1 About our Terms

  • 1.1 These Terms explain how you may use this website (the Site) which is provided by us free of charge.
  • 1.2 References in these Terms to the Site includes the following websites www.eximwave.com and all associated web pages.
  • 1.3 You should read these Terms carefully before using the Site.
  • 1.4 By accessing or using the Site or otherwise indicating your consent, you agree to be bound by these Terms and the documents referred to in them.
  • 1.5 If you do not agree with or accept any of these Terms, you should stop using the Site immediately.
  • 1.6 If you have any questions about the Site, please contact us by:

1.7 Definitions

Acceptable use policy means the policy which governs your permitted use of the Site;
Content means any text, images, video, audio or other multimedia content, software or other information or material submitted to or on the Site;
Online terms and conditions for the supply of goods means the terms and conditions which will apply to you using the Site;
Terms means these terms and conditions of use as updated from time to time under clause 12 ;
Unwanted Submission has the meaning given to it in clause 6.1 ;
we means Euro Exim Bank and the registered office of which is at Office 2, 1st Floor, La Place Creole Building, Rodney Bay, Gros Islet, St. Lucia, West Indies (and us or our shall have the same meaning) . References to we, our and us in these Terms also includes our group companies from time to; and
you means the terms and conditions which will apply to you using the Site;
Content means the person accessing or using the Site or its Content (and your shall have the same meaning).

  • 1.8 We are a member of the following associations: Caribbean Association of Banks (CAB).

2 Using the Site

  • 2.1 The Site is for personal use only.
  • 2.2 You agree that you are solely responsible for
    • 2.2.1 all costs and expenses you may incur in relation to your use of the Site; and
    • 2.2.2 keeping your password and other account details confidential.
  • 2.3 The Site is intended for use only by those who can access it from within the UK, Saint Lucia and Estonia. If you choose to access the Site from locations outside those, you are responsible for compliance with local laws where they are applicable.
  • 2.4 We seek to make the Site as accessible as possible. If you have any difficulties using the Site, please contact us.
  • 2.5 As a condition of your use of the Site, you agree to comply with our Acceptable use policy and our Online terms and conditions for the supply of goods, where applicable.
  • 2.6 We may prevent or suspend your access to the Site if you do not comply with any part of these Terms, any terms or policies to which they refer or any applicable law.

3 Your privacy and personal information

  • 3.1 Your privacy and personal information are important to us. Any personal information that you provide to us will be dealt with in line with our privacy policy, which explains what personal information we collect from you, how and why we collect, store, use and share such information, your rights in relation to your personal information and how to contact us and supervisory authorities in the event you have a query or complaint about the use of your personal information.
  • 3.2 Our privacy policy is available on our website.

4 Ownership, use and intellectual property rights

  • 4.1 The Site and all intellectual property rights in it including but not limited to any Content are owned by us and our licensors. Intellectual property rights means rights such as: copyright, trademarks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). We and our licensors reserve all of our rights in any intellectual property in connection with these Terms. This means, for example, that we and they remain owners of them and free to use them as we and they see fit.
  • 4.2 Nothing in these Terms grants you any legal rights in the Site other than as necessary to enable you to access the Site. You agree not to adjust to try to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within the Site.
  • 4.3 Trademarks: The use of any trademarks on the Site is strictly prohibited unless you have our prior written permission.

5 Software

  • 5.1 Software may be made available for you to download in order to help the Site work better. You may only use such software if you agree to be bound by the terms and conditions that apply to such software (this is sometimes known as an ‘end user licence agreement’ or ‘EULA’). You will be made aware of any terms and conditions that apply to the software when you try to download it. If you do not accept such terms and conditions, you will not be allowed 3 to download the software. You should read any terms and conditions carefully to protect your own interests (they may contain provisions that set out what your legal rights are under, eg, the Consumer Rights Act 2015, what your legal responsibilities are when using software, what the software provider’s legal responsibilities are, and provisions that limit a software provider’s legal responsibilities to you).
  • 5.2 All such software is solely for your personal use in a non-commercial manner.
  • 5.3 Using the software in an unlawful way (such as reproducing or redistributing it in a way that breaches these Terms and any others that apply to it) is expressly prohibited and may result in civil and criminal penalties.

6 Submitting information to the Site

  • 6.1 While we try to make sure that the Site is secure, we cannot guarantee the security of any information that you supply to us and therefore we cannot guarantee that it will be kept confidential. For that reason, you should not let us have any patentable ideas or patent applications, advertising or marketing suggestions, prototypes, or any other information that you regard as confidential, commercially sensitive or valuable (Unwanted Submissions). While we value your feedback, you agree not to submit any Unwanted Submissions.
  • 6.2 We may use any Unwanted Submissions as we see reasonably fit on a free-of-charge basis (bear in mind that we have no way of knowing whether such information is confidential, commercially sensitive or valuable because we do not monitor the Site to check for these matters). Therefore, we will not be legally responsible for keeping any Unwanted Submissions confidential nor will we be legally responsible to you or anybody else for any use of such Unwanted Submissions.

7 Accuracy of information and availability of the Site

  • 7.1 While we try to make sure that the Site is accurate, up-to-date and free from bugs, we cannot promise that it will be. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on the Site is at your own risk.
  • 7.2 We may suspend or terminate operation of the Site at any time as we see fit.
  • 7.3 Content is provided for your general information purposes only and to inform you about us and our products and news, features, services and other websites that may be of interest. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes.
  • 7.4 While we try to make sure that the Site is available for your use, we do not promise that the Site is available at all times nor do we promise the uninterrupted use by you of the Site.

8 Hyperlinks and third-party sites

  • The Site may contain hyperlinks or references to third party websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third-party website does not mean that we endorse that third party’s website, products or services. Your use of a third-party site may be governed by the terms and conditions of that third-party site.

9 Limitation on our liability

  • 9.1 You agree to the limitation liability clause to the maximum extent permitted by applicable law that we will in no way be liable for any direct, indirect, incidental punitive, consequential, special or exemplary damages or any damages including damages 4 resulting from revenue loss, profit loss, use, data, goodwill, business interruption or any other intangible losses (whether we have been advised of the possibility of such damages or not) arising out of our website or services (including, without limitation to inability to use, or arising from the result of use of our website or services) whether such damages are based on warranty, tort, contract, statute or any other legal theory.
  • 9.2 Except for any legal responsibility that we cannot exclude in law (such as for death or personal injury) or arising under applicable laws relating to the protection of your personal information, we are not legally responsible for any:
    • 9.2.1 losses that:
      • (a) were not foreseeable to you and us when these Terms were formed; or
      • (b) that were not caused by any breach on our part;
    • 9.2.2 business losses; and
    • 9.2.3 losses to non-consumers.

10 Warranty Disclaimer

  • We provide all materials “as is” with no warranty, express or implied, of any kind. we expressly disclaim any and all warranties and conditions, including any implied warranty or condition of merchantability, fitness for a particular purpose, availability, security, title, and non-infringement of intellectual property rights, without limiting the generality of the foregoing, we makes no warranty that our website and services will meet your requirements or that our website will remain free from any interruption, bugs, inaccuracies, and error free. Your use of our services are at your own risk and you alone will be responsible for any damage that results in loss of data or damage to your computer system. no advice or information, whether oral or written obtained by you from our website or our services will create any warranty or condition not expressly stated.

11 Events beyond our control

  • We shall have no liability to you for any breach of these Terms caused by any event or circumstance beyond our reasonable control including, but not limited to, strikes, lock-outs or other industrial disputes; breakdown of systems or network access; or flood, fire, explosion or accident.

12 Rights of third parties

  • No one other than a party to these Terms has any right to enforce any of these Terms.

13 Variation

  • These Terms are dated September 2019. No changes to these Terms are valid or have any effect unless agreed by us in writing or made in accordance with this clause 12 . We reserve the right to vary these Terms from time to time. Our updated Terms will be displayed on the Site and by continuing to use and access the Site following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these Terms from time to time to verify such variations.

14 Disputes

  • 14.1 We will try to resolve any disputes with you quickly and efficiently.
  • 14.2 If you are unhappy with us please contact us as soon as possible.
  • 14.3 If you and we cannot resolve a dispute using our complaint handling procedure, we will:
    • 14.3.1 let you know that we cannot settle the dispute with you; and
    • 14.3.2 give you certain information required by law about our alternative dispute resolution provider.
  • 14.4 If you want to take court proceedings, the relevant courts of the Saint Lucia will have exclusive jurisdiction in relation to these Terms.
  • 14.5 Relevant Saint Lucian law will apply to these Terms.