The terms of this disclaimer (hereinafter referred to as 'Disclaimer') apply to the web site www.iibpk.com. of Innovative Investment Bank Limited (IIBL) with its head office located at 44-C/1, M.M. Alam Road, Gulberg III, Lahore, Pakistan.

The information provided on this web site is the property of IIBL. Without the written consent of IIBL, you (‘you’ is referred to as the person viewing, reading and using this web site) can not change the presentation, publish, broadcast, circulate, exploit, reproduce and transmit the information in any manner. By accessing this web site or using the information provided on or via this web site, you agree to be bound by this Disclaimer.

These terms and conditions are subject to change, without notice from time to time, at the sole discretion of IIBL.

Use of this Web Site
IIBL attempts to provide accurate, complete and updated information, which has been obtained from sources that are considered reliable. IIBL makes no warranties or representations, express or implied, as to whether information provided on or via this web site is accurate, complete or updated. Although this site is intended to provide accurate and timely information, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors.

The products, services, and any other information described on this site may change at any time. The information published on this site is provided as a convenience to you for informational purpose only. You should verify all information before relying on it and decisions based on information contained on this site would be your sole responsibility. The information provided on or via this web site should not be used as a substitute for any form of advice. For further information and advice, please call our UAN:+92-111-912-912.

Third Party Information
Where IIBL provides hypertext links to third party web sites, such links are not an endorsement by IIBL of any products or services provided on or via such web sites. The use of such links is entirely at your own risk. Neither IIBL nor any of its affiliates, directors, officers or employees accept responsibility or liability as it has not verified the truth, accuracy, reasonability, reliability, and completeness of any content of such web sites. IIBL will not be responsible for any loss or damage that could result from interception by third parties.

The site visitors should access the information manually by request and not programmatically by macro or other automated means.

Intellectual Property
IIBL retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site (including all texts, graphics and logos). You may not copy, download, publish, distribute or reproduce any of the information contained on this web site in any form without the prior written consent of IIBL. However, you may print and/or download information contained on this web site for your own personal use. Links to IIBL web site is not permitted without the prior written consent of IIBL.

Communication on the Net
Messages that you send to IIBL by e-mail may not be secure. IIBL recommends that you do not send any confidential information to us by e-mail. If you choose to send any messages to IIBL via e-mail, you accept the risk that they may be intercepted, misused and modified by a third party.

You are strictly prohibited from unauthorized use of our systems or this web site, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted to this web site.

Exclusion of Liability
Neither IIBL nor any of its parent, subsidiary or affiliate entities, agents, employees, or subcontractors shall  be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if IIBL is advised of the possibility thereof) arising in any way from, including but not limited to any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of this web site, the information provided on or via this web site, the interception, modification or misuse of information transmitted to IIBL or transmitted to you, the functioning or non-availability of this web site, the misuse of this web site, the loss of data,  downloading or use of any software made available by this web site, or claims of third parties in connection with the use of this web site. The exclusion of liability is also made for the benefit of directors and employees of IIBL.

Applicable Law
This web site and its Disclaimer shall be governed by and construed in accordance with the laws of Pakistan. All disputes arising out of or in connection with this Disclaimer shall be submitted to the exclusive jurisdiction of the courts of Pakistan.

  © 2008 Innovative Investment Bank Limited.