s mobile phone number rather than their account number and sort code.

6.2.2 You can use this service to make payments to:
•anyone who has registered to use a NatWest, NatWest International, RBS, Ulster Bank Northern Ireland or Isle of Man Bank Mobile Banking App (the Group Apps);
•anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way);

6.2.3 To make a payment in this way, you need to give us:
•the mobile phone number of the payee. (This is the information that we use to identify the payee); and
•the amount of the payment in Sterling.

You're responsible for ensuring that these details are correct.

6.2.4 Once you've asked us to make a payment you won't be able to cancel it. If you realise that you've given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by contacting us on 0345 366 7004 or +44 2381 244182 from outside the UK. Where possible we'll try to stop the payment, but might not be able to do so. We'll not be liable to you if we're unable to stop a payment in these circumstances.

6.2.5 We'll notify you within the App if we're unable to make a payment.

6.2.6 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.

6.3 Pay Your Contacts

6.3.1 You may ask us to make a payment to someone who is registered to use one of the Group Apps or Paym. When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

6.3.2 If the payee is registered to use one of the Group Apps as well as Paym, we'll send the payment to one of the accounts linked to their Group App.

6.3.3 If the payee is not registered to use one of the Group Apps but is registered for Paym, we'll send the payment to the account they've registered for Paym.

7 CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when abroad.

8 OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

9 VARIATION/TERMINATION

9.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 7004 or +44 2381 244182 from outside the UK and delete the App from your mobile device(s).

9.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated automatically and you'll have to re-register in order to use Mobile Banking again.

9.3 We may suspend, withdraw or restrict the use of Mobile Banking or any part of it where:
•we reasonably suspect that your security details haven't been kept secret;
•we reasonably suspect that your security details have been used fraudulently or without your permission;
•as a result of a change in the way you operate your account or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
•we believe it's appropriate in order to protect your account(s);
•you've broken any of the Licence Terms set out below.

We'll tell you before taking any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

9.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days’ notice.

9.5 If we have a valid reason for doing so, we may change the terms of our agreement with you (which may include introducing charges for Mobile Banking or making changes to those charges) by giving you at least 60 days’ notice before the change takes effect. We’ll tell you about any changes by:
•notifying you within the App;
•sending a text message (to the mobile phone number you gave us);
•sending an email (to the email address you gave us);
•delivering a secure message to online banking; or
•sending you notice by post.

We’ll assume that you’ve accepted the change unless you uninstall the App or tell us that you’d like to cancel Mobile Banking before the change takes effect.

10 LICENCE TERMS

10.1 Licence to use the App

10.1.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:
•you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
•you can only use the App for Mobile Banking and for no other purpose;
•the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person;
•you must not copy, reproduce, alter, modify or adapt the App or any part of it;
•you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App remains with us;
•if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

10.1.2 The Licence includes the right to use any future updates to the App that we make available to you.

10.1.3 We are solely responsible for the App and its content. If you have any questions, complaints or need support in relation to the App please contact us on 0345 366 7004 or +44 2381 244182 from outside the UK.

10.1.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

10.2 Duration and Termination of the Licence

We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 9. Upon termination of the Licence for any reason you must uninstall the App and destroy all copies of it.
 

 

CHANGES TO MOBILE BANKING TERMS (16th June 2015)

On 16th June 2015 we’ll be offering a new service within the Mobile Banking app, which will allow you to send payments through the Paym scheme. Paym is a service offered by a number of banks and building societies, which allows you to send and receive payments using just a mobile phone number. You can find out more about Paym at paym.co.uk.  

We've also taken this opportunity to simplify our Terms. 

These changes will take effect on 16th June 2015.  

Read our new Mobile Banking Terms 

Please read these terms carefully. They'll stay in the "More" section for future reference.  

Need more help? 

If you have any queries, please contact us on 0345 366 7004 or +44 2381 244182 from outside the UK or visit natwestinternational.com.

If you no longer wish to use Mobile Banking, you can cancel this service by calling us on 0345 366 7004 or +44 2381 244182 from outside the UK and deleting the App from your mobile device(s).

 

MOBILE BANKING TERMS (effective from 16th June 2015)

It is important that you read these terms and conditions (the "Terms") carefully along with our Personal Banking Terms and Conditions and our fees leaflet A Guide to Personal Account Fees (collectively our "Core Terms").

The Core Terms set out our general terms for using our banking services including our privacy policy which contains details of how we and others will use your information. Please also look for the padlock symbol. If you have any questions about these Terms, please contact us on 0808 168 2957. If there is any inconsistency between the Terms and the Core Terms, the Terms will prevail.

1.0 OUR DETAILS

1.1 The Royal Bank of Scotland International Limited trading as NatWest ("us", "we" or "NatWest"). Registered Office: P.O. Box 64, Royal Bank House, 71 Bath Street, St. Helier, Jersey JE4 8PJ. Regulated by the Jersey Financial Services Commission.

1.2 Guernsey business address: PO Box 62, Royal Bank Place, 1 Glategny Esplanade, St. Peter Port, Guernsey, GY1 4BQ. Regulated by the Guernsey Financial Services Commission and licensed under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, as amended, the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002, and the Protection of Investors (Bailiwick of Guernsey) Law, 1987, as amended.

1.3 Isle of Man business address: 2 Victoria Street, Douglas, Isle of Man, IM99 1AQ. Licensed by the Financial Supervision Commission of the Isle of Man and registered with the Insurance and Pensions Authority in respect of general business.

1.4 Gibraltar business address: National Westminster House, PO Box 707, 57 Line Wall Road, Gibraltar. Regulated and authorised by the Financial Services Commission, Gibraltar to undertake Banking and Investment Business from 57 and 55 Line Wall Road and 1 Corral Road, Gibraltar. NatWest is the registered business name of The Royal Bank of Scotland International Limited under the Business Names Registration Act.

1.5 We are a member of The Royal Bank of Scotland Group (the "RBS Group"). For information about our group of companies, please visit www.rbs.com and click on 'About Us', or for similar enquiries please telephone 0131 556 8555 or minicom 0845 900 5960.

2.0 THE SERVICE

2.1 You may only access the Mobile Banking Service if you are aged 11 years or over and have a NatWest personal account held in the Channel Islands, Isle of Man or Gibraltar. Further details on how to register and use the Mobile Banking Service can be found at natwestoffshore.com/mobile. The Mobile Banking Service offers you access to a range of content and transaction services. Details of our range of services can be found on our website at natwestoffshore.com/mobile.

2.2 The Mobile Banking Service offers you access to a range of content and transaction services. Full details of our range of services can be found on our website at natwestoffshore.com/mobile. The services offered to you via the Mobile Banking Service may vary depending on the type of device you are using.

3.0 AVAILABILITY OF SERVICE

3.1 While we will make reasonable efforts to provide the Mobile Phone Banking Service, we will not be liable for any failure to provide the Mobile Phone Banking Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Service resulting from maintenance and upgrades to our systems or the systems of any party used to provide the Service, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage.

3.2 The Mobile Banking Service application (the "Application") is provided "as is" with no representation, guarantee or warranty of any kind as to its functionality.

4.0 SECURITY PROCEDURE

4.1 You must keep your security details secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them.

4.2 You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person.

4.3 Please note that after initial registration we will never contact you (or ask anyone to do so on our behalf), with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your security details to them in any circumstances. Additionally you should report any such requests to us immediately.

4.4 Where a transaction using the Mobile Phone Banking Service has been carried out using your security details, but you subsequently show that the transaction was not authorised by you, you will not be liable for that transaction provided you have kept your security details secret, not acted fraudulently, acted with reasonable care and acted in accordance with these Terms.

4.5 If you suspect that anyone knows your security details you must contact us immediately. If you fail to do so, you will be liable for any unauthorised transactions on your account confirmed by use of your security details.

4.6 You will be responsible for all instructions given by you or anyone acting with your authority between the time you pass the security procedure until you exit from the Mobile Phone Banking Service. Please note that this includes any input errors or instructions sent by someone other than yourself so please do not leave your mobile phone unattended while you are still logged onto the Mobile Phone Banking Service.

4.7 You are responsible for making sure information either shown or stored on your mobile phone is kept secure.

4.8 You must advise us of any change to your mobile phone number or email address.

5.0 TRANSACTIONS

5.1 When you instruct us to make a payment through the Mobile Banking Service, we will make the payment using the Faster Payments Service if possible. We will advise you if we cannot use the Faster Payments Service.

5.2 You acknowledge that you are responsible for all transactions carried out using the Mobile Phone Banking Service and for the repayment of any debt that arises from use of the Mobile Phone Banking Service.

6.0 PAY YOUR CONTACTS

6.1 General

6.1.1 You can only register to use Pay your contacts within this app if your account is held in the Channel Islands, Isle of Man or Gibraltar.

6.1.2 If you are registered to use Pay your contacts, you can ask us to make a payment by using the Application to advise the mobile phone number of the person you would like to make the payment to (the "payee"), together with the amount of the payment in Sterling. When you instruct us to make a payment by providing the mobile phone number of the payee you consent to us debiting your account for the amount specified..

6.1.3 The mobile phone number that you give us identifies the payee. You are responsible for ensuring that you provide us with the correct mobile phone number and amount.

6.1.4 Once you have asked us to make a payment using Pay your contacts you will not be able to cancel that payment. If you realise that you have given us an incorrect mobile phone number you must inform us as soon as possible by contacting our telephone banking service. Where circumstances permit we will try to stop the payment, but may not be able to do so. We will not be liable to you if we are unable to stop a payment in these circumstances.

6.1.5 We will inform you within the Application if we are unable to send a payment.

6.1.6 For your and our security, we will place a daily limit on transactions using Pay your contacts and a limit on the amount of any one Pay your contacts transaction. Details of these limits can be found on our website at natwestoffshore.com/mobile.

6.2 Paying Registered Customers

6.2.1 You may ask us to make a payment to other customers who are registered users of the RBS Group Mobile Banking service ("Registered Customers"). When you give us the payee's mobile phone number and the amount of the payment this will be your payment instruction to us. The payment will normally be processed immediately but may sometimes take up to two hours. Payments using Pay your contacts will be identified in the payee's account by your mobile phone number.

6.3 Paying Non-Registered payees

6.3.1 You may ask us to make a payment to someone who is not a Registered Customer (a "Non-Registered payee") provided they have a Visa debit card, Visa credit card, or a Visa pre-paid card which is eligible to receive third party payments.

6.3.2 When you instruct us to pay a Non-Registered payee by giving us their mobile phone number and the payment amount, we will work in partnership with Visa Europe Limited ("Visa") to process your instruction.

6.3.3 Some Non-Registered payees will already have their mobile phone number and Visa card details registered with Visa. These Non-Registered payees will be treated by Visa as "Registered Visa recipients".

6.3.4 When you instruct us to pay a Non-Registered payee who is a Registered Visa recipient, you initiate the payment transaction and Visa will process the payment on our behalf.

6.3.5 When you instruct us to pay a Non-Registered payee who is not a Registered Visa recipient:

(a) Visa will send a text message to the Non-Registered payee on our behalf informing them that you wish to make a payment to them. For security reasons Visa will not state the amount of the payment in this text message. It is your responsibility to provide the Non-Registered payee with this information.

(b) The Non-Registered payee will have up to seven days from the day Visa send the text message to collect the payment. After the collection period has expired the payment request will no longer be valid and you will have to make a fresh payment request if you still wish to make the payment.

(c) To collect the payment, the Non-Registered payee must visit the Visa Europe collections website referred to in the text message and provide their eligible Visa card details as well as the amount of the payment. When the Non-Registered payee provides this information they initiate the payment transaction and Visa will process the payment on our behalf.

6.3.6 For all Non-Registered payees, if the payment is successful it will be credited to the Non-Registered payee's account by the end of the business day [after the payee has contacted Visa to collect the payment]. If the payment is unsuccessful you will be sent a text message to let you know, and you will have to make a fresh payment request if you still wish to make the payment.

7.0 CHARGES

We do not currently charge you for the Mobile Phone Banking Service. However, your mobile phone network operator may charge you when using the Mobile Phone Banking Service and these charges may vary if you use your mobile phone to access the Mobile Phone Banking Service when abroad.

8.0 OUR LIABILITY

We will not be liable to you for any breach of (or failure to perform) our obligations where that breach (or failure) is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary.

9.0 VARIATION/TERMINATION OF SERVICE

9.1 There is no minimum contract period and you are free to cancel the Mobile Phone Banking Service at any time. Details on how to cancel the Mobile Phone Banking Service can be found on our website at natwestoffshore.com/mobile.

9.2 If you have not used the Mobile Phone Banking Service for 12 months your account will be deactivated automatically and you would have to re-register in order to use the Mobile Phone Banking Service again.

9.3 You acknowledge that it is your responsibility to delete the mobile banking application from your mobile phone if you change your mobile phone or dispose of it.

9.4 Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will notify you personally before taking this action to suspend, withdraw or restrict your use of the Mobile Phone Banking Service and provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will notify you and give our reasons afterwards.

9.5 We may suspend, withdraw or restrict the use of the Mobile Phone Banking Service or any part of the Mobile Phone Banking Service where:

a) have reasonable grounds to suspect that your Security Details have not been kept safe; or

b) we have reasonable grounds to suspect unauthorised or fraudulent use of your Security Details; or

c) as a result of a change in the way you operate your account or in your financial circumstances, we have reasonable grounds to believe that you may have difficulty in meeting your commitments; or

d) we consider it appropriate for your protection.

9.6 If we have a valid reason for doing so, we may change the terms of our agreement with you by notifying you personally not less than 60 days before the change comes into effect.

9.7 We may introduce new charges on your account or change the amount of any charges which already apply to your account by notifying you personally not less than 60 days before the change comes into effect.

10.0 LICENCE FOR NATWEST MOBILE PHONE BANKING APPLICATION (the "Licence")

10.1 We hereby grant to you a non-assignable, non-transferable, non-exclusive Licence to use the mobile phone banking application (which shall include future updates made available to you from time to time provided you understand such updates may be subject to additional terms notified to you at the time such update is made available) subject to the following obligations and/or restrictions:

10.1.1 you may only use the Application on one single registered mobile phone belonging to you or under your control. You will need to register separately each additional or replacement mobile phone;

10.1.2 you may only use the Application for the purpose of receiving the Service and for no other purpose whatsoever;

10.1.3 the Application is licensed only to you and you shall not assign, sub-licence or grant any rights of use or any other rights in respect of the Application to any other person;

10.1.4 you shall not copy or reproduce in any way the whole or any part of the Application;

10.1.5 you shall not alter, modify or adapt the whole or any part of the Application;

10.1.6 you shall not remove or tamper with any copyright notice attached to or contained within the Application and you acknowledge and agree that as between us and you all ownership in the Application remains with us;

10.1.7 on any termination of the Service all rights granted to you in respect of the Application shall immediately cease.

10.2 TERMINATION

10.2.1 The Licence shall commence upon your acceptance of the Licence or when you install the Application (whichever is first) and shall continue until terminated in accordance with the following clause or otherwise in accordance with the Licence.

10.2.2 The Licence will terminate automatically if you cancel the Service and/or uninstall the Application, or fail to comply with any term or condition of the Licence.

Upon termination of the Licence for any reason whatsoever you must uninstall the Application and destroy all copies of the Application including all components of it in your possession.

10.3 LAW AND JURISDICTION

Our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence will be governed by the laws of the jurisdiction in which the branch where your
account(s) is located.

10.4 ACCEPTANCE OF LICENCE

You will be deemed to have accepted the terms of the Licence by installing the Application on any mobile phone.
 

 

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