Introduction

Welcome to the Banking & Investment website ("American Express”). These Terms and Conditions (“Terms”) govern your access to and use of this Website and any related services, content, tools, or information provided through it. By accessing or using this Website, you agree to be legally bound by these Terms. If you do not agree, you must discontinue use of the Website immediately.

Restrictions

You agree not to:

• Use the Website for any unlawful, fraudulent, or unauthorized purpose

• Interfere with or disrupt the operation or security of the Website

• Attempt to gain unauthorized access to any systems, accounts, or data

• Copy, modify, distribute, reverse engineer, or exploit any part of the Website without prior written consent

We reserve the right to suspend or terminate access to the Website if these Terms are violated.

Your Content

Any information, data, or materials you submit through the Website must be accurate, lawful, and not infringe upon the rights of any third party. By submitting content, you grant us a non-exclusive, royalty-free right to use, reproduce, and process such content for the purpose of providing our services, in accordance with applicable laws and our Privacy Policy.

No warranties

The Website and its content are provided on an “as is” and “as available” basis. We make no warranties, express or implied, including but not limited to warranties of accuracy, reliability, merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that the Website will be uninterrupted, secure, or error-free.

Limitation of liability

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of, or inability to use, the Website, even if advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless the company, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses arising from your use of the Website or your violation of these Terms.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Variation of Terms

We reserve the right to amend or update these Terms at any time. Changes will be effective upon posting on the Website. Your continued use of the Website constitutes acceptance of the revised Terms.

Assignment

You may not assign or transfer your rights or obligations under these Terms without prior written consent. We may assign these Terms as part of a corporate reorganization, merger, or transfer of assets.

Entire Agreement

These Terms constitute the entire agreement between you and us regarding your use of the Website and supersede all prior agreements or understandings, whether written or oral.

Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction in which the company operates. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.