Terms of Use

1. General

1.1. Please read these terms before using this website (the “Website”). By accessing the Website, you agree to these terms and disclaimers (the “Terms”).

1.2. Before using the Website, read these Terms together with our Privacy Policy and Cookies Policy.

1.3. “You” and “your” refer to you and any person accessing the Website in relation to your account.

1.4. “Bank”, “we”, “us”, and “our” refer to The Kingdom Bank Corporation, First Floor, 43 Great George Street, Roseau, Commonwealth of Dominica, Postcode 00109-8000, and, where applicable, its successors, assigns, transferees, and affiliates.

1.5. Our products and services are subject to the applicable Terms and Conditions and annexes, these Terms of Use, and Privacy Policies (together, the “Agreement”). If these Terms conflict with the Terms and Conditions, these Terms govern use of the Website and the Terms and Conditions govern other matters.

1.6. Defined terms not explained here have the meanings given in the Terms and Conditions.

1.7. These Terms must be read with any terms, conditions, and disclaimers on individual Website pages. Page-specific provisions prevail to the extent of an inconsistency. We may update Website information and these Terms. Please review them regularly; continued use after an update constitutes acceptance where permitted by law.

2. Users of This Website

2.1. The Website is owned, operated, managed, and issued by the Bank, which is licensed to conduct banking business by the Financial Services Unit of the Commonwealth of Dominica. It is primarily intended for access outside the Eastern Caribbean Currency Union. We do not represent that the Website or its information complies with every other jurisdiction or is suitable for use everywhere.

2.2. You are responsible for use of the Website through your device and for ensuring users comply with these Terms. Information must not be distributed or used where unlawful. The Website is not an invitation or inducement to conduct banking or investment activity or an offer to buy or sell securities or instruments. We may change fees and amend, withdraw, postpone, or decline to release products or services according to applicable terms and law.

3. Country Guidelines

3.1. Products, services, and investments described on the Website are not available in every jurisdiction and may be limited by local law and regulation. Users must identify and comply with restrictions that apply to them.

3.2. The Website is not an invitation to buy or solicitation to sell products, services, investments, or securities where making such an offer or solicitation would be unlawful.

4. Our Information

4.1. The Kingdom Bank Corporation is a licensed and regulated bank registered at First Floor, 43 Great George Street, Roseau, Commonwealth of Dominica, Postcode 00109-8000.

5. Complaints

5.1. If you are dissatisfied with our service, contact us as soon as possible. We will review the matter and, where appropriate, take corrective and preventive steps. Feedback may be used to improve products and services.

6. Contacting Us Online

6.1. Existing internet-banking clients should use the authenticated Contact Centre after logging in. Other users may email info@thekingdombank.com, but ordinary email may be less secure than the Contact Centre.

6.2. To report a security breach or concern, telephone the Bank and confirm the report in writing to info@thekingdombank.com from the email address associated with your account.

7. Contacting Us by Post

7.1. Write to: The Kingdom Bank, First Floor, 43 Great George Street, Roseau, Commonwealth of Dominica, Postcode 00109-8000.

8. Credit

8.1. Credit and mortgages may be available where applicable. Credit is subject to status, and secured lending is subject to acceptable security and applicable terms.

8.2. Property may be repossessed if required mortgage repayments are not maintained.

8.3. Any debit or credit card provided by the Bank is subject to the applicable regulated product framework and terms.

9. No Offer

9.1. Website content is not an offer or solicitation to acquire or dispose of an investment, a basis for an investment decision, investment advice, or a recommendation to buy or sell investments or securities.

10. Products and Services

10.1. Products and services may depend on correspondent-banking facilities, insurance, providers, licences, commercial viability, and other operational arrangements. Features may be unavailable in certain markets or generally, temporarily or permanently, and the service ecosystem may need to be restructured.

11. Investments

11.1. Investments and their income can fall as well as rise, and you may lose some or all of the amount invested. Exchange-rate movements, overseas-market exposure, and differences between buying and selling prices can affect value. Consider your time horizon and obtain independent advice, including about exchange controls that may apply to particular nationalities or territories.

12. Crypto and Digital Currency

12.1. Trading or holding cryptoassets and digital currencies can involve substantial loss. Consider whether these activities are appropriate for your knowledge, objectives, risk tolerance, and financial circumstances.

13. Tax

13.1. Tax rules vary by jurisdiction. Obtain professional advice if you are uncertain about your obligations. You are responsible for required declarations and payments to tax authorities.

13.2. Your tax position depends on your circumstances. Website tax information reflects our understanding at the relevant time, may change, and is not legal or tax advice.

14. No Warranties

14.1. These limitations apply only to the extent permitted by law and do not exclude obligations that cannot lawfully be excluded. Website information is provided on an “as is” and “as available” basis. Although we take reasonable steps concerning accuracy and currency, we do not warrant that information is complete, accurate, current, or available. Use is at your own risk, and liability is limited to the maximum extent permitted by law.

14.2. We do not warrant uninterrupted or error-free access, absence of delays or data loss, or freedom from viruses or harmful components. You are responsible for appropriate device protection, backups, and security checks.

14.3. We make no representation or warranty about the accuracy, functionality, or performance of third-party software used with the Website.

15. Third-Party Sites and Endorsements

15.1. External links are provided for information or convenience. We do not control or verify third-party sites, content, privacy practices, or downloads and are not responsible for them to the extent permitted by law. Follow third-party links and use downloads at your own risk and review the third party’s terms, privacy notice, and software licence.

15.2. A link or reference does not imply endorsement or approval of a third party or its advice, opinions, information, products, or services.

16. Internet Email

16.1. Internet messages may be intercepted, lost, or altered and cannot be guaranteed secure. Use secure authenticated channels for sensitive communications.

16.2. We apply security procedures intended to prevent unauthorised access. The Bank will not ask by email or social media for passwords or similar security credentials. Report suspicious requests through an official contact channel.

17. Social Media

17.1. The Bank operates social-media channels to provide information, assistance, and engagement and may monitor and record comments about the Bank to improve services.

17.2. We are responsible only for content we publish ourselves and do not endorse third-party posts or provide investment, tax, or other professional advice through social media.

17.3. Social-media providers control their own systems and may store data outside your jurisdiction. Posts may be public. Do not post personal, account, financial, or security information. We may remove posts from our pages where possible, but removal may not protect information already disclosed.

17.4. We monitor official accounts and welcome feedback but cannot guarantee that every message will be read or answered.

17.5. Suggestions may be shared internally for consideration, but we do not guarantee that any proposal will be implemented.

18. Trademarks and Copyright

18.1. Unless stated otherwise, Website screens, information, materials, and their arrangement are owned by or licensed to the Bank. You may print, copy, download, or temporarily store extracts for personal information or use of our services without alteration. Other use, republication, framing, or linking requires prior written permission where applicable.

19. Governing Law

19.1. Your contract with the Bank and pre-contract dealings are governed by the laws of the Commonwealth of Dominica, subject to any mandatory law that applies. Contract terms and communications are in English. We will first try to resolve disputes through support. The Commonwealth of Dominica does not provide a banking ombudsman or financial-services compensation scheme.