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Disclaimer References to “you”, “your” or “user” refer to any person accessing this website (“Website”) References to “we”, “us” or “our” refer to JSC Bank of Georgia References to “Bank of Georgia Group” refer to us and any other companies totally or partly owned by us at any time. PLEASE READ THE TERMS AND CONDITIONS OF THIS USER AGREEMENT CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERM AND CONDITIONS BELOW. SUCH TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE, FROM TIME TO TIME IN OUR SOLE DISCRETION. WE WILL NOTIFY YOU OF AMENDMENTS TO THESE TERMS AND CONDITIONS BY POSTING THEM TO THIS WEBSITE. YOUR CONTINUED ACCESS TO OR USE OF THIS WEBSITE WILL CONSTITUTE YOUR ACCEPTANCE OF ANY SUCH AMENDMENTS. USER AGREEMENT This Website user agreement (the "Agreement") relates terms and conditions for usage of our Website, including without limitation your access to certain electronic services, products and information provided by us. If you are an existing Bank of Georgia customer, these terms will apply in addition to those contained in your agreement/contract with us and does not nullify, any other agreement or arrangement between you and us, and/or between you and any of the Bank of Georgia Group companies governing the conduct of your relationship with the Bank of Georgia Group. However, in the event that you enter into any additional internet access agreements ("Access Agreement") with any entity of the Bank of Georgia Group, such Access Agreement may supersede this Agreement. Use of Site You shall be responsible for obtaining and maintaining all telephone, computer hardware, software, and other equipment needed to access and use this Website. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. You are strictly prohibited from unauthorized use of our systems or this Website, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted to this Website. We may in our sole discretion terminate your access to or use of this Website, and to take any other action we deem appropriate, for any reason, including without limitation where we believe that you have not acted in accordance with the terms and conditions of this Website. Disclaimer of Warranties All the information contained on this Website ("Information") is checked and updated by us with due diligence on a regular basis. This notwithstanding, data may become subject to changes during the intervening period. The Information on or accessed via the Website is provided "as is" and "as available" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Moreover, no warranty is made that operation of the Website shall be error-free, virus-free or uninterrupted. Any dated Information is published as of its date only, if no date stated, the date of first posting. Such Information may become unreliable because of subsequent market or economic circumstances. Neither we nor any of the Bank of Georgia Group companies is under any obligation to update Information or opinions contained on the Website or continue to offer Information. WE DO NOT (I) GUARANTEE THE ACCURACY, TIMELINESS, COMPLETENESS, OR CORRECT SEQUENCING OF THE INFORMATION, OR (II) WARRANT ANY RESULTS FROM USE OF THE INFORMATION. RESPECTIVELY IN NO EVENT SHALL WE OR OUR PRINCIPALS, DIRECTORS, OFFICERS AND EMPLOYEES, THE BANK OF GEORGIA GROUP COMPANIES, THEIR PRINCIPALS, DIRECTORS, OFFICERS AND EMPLOYEES, OR OTHER PERSONS TRANSMITTING THE INFORMATION BE LIABLE FOR ANY SPECIAL, INCIDENTAL, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF DAMAGE, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR UNAVAILABILITY OF THE WEBSITE; THE INACCURACY OF ANY INFORMATION CONTAINED ON OR AVAILABLE VIA THE WEBSITE; OR ARISING OUT ANY INFORMATION CONTAINED ON OR AVAILABLE VIA THE WEBSITE. No Offer Nothing on this Website should be construed as a solicitation of offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction, or to provide any investment advice or service. Nothing contained on the Website constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. Further, neither we nor any Bank of Georgia group company assesses for you, or any particular investor, the suitability of any particular investment. We (including us and Bank of Georgia group companies) do not assess for you, or any particular investor the potential value of any particular investment or the suitability of any information source. You should obtain relevant and specific professional advice before making any investment decision. Third Party Products and Services Where we provide hypertext links to third party internet websites, we do so for information purpose only, provided that such information or topics may be useful to users of this Website. Such links are not an endorsement of or responsibility for the opinions, ideas, products, information or services on such websites and we expressly disclaim any such endorsement or representation. You use such links entirely at your own risk and we accept no responsibility or liability for the content, use or availability of such websites. We have not verified the truth or accuracy of any content of such websites, nor do we warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Accordingly, we make no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content. In addition, such third party websites may have a privacy policy or security practices different from this Website so it is important to read the policies of those sites before sharing your personal information. No third party is permitted to link any other website to this Website without obtaining our prior written consent. Governing Law Georgian law governs this Agreement regardless of whether you reside or transact business with Bank of Georgia in Georgia or elsewhere, and you agree that the Georgian Courts shall have exclusive jurisdiction to determine any matter or dispute in connection with or arising out of this Website and this Agreement. This Website is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this Website or such distribution or use would be contrary to local law or regulation. If you choose to access information on this Website, it is your responsibility to comply with the applicable local, national or international laws and any use of this Website in such jurisdictions is entirely at your own risk. For guidance relating to your specific situation, please contact your legal adviser. If any provision in this Agreement is invalid or unenforceable, the remaining provisions will continue in full force and effect. We reserves the right, in our sole discretion, to change the terms and conditions of this Agreement at any time and without prior notice. LIMITED DISCLOSURE STATEMENT FOR NON-GEORGIAN USERS The Website is primarily aimed at the users interested in investments or receipt of services in the markets of Georgia. As such, a number of the investment products and services advertised therein may not be available to private customers outside of the territory of Georgia or may be unsuitable for tax or other reasons. Subject to the nature and contents of investment advertisements and/or announcements that may be provided from tome to time on this Website, you may need to obtain additional advise or recommendations from legal, tax or investment consultants. COPYRIGHT The entire contents of the Website is copyrighted 2006 by JSC Bank of Georgia and the information held is for your personal use only. Permission to view, copy, print or distribute the contents of the Website is subject to the following conditions: (i) the contents may be used for non-commercial, informational purposes only; (ii) any copy of the contents or portion thereof must include this copyright notice; (c) any product, process or technology described on the Website may be the subject of other intellectual property rights reserved by JSC Bank of Georgia and are not licensed hereunder. Products and services mentioned may not be available in all countries. The works of authorship contained in this Website, including but not limited to all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by JSC Bank of Georgia, or one of the Bank of Georgia Group companies. Any reproduction, representation, dissemination or redissemination, in full or in part, of the content of this Website on any medium or by any means whatsoever (including caching, framing), in addition to any sale, resale, retransmission or making available to third parties in any way whatsoever shall be prohibited. Failure to comply with these restrictions shall constitute an infringement, which may invoke the infringer's civil and criminal liability. Trademark - Bank of Georgia / saqarTvelos banki – is in the process of being registered by the JSC Bank of Georiga in Georgia and certain other countries. Names, trademarks and logos of entities featured in this document are service/trademarks of their respective owners. PRIVACY POLICY It is important to us that we keep your personal information secure and ensure that you understand how we use that information. The goal of our Privacy Policy is to help you understand how the personal information you choose to share with us through this Website is used and maintained. Data Protection We may store and process your information on the Bank of Georgia Group computers and in any other way. By "your information" we mean personal and financial information we (a) obtain from you or from third parties (such as additional cardholders, credit reference agencies or other organizations when you apply for an account or any other product or service), or (b) learn from the way you use and manage your account(s), from the transactions you make and from the payments which are made to your account(s). We and other companies in the Bank of Georgia Group will use your information to manage your account(s), give you statements and provide our services, for assessment and analysis (including credit and/or behavior scoring, market and product analysis), and to develop and improve our services to you, for example by informing you about products and services (including those of others) which may be of interest to you. We will not disclose any such information outside of the Bank of Georgia Group except: to credit reference and fraud prevention agencies and other organizations who may record, use and give out information to other lenders and insurers. The information may be used to make assessments for credit and all types of insurance, for debt tracing and to prevent fraud and money laundering; to persons acting as our agents under a strict code of confidentiality; to anyone to whom we transfer or may transfer our rights and duties under your agreements/contracts with the Bank; as required by law or regulation. Otherwise we will keep information about you confidential. If we transfer your information to a service provider or agent in another country, we will make sure that the service provider or agent agrees to apply the same levels of protection as we are required to apply to information held in Georgia and to use your information only for the purpose of providing the service to us. We do not sell or market your personal information or personalized data to unaffiliated organizations. If you provide us with your e-mail address, or have done so in the past, we may upon occasion send you e-mail. E-mail sent to us through the Website will be maintained in a manner consistent with our legal and regulatory requirements regarding client and public communications. You have a right of access to your personal records. Should you wish to exercise this right please contact us. A fee may be charged for this service. Collection of Information Some of the special features on our Website require registration before you can use them. If you register or are registered to receive our online services, you choose to provide us with certain personal information such as your name, address, e-mail, company affiliation and telephone number. Upon registration, you can choose to create and save, change or delete personalized data that you enter on certain portions of this Website. You may also change your password at any time. We may record or monitor phone calls between us and you so that we can check instructions and make sure that we are meeting our service standards. We may also use cookies, i.e. small files which are stored on a user's hard drive, as part of its normal service to enable information about customers and their preferences to be stored and to prevent unauthorized access to a customer's account online. However, we do not use cookies on customers' PCs to monitor an individual's use of the Internet. Security Notice Please remember that Internet communications are not secure unless the data being sent is encrypted. We cannot accept any responsibility for the unauthorized access by a third party and/or the corruption of data being sent by individuals to offices of the Bank of Georgia Group. You agree that in circumstances where locations of this Website require identification for access, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals. You agree that you will not use any robot, spider, other automatic device or manual process to monitor or copy our web pages, data or the content contained herein or for any other unauthorized purpose without our prior expressed written permission. Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet. Provisions of this Privacy Policy do not supersede the terms and conditions that govern your use of the Website. Any conflict between the two shall be determined in favor of such terms and conditions. CONTACTING US ABOUT THIS WEBSITE If you have any questions or comments about this Website, the Agreement or Privacy Policy, please contact us either by e-mail using the pre-formatted form under "Call Back Service" in the bottom left menu bar or by sending a letter to our registered office address as indicated on the Website. You can also contact us if you do not wish to receive details of products and services contained on the Website. RESEARCH DISCLAIMER The documents, news or comments on this Website have been prepared by JSC Bank of Georgia ("Bank of Georgia") solely for informational purposes and independently of the respective companies mentioned herein. The documents, news or comments do not constitute or form part of, and should not be construed as, an offer or solicitation or invitation of an offer to buy, sell or subscribe for any securities or assets and nothing contained herein shall form the basis of any contract or commitment whatsoever or shall be considered as a recommendation to take any such actions. Bank of Georgia is authorized to perform professional activities on the Georgian market. The distribution of the documents, news or comments on this Website in certain jurisdictions may be restricted by law. Persons into whose possession these documents, news or comments come are required by Bank of Georgia to inform themselves about and to observe any and all restrictions applicable to them. These documents, news or comments are not directed to, or intended for distribution, directly or indirectly, to, or use by, any person or entity that is a citizen or resident located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would require any registration or licensing within such jurisdiction. Investments (or any short-term transactions) in emerging markets involve significant risk and volatility and may not be suitable for everyone. The recipients of the documents, news or comments on this Website must make their own investment decisions as they believe appropriate based on their specific objectives and financial situation. When doing so, such recipients should be sure to make their own assessment of the risks inherent in emerging market investments, including potential political and economic instability, other political risks including without limitation changes to laws and tariffs, and nationalization of assets, and currency exchange risk. No representation, warranty or undertaking, express or implied, is or will be made by Bank of Georgia or its directors, employees, affiliates, advisers or agents or any other person as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the documents, news or comments on this Website and the information contained herein (and whether any information has been omitted from these documents, news or comments) and no reliance should be placed on them. These documents, news or comments should not be considered as a complete description of the markets, industries and/or companies referred to herein. Nothing contained in these documents, news or comments is, is to be construed as, or shall be relied on as legal, investment, business or tax advice, whether relating to the past or the future, by Bank of Georgia or any of its directors, employees, affiliates, advisers or agents in any respect. Recipients are required to make their own independent investigation and appraisal of the matters discussed herein. Any investment decision should be made at the investor's sole discretion. To the extent permitted by law, Bank of Georgia and its directors, employees, affiliates, advisers and agents disclaim all liability whatsoever (in negligence or otherwise) for any loss or damages however arising, directly or indirectly, from any use of these documents, news or comments or their contents or otherwise arising in connection with these documents, news or comments, or for any act, or failure to act, by any party, on the basis of these documents, news or comments. The information in the documents, news or comments on this Website is subject to verification, completion and change without notice and Bank of Georgia is not under any obligation to update or keep current the information contained herein. The delivery of these documents, news or comments shall not, under any circumstances, create any implication that there has been no change in the information since the date hereof or the date upon which these documents, news or comments have been most recently updated, or that the information contained in these documents, news or comments is correct as at any time subsequent to the date on which it is supplied or, if different, the date indicated in the documents, news or comments containing the same. No representation or warranty, expressed or implied, is made by Bank of Georgia, or any of its directors, employees, affiliates, advisers or agents with respect to the accuracy or completeness of such information. The information provided and opinions expressed in the documents, news or comments on this Website are based on the information available as of the issue date and are solely those of Bank of Georgia as part of its internal research coverage. Opinions, forecasts and estimates contained herein are based on information obtained from third party sources believed to be reliable and in good faith, and may change without notice. Third party publications, studies and surveys generally state that the data contained therein have been obtained from sources believed to be reliable, but that there is no guarantee of the accuracy or completeness of such data. Accordingly, undue reliance should not be placed on any such data contained in these documents, news or comments. Neither Bank of Georgia, nor its directors, employees, affiliates, advisors or agents make any representation or warranty, express or implied, of these documents', news’ or comments’ usefulness in predicting the future performance, or in estimating the current or future value, of any security or asset. Bank of Georgia does, and seeks to do, business with companies covered in its research. As a result, investors should be aware of a potential conflict of interest that may affect the objectivity of the information contained in the documents, news or comments on this Website.Unauthorized copying, distribution, publication or retransmission of all or any part of the documents, news or comments on this Website by any medium or in any form for any purpose is strictly prohibited. The recipients of the documents, news or comments on this Website are responsible for protecting against viruses and other destructive items. Receipt of the electronic transmission is at risk of the recipient and it is his/her responsibility to take precautions to ensure that it is free from viruses and other items of a destructive nature.
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