Please take a moment to carefully review the information provided on this page. By accessing this website, you acknowledge and agree that you fully and unconditionally accept the terms and conditions set out below. TBC Bank JSC reserves the right to amend these terms and conditions at any time, without prior notice (except where notification is required under applicable law). Each time you revisit this website, it will be deemed as your continued acceptance of the current terms and conditions.

The information provided on the Bank’s website is intended for individuals/entities interested in obtaining the Bank’s services within the territory of Georgia. Based on the Bank’s decision and/or other objective circumstances, the information presented on this website may not be available in all geographic regions worldwide.

Specific services, products, and/or information presented on this website may be governed by special terms and conditions and/or separate agreements. Please also note that you may be required to seek additional consultation regarding such services, products, and/or information.

The terms used in this document shall have the following meanings:

You / User – any individual or legal entity who uses this website and/or any service provided by JSC TBC Bank.

We / Bank – JSC TBC Bank, identification code: 204854595.

Website – this website.

Information – any type of information provided to the User by the Bank and/or any of its employees, in any form, including but not limited to information published on this website. Such information may be presented in various forms and formats, including letters, opinions, analytical materials, research results, charts and graphs, charters and agreements, as well as other documents, whether in physical, electronic, or oral form.

Third Party – any person other than the Bank and the User, including but not limited to individual or entity and public institutions.

Party / Parties – any natural or legal person engaged in a legal relationship with the Bank.

Legislation – the applicable laws and subordinate normative acts of Georgia, as well as international treaties and agreements that form part of the Georgian legal system.

This Agreement governs the terms and conditions of use of this website, which, without limitation, includes access to electronic services, products, and information offered or made available by the Bank through this website.

If you are our customer and a specific banking service agreement has been executed between you and the Bank, these terms shall apply together with the provisions of that agreement, unless otherwise provided therein.

The Bank bears full responsibility for any information published on this website by the Bank concerning the Bank itself and/or its products and services.

The availability of any information presented on the website may depend on the functions and limitations of search engines. The Bank shall not be liable for cases where certain components of the website are inaccessible to you for reasons beyond the Bank’s control.

The information provided on this website is intended solely for users’ personal use. You are obligated not to distribute, transfer, copy, or reproduce any information, structure, images, and/or design of the website for commercial purposes without the Bank’s prior written consent. Prior written consent is not required if the information or content of the website is used for personal or educational purposes.

The User is strictly prohibited from any unauthorized use of this website or the information and electronic data contained herein, as well as from any unauthorized access to the electronic system. In cases where the User’s use of this website does not comply with the rules established by this document or by a specific agreement executed with the User, the Bank reserves the right to terminate, without prior notice, the User’s access to the website and the services provided under these terms, and to take measures prescribed by law.

When registering on the website (if applicable), you are required not to disclose your username and password to any third party. In such cases, the Bank shall not be liable for any unauthorized access to the system or for any damage resulting from such unauthorized access, unless otherwise provided by these Terms, a specific agreement, or applicable law.

When using the website, the User is prohibited from engaging in any illegal or fraudulent activity; making defamatory statements or using hate speech; or posting, transmitting, or distributing any undesirable information that may harm the interests, business reputation, or rights of the Bank or any third party, or that violates applicable law. Any consequences arising from such actions shall be solely your responsibility. Furthermore, you assume full responsibility for any malfunction of the devices you use to access the website and for any damage resulting from such malfunction.

Please note that the information published on the website may include forward-looking statements based on the Bank’s estimates concerning future matters such as the Bank’s financial results, business plans, and strategies. Such forecasts may involve certain risks, and due to unforeseen factors, actual results may differ materially from those projected. Circumstances that may cause such differences include, but are not limited to, new regulations, competitive dynamics, technological developments, and other factors. Accordingly, neither the Bank nor its shareholders, directors, officers, employees, representatives, or agents provide any express or implied warranty regarding the accuracy, completeness, or correctness of the information and opinions presented on this website.

The terms and conditions related to financial instruments and/or any other services are provided for informational purposes only. Such information does not constitute an offer, invitation, or solicitation by the Bank for you to purchase, sell, or otherwise obtain any financial instruments and/or services (except in cases where the Bank expressly presents such information as a public offer in accordance with applicable law). The information published on the website should also not be construed as a recommendation to obtain or dispose of any service, product, or funds, or to enter into any transaction or make any investment decision.

The Bank shall not be liable for any information you submit to the Bank through this website. Likewise, the Bank shall not be responsible for any damage arising from the use of such information if such damage results from the intentional submission of false or inaccurate information to the Bank, and if the Bank did not know and could not reasonably have known that such information was wholly or partially false or inaccurate.

Please also note that you are solely responsible for protecting and storing any information obtained through this website.

Any information on this website regarding third parties or partner companies is provided solely for the purpose of informing users.

Users should be aware that, since the links published on the website are owned by third parties, they may be subject to terms and conditions different from those set out in this document. Accordingly, users are responsible for independently reviewing and familiarizing themselves with such terms.

Although the Bank makes every effort to ensure that only secure third-party links are published on its website, users access such links at their own discretion and risk. The Bank assumes no responsibility for any information provided by third parties or partner companies, nor for the content, use, or availability of their websites.

The Bank’s copyright fully applies to this website and to all content published on it (including products and services), as well as to its structure and design. Exclusive rights also extend to any intellectual property objects created and registered by the Bank, including but not limited to its trademarks.

No person may use, without the Bank’s prior written consent, any information or content published on the Bank’s website, including but not limited to the Bank’s logo, images, patents, graphics, pictograms, trademarks, visual media, design elements, or any other form of intellectual property.

The publication of intellectual property on the website does not constitute the granting of any license or right of use to the user. Unless otherwise specified by these Terms or by an agreement between the Parties, any reproduction, display, distribution, or dissemination of the website’s content, in whole or in part, by any means or in any form, is strictly prohibited. The use of information published on the website is permitted solely for personal, non-commercial purposes, and only with proper attribution to the holder of the copyright or intellectual property rights.

If any of the Bank’s websites provide users with the ability to engage in chat, interaction, or dialogue/discussion, the user must ensure that any information shared through such channels is content over which the user holds intellectual property rights or has obtained the necessary authorization from the rights holder.

Information published on the Bank’s website regarding third parties (including logos, names, or trademarks) may constitute intellectual property owned exclusively by those third parties.

The Bank may request personal data from the user as necessary and only to the extent required to provide effective service and/or deliver a specific product. The collection and processing of personal information are carried out based on your prior written consent and/or in cases expressly provided for by law.

The Bank takes appropriate measures to protect the information you provide. However, given that the remote transmission of your data may not always be encrypted, the Bank applies all reasonable technical and organizational safeguards to ensure the protection of your data. Nevertheless, during remote communication, the risk of unauthorized access by third parties cannot be entirely eliminated.

The information provided by the user may be used by the Bank for the purposes of preparing evaluations, conducting statistical analyses, assessing service quality, and developing or improving services. Such information will be shared with third parties only based on your written consent, in accordance with the terms of agreements concluded between you and the Bank, and/or in cases directly provided for by law.

This Agreement is governed by the laws of Georgia. The invalidity of any part, clause, or specific provision of this Agreement shall not render the entire document invalid.

In the event of a dispute, the Parties shall make every effort to resolve it through mutual negotiations. If no agreement is reached, the dispute shall be submitted for consideration to the courts of general jurisdiction of Georgia, in accordance with the procedures established by law.

For any questions, recommendations, or claims related to these terms and conditions or the information provided on this website, please contact us at:

Address: 7 Marjanishvili Street, Tbilisi, Georgia

Email: info@tbcbank.com.ge

Phone: (+995 32) 27 27 27