BLME
Boubyan Bank
Nomo

BLME
Boubyan Bank

Website and App Terms and Conditions of Use

Last published 19 Jul 2021

Website and App Terms and Conditions of Use

Please read these Terms and Conditions of Use (the “Terms of Use”) carefully. These Terms of Use as amended, varied or supplemented from time to time govern the use of www.nomobank.com and its contents (the “Website”) and the NOMO app (the “App”) by any user of the Website or App, whether as a guest or a customer (“you” or “your”). Use of the Website or App includes accessing, browsing, or registering to use the Website or App.

These Terms of Use contain important terms and will be legally binding on you if you accept them. For example, you should be aware that they provide certain warranties that the Website and App are provided on an “as is” basis with exclusions and limitations of our liability, and they may have an impact on how you use the Website, the App and/or the services provided by us.

By using the Website and/or the App, you are agreeing to these Terms of Use. If you do not agree with these Terms of Use, please do not use the Website or App. We recommend that you save a copy of these Terms of Use for future reference.

These Terms of Use are in addition, and are without prejudice, to any other agreements between us.

You should review these Terms of Use alongside our Current Account Terms and Conditions and Fixed Term Deposit Account Terms and Conditions made available on the App (if applicable to you).

Information About Us

The Website and App are both operated by Bank of London and The Middle East plc (“we”, “our” and “us”). We are registered in England and Wales under company number 05897786 and our registered office is at Cannon Place, 78 Cannon Street, London, EC4N 6HL, United Kingdom. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and are entered on the Financial Services Register under registration number 464292. Our office in Dubai is regulated by the DFSA under DFSA Firm Reference Number F003552. We are also registered with the UK data protection authority (the Information Commissioner’s Office or “ICO”) under number Z9829862. We specialise in providing banking, financing and investment services and we also operate the NOMO brand.

If you have any questions about these Terms of Use, or would otherwise like to contact us, please email support@nomobank.com.

If you have any technical questions about the App, or are facing technical issues, please contact us using the “Contact Us” section of the App. If you have any technical questions about the Website or are facing technical issues, please email support@nomobank.com.

Accessing the Website and App

The Website and App are made available free of charge.

We do not guarantee that the Website, the App or any content on either, will always be available or be uninterrupted at any given time. We may suspend, withdraw, discontinue or change all or any part of the Website or App (or suspend or withdraw your access to either) for business, operational or security reasons.

We will try to give you reasonable notice of any suspension or withdrawal, but will not be liable to you if for any reason the Website or App is unavailable at any time or for any period.

We try to keep the App and Website available at all times but this may not always be possible. For example, we may not be able to provide the App for technical, security or legal reasons, or if something happens that is outside our control.

We may also decide to make changes to the Website or App (including by adding new features). Depending on the update, you may not be able to use digital banking until you have updated your browser or software or downloaded the latest version of the App or updated your browser settings. You may also need to accept an updated version of these Terms of Use when accessing any updated version of the Website or App. We will try to notify you in advance of any changes we make to the Website and App. If you don’t want to accept the changes, please stop using the Website and/or App.

Data Protection, Privacy And Cookies

We will collect and use your personal data in accordance with our Privacy Notice. Our Privacy Notice can be found here.

We also use cookies to help run, manage and improve the Website, and for certain other purposes. You can find out more about what cookies are, which ones we use, and how you can manage your cookies settings by visiting our Website Cookies Policy, which is available on our Website.

Changes To These Website Terms

We reserve the right, without notice, to amend or revise these Terms of Use at any time, without any obligation or liability whatsoever towards anyone. We will upload the most recent version of the Terms of Use on the Website and make them available on the App and you are under an obligation to ensure that you have read, understood and accepted the Terms of Use each time you wish to access or use the Website or App.

No Advice Or Offer

The content of the Website and App are provided for general information only and shall not constitute an offer, solicitation or recommendation of any nature whatsoever. You should not rely solely on any information on the Website or App to make or refrain from making any decision of whatsoever nature (including any decision to obtain banking services from us) (each a “Transaction”). All Transactions must be based upon your own judgment after obtaining independent legal, financial, accounting, investment and other appropriate professional advice regarding the suitability of each such Transaction for your purposes.

Nothing on the Website or App shall be construed as us providing any legal, financial, accounting, investment or any other form of professional advice to you for any purpose whatsoever. We assume no responsibility to assess or advise on, and we make no representation as to, the appropriateness of any Transaction for any purpose.

Nothing in these Terms of Use or on the Website or App shall oblige us to enter into any Transaction with you.

The Website and the App may include links to third party websites and resources that are controlled and maintained by others. Any link to another website or resource is not an endorsement of any such website or resource and these links are provided for your information only. You acknowledge and agree that we have no control over, and are not responsible for, the content or availability of any third party website or resource. We will not be liable for any loss or damage that may arise from your use of such third party websites or resources.

Intellectual Property Rights

All copyright, trademarks and all other intellectual property rights in the Website, the App and all the content, data and information on the Website and App, including without limitation their design, logos, text, graphics and all software and source codes connected with the Website and App, are either owned by or licensed to us or otherwise used by us as permitted by the owner(s) thereof. The works on the Website and App are protected by copyright laws and treaties around the world and all such rights are reserved.

Cards are issued by Monavate Limited as Principal Member of MasterCard International on behalf of BLME.

Nothing in these Terms of Use shall be construed to confer any grant to, or licence of, any of such intellectual property rights. You may only use any of such intellectual property rights on or from the Website or App to the extent permitted under these Terms of Use and solely for your personal, non-commercial use.

Each of the following is a breach of these Terms of Use: (a) framing the Website or App on any other website, app or resource; (b) creating a link to any part of the Website or App on any other website, app or resource; (c) suggesting (in any way) any form of association, approval or endorsement on our part; or (d) collecting any data from the Website or App through automated means, such as through harvesting bots, robots, spiders or scrapers.

Your obligations

You must not use the Website or App for any purpose that is unlawful under any applicable law or as prohibited by these Terms of Use. You must also not copy, reproduce, modify or tamper with the Website, App or any of their content in any way, or use these items in a way that could damage or affect our systems or security or interfere with other users, or restrict anyone else’s use of the Website or App.

You must not misuse the Website or App by knowingly introducing viruses, trojans, worms, logic bombs or other material which is either malicious or technologically harmful. You must not attempt or facilitate or engage another to gain unauthorised access to the Website or App, the server on which the Website or App is stored or hosted, or any server, computer or database connected to the Website or App. You must not attack the Website or App via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website and/or App (as applicable) will cease immediately.

If someone else tries to access, or has accessed, your information on the App, or your access to the Website or App are otherwise compromised, please contact us as soon as possible to allow us to investigate.

Disclaimers And Our Responsibilities

Both the Website and App are and will be made available by us from time to time at our sole discretion on an “AS IS” and “AS AVAILABLE” basis without any representation or endorsement of any kind and without any warranty of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security or accuracy or of any other kind whatsoever, whether express or implied.

We make no warranty that the Website and the App will operate or be available error free, that defects will be corrected or that the Website and App or the server that make them available are free of viruses or anything else which may be harmful in any manner. You are responsible, at your own cost and expense, for configuring your network connection, devices and other information technology, in order to access the Website and App. Some features of the Website or App may not be available depending on your computer, mobile device or operating system. You should use your own virus protection software (if you think this is necessary). We will not be responsible for any third party services or products that you use to access the Website or App. We do not guarantee your access to the Website or the App, which may from time to time be unavailable, delayed, limited or slow due to any technical reasons and we will not be liable in any way for such delay or disruption in the operation of the Website or App, or any part of them, or for any failure of any connection or communication related thereto or the non-availability of any information in them. Please note that the App may also not be available if you do not keep it updated.

We will not be liable to you or any third party for the correctness, quality, accuracy, security, completeness or reliability of the Website, App or any information in them or for any decision made or action taken by you in reliance upon such information. Although we take reasonable steps to update the content on the Website and App, the content may be out of date at any given time, and we are under no obligation to update it and makes no representations, warranties or guarantees that the content of the Website or App are accurate or complete. Neither you nor we exclude liability for death or injury caused by negligence, or for any other liability that cannot be limited under law. Nothing in these Terms of Use shall exclude or limit or restrict our duties to you under the Financial Services and Markets Act 2000.

If you are dissatisfied with any part of the Website or the App or with these Terms of Use, your sole and exclusive remedy is to discontinue using the Website and/or App.

Ending these Terms of Use

If you do not agree to these Terms of Use (or any future versions of them), please stop using the Website and/or App (as applicable). Your right to use the Website or App will end automatically, but you will still be responsible for your use of them before you stopped using them.

In addition to our other rights set out in these Terms of Use or other terms applicable to you, we can terminate your access to the Website or App immediately and without notice if:

  • you seriously or repeatedly breach any of these terms;
  • we suspect that your mobile device is not secure or contains, or is vulnerable to, viruses or malicious software; or
  • we can no longer support the App.

Although we will try to inform you of our intention to terminate in advance, this may not always be possible (for example, we may be prevented from doing this under law).

Other terms

If any part of these Website Terms is determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction, those part(s) will be severed and the remaining parts in these Website Terms shall survive and remain in full force and effect and continue to be binding and enforceable.

These Website Terms may not be assigned or otherwise transferred by you without first obtaining our written consent. We may, by notice to you, assign or novate these Website Terms and its rights and benefits under them to any other organisation.

Governing Law

These Website Terms shall be governed by and construed in accordance with English law. You agree that the English courts have exclusive jurisdiction to settle any dispute arising out of or in connection with these Website Terms (including a dispute or claim relating to any non-contractual obligation arising out of or in connection with these Website Terms ). You further agree to waive any objection to the English courts, whether on the grounds of venue or that the forum is not appropriate.