I   General conditions
1.1    The terms and conditions set forth in these Terms of Use (hereinafter referred to as the Terms of Use) of the website are governed (hereinafter - the website) of JSC Liberty Bank (headquartered at 7462 Chavchavadze Avenue, Tbilisi, Georgia and registered with the Large Payers Inspectorate of Georgia under registration number 203828304 (hereinafter - Liberty Bank)).
1.2.    In the text below, the words "you" and "user" mean any visitor of the Website.
1.3.    By accessing the Liberty Bank Website and using the information or services you receive at or through this website, you agree to be bound by these Terms of Use. In the event of any inconsistency between the terms of a particular product or service and the terms of use set out in these Terms of Use, the terms set forth for that particular product or service shall prevail.
II Restrictions on use of the Website 
2.1.    The information posted on the Liberty Bank website is obtained from sources that Liberty Bank considers reliable. Liberty Bank and third parties make no warranties or provision, neither implied nor direct, as to whether the information posted on or through this website is correct, complete or up to date. The information on the Website may be changed or removed without prior notice. Liberty Bank does not warrant that this Website or the Internet Services provided through it will operate without errors or interruptions.
2.2.   In no event may the information contained on the Website be construed as advice or a request to buy or sell a product, service or financial document and / or as a recommendation of the Service Provider unless the Service Provider expressly states otherwise.
2.3.    Liberty Bank will not provide these products and services to any person if Liberty Bank believes (and provided that Liberty Bank is not obligated to verify this) that the provision of these services violates the laws or regulations or other relevant legislation in the country of residence.
2.4.   You are also prohibited from an unauthorized use of our systems or this website, including unauthorized access to our systems, improper use of the password, or improper use of any information posted on the website. 
2.5.    You agree that we have the right to disclose, transmit and / or verify / receive information about you on the Website with third parties. By using the Website, you automatically agree to the Liberty Bank Privacy and Security Policy, which is also posted on this Website.
2.6.    You agree to the transfer and delivery of the information provided on the Website to or through any country in the world as we deem necessary or expedient. Your use of the website or provision of information on this website is deemed as your consent to such transfer of information.
2.7. Use of this website may be subject to monitoring, tracking and recording. Any person who uses this website expressly consents to such monitoring, tracking and recording. You are obliged to read the current versions of these Terms of Use and the Privacy and Security Policy posted on the Website for each case of using the Website.
III Financial Documentation
3.1.    Liberty Bank and its subsidiaries / affiliates may from time to time hold positions or shares in listed securities or provide or intend to provide corporate financial and equity services to those companies and issuers; Which are directly or indirectly indicated in the research documents or recommendations available on this website or available through this website.
IV Limitation of Liability
4.1.    The information on this website is for informational purposes only. It is considered reliable, but we do not guarantee its completeness, timeliness and accuracy. The user is informed, uses and trusts this information only at own risk. Please seek professional advice as needed when evaluating the information on this website. The information on this website does not constitute an offer or advice that you purchase any stock, other securities or any other financial document and is not intended to provide you with any investment services or investment advice in any country or territory
4.2.   Given the permissibility of human or mechanical error and other factors, the content of this website is provided in its current form or "as it is". Liberty Bank, our affiliates or third parties do not endorse any warranty or agreement with respect to the Website or its content. Liberty Bank, our affiliates, and third parties are exempt from any warranty or obligation in connection with this website, including any implied warranties of merchantability, possible third party rights, freedom from viruses or other malicious code, or for any purpose. Liberty Bank, our affiliates or third parties make no warranties as to the accuracy, adequacy or completeness of the information and materials contained on the Website and expressly disclaim any responsibility for any errors or inaccuracies in these materials or information. Liberty Bank, our affiliates or third parties are not liable for any interruptions in this website, computer viruses, malicious code and other related defects of the website, inconsistencies between the website and user files. Problems that customers may encounter for reasons we may or may not control. Liberty Bank shall not be liable for costs, losses, damages (regardless of their nature, be it direct, indirect, special, characteristic, whether punitive or punitive losses, including not only financial losses and misdemeanors) or missed opportunity, if in any form it is resulting from accessing, using or not using this website, regardless of whether we are aware of the possibility of such damages and regardless of the form of the case, is based on contract, guarantee, legal obligation (including negligence), strict obligation or other grounds.
V Copyright and Trademarks
5.1.    Liberty Bank and third parties, if this is expressly stated, retain ownership, copyright © and all non-proprietary rights in connection with the Site. It is prohibited to publish, reproduce, transmit or store the contents of this website in whole or in part, unless the owner of the property, copyright or other non-property rights has consented to the relevant action. Prohibition does not apply to storing or printing on a computer for personal use only. It is permissible to cite the content of the website in accordance with applicable law. In case of citation it is necessary to indicate the source. Trademarks and logos on the Website may be reproduced, published or distributed without the prior written consent of the copyright holder if permitted by applicable law.
5.2.    Participants in forums, chat rooms, debates, and other related sites on the Website may submit only those materials on which they own the copyright or in which they have otherwise acquired this right. It is considered that the participant who provides the material, and when submitting the material, consents to Liberty Bank storing, distributing or publishing this material, electronically or otherwise.
VI Possible interruptions (delays) in the service
6.1.    You are solely responsible for the ownership and use of the telephone, computer, software and other equipment required to access and use this Website. Access to the Website may at times be impeded, restricted, interrupted or slowed down for the following reasons, and not only:

  • Equipment malfunctions, including and not limited to computers (including your computer), servers, networks, telecommunication lines and communications, and other electronic and mechanical equipment;
  • Program interruptions included but not limited to software bugs, errors, viruses, configuration problems, incompatibility of systems, utilities, applications, firewalls, and screening programs work, unreadable codes or irregularities in individual documents or other contents;
  • System overload;
  • Damage caused by bad weather, earthquake, war, insurrection, riot, terrorist act, civil unrest, natural disasters, accident, fire, water damage, explosion, mechanism failure or natural disaster;
  • With total or partial interruption of the supply of electricity or other utilities;
  • Full or partial strike or other delay in the labor process;
  • Restrictions imposed by government or law, court decisions or other human interference; Or
  • For any other reason (be it similar or dissimilar to the above) that is not under our control.

6.2.   If access to the Website is inaccurate, delayed or restricted, or if the Website does not work quickly and smoothly, you may not be able to provide guidance on transactions and other matters or these instructions may not be followed properly or you may not be able to receive information in a timely manner. If your operations depend on such communication with us and the communication is interrupted or delayed, you may be harmed. Liberty Bank is not liable for such damage.

VII Links connecting to other sites
7.1.   While Liberty Bank offers links to third party websites, it does not imply that Liberty Bank recommends the products, services, opinions, ideas or information offered on or through those websites. By using these links you are acting only at your own risk and Liberty Bank assumes no liability or responsibility for the content, use or availability of these websites. If you decide to go to a website that is not under our control, we do not guarantee, directly or implicitly, that you may or may not use such site, the content of the site, including its accuracy, completeness, reliability or suitability for any particular purpose; Also, we do not warrant that this site or its contents are free from claims that may be related to copyright, trademark or other infringement of third party rights. We also do not warrant that such site or its content is free from viruses or other harmful factors. We do not guarantee the authenticity of documents available on the Internet. Liberty Bank has not verified the authenticity, accuracy, reasonableness, reliability or completeness of the content of such websites.
7.2.    In addition, these third party websites may have different security policies or other security practices from our website, so it is important that you familiarize yourself with the policies of these other sites before you exchange any personal information with them.
VIII Warning to foreign customers
8.1.    This website is mainly aimed at those users who are interested in investing in the Georgian market or getting services. The investment products and services advertised here, as such, may not be available to private customers outside the territory of Georgia or may not be appropriate for tax or other purposes.
8.2.    Depending on the nature and content of the investment advertisements and / or statements that may be posted on the Website from time to time, you may need additional advice or consultations from legal, tax or investment specialists.
IX Current legislation and jurisdiction 
9.1.   This website and the rules of its use are regulated by the legislation of Georgia and must be interpreted in accordance with it, regardless of whether you live or do business through Liberty Bank in Georgia. All lawsuits and claims against Liberty Bank and any dispute arising out of or in connection with your access to and use of this website, as well as the terms of these Terms of Use and / or the Privacy and Security Policy, shall be submitted to the courts of Georgia only.
 9.2.   You agree to the jurisdiction and location of the courts in Georgia to the extent that any bank may bring any action against you arising out of or in connection with your access to or use of this Website and the Terms of Use and / or the Privacy and Security Policy at the consideration of the Court of Georgia.

9.3. This website is not connected to and is not intended to be distributed or used by any person or organization in any jurisdiction or country where the publication or availability of this website or any such distribution or use is in contrary to local laws or regulations. If you intend to obtain information from this website, you will be responsible for complying with all applicable local, national and international law, and your use of this website in such jurisdictions will be at your own risk. Contact your legal counsel for advice on your specific circumstances.
If it becomes impossible to enforce these Terms and / or any privacy and security policy, the remaining rules and regulations will remain untouched and the unenforceable rule or regulation will be replaced by the enforceable rule or regulation closest to the purpose of the unenforceable rule or regulation. These Terms of Use and the Privacy and Security Policy are subject to any other agreements you have entered into with Liberty Bank. We reserve the right, in our sole discretion, to make changes to these Terms of Use and the Privacy and Security Policy at any time and without prior notice.