TERMS AND CONDITIONS

Before navigating through the INTELIGO BANK website (hereinafter referred to as the Bank), registered under the domain www.inteligobank.com (hereinafter, the "Site"), we kindly request you to read this notice of "General Terms and Conditions." Please be aware that the use of the services implies that you have accessed and read the content of all buttons available on the Site, and consequently, you have accepted the terms and instructions provided herein regarding the "General Terms and Conditions." These "Terms" are additional to the terms considered in contracts and disclosures that have been provided to you and any other agreement or terms and conditions governing the banking products and services you may have with us.

The term "User" identifies all individuals who access the Site.

Applicable Law and Jurisdiction

Regardless of the country from which you have accessed this site, users agree that the following "General Terms and Conditions" are governed and interpreted in accordance with the laws and regulations of The Bahamas. Any dispute arising in connection with the content, interpretation, execution, and/or termination of these "General Terms and Conditions," the rest of the content on the Site, and/or the reports or transactions that users submit or carry out through the Site will be resolved by the courts of The Bahamas.

Links

The Site presents, among its various functionalities, links to other sites on the network that are not owned by the Bank. The Bank assumes no responsibility for the contents, handling of user information, materials, products, or services offered by any linked site.

Cookies

When you navigate our website, we strive to make it a simple and beneficial experience. Automatically, after the corresponding option is accepted, the Site will transfer to users a recognition software designed to identify and store relevant user data on the accessing computer. This is done to facilitate and expedite subsequent accesses to the Site, avoiding unnecessary data repetition and tailoring the presentation and content of the Site for the users' greater convenience. While the use of cookies is optional for users, the Bank cannot guarantee that there will be no issues with access and unintentional use if this feature is rejected. At no time will the Bank be responsible for any damage, including but not limited to direct or indirect, incidental, or consequential damages, losses, or expenses arising from connectivity to this Site or any linked site, or from the use or inability to use by either party, or in connection with a failure of performance, error, omission, interruption, defect, delay in operation, transmission, or system or connectivity line failure, viruses, and other destructive aspects.

Rights and Duties of the User

Users may browse and view the Site unlimitedly at no cost. They may also print various contents of the Site for their personal use, reproducing, in all cases, the "Trademark" and "Copyright" notices included in said contents. Users are not allowed to alter or modify the Site, its presentation, contents, and/or functionalities; show it to third parties, reproduce it, or, in any way, use it for commercial or public purposes, either by printing and reproducing its contents and/or linking to the Site (through unauthorized links, framing and/or banners, metatags, and/or any other form or technique of linking not authorized by the Bank) with other sites on the network and/or any other local or remote computerized network, public or private, without the prior written authorization of the Bank.

Without prejudice to the obligation to compensate the Bank for damages in case of a possible breach by users of the current regulations in the Republic of Panama on "Trademarks," "Copyright", and any other protections granted by Intellectual Property Law, it is established that any breach by Users of those rules and/or these "General Terms and Conditions of Use" will imply the immediate revocation of the authorization to access and navigate the Site, without prior notice. In this sense, Users agree that access to the Site may be denied if the Bank suspects that such violations have taken place, committing to restore and/or destroy the material obtained from the Site for illegitimate purposes. Likewise, Users irrevocably authorize the Bank to apply the usual computer security measures in these cases.

Rights and Duties of the Bank

The Bank reserves the right to modify, at any time, the content and facilities available on the Site or, in any other way, limit access to it, and may even discontinue it without prior notice.

The Bank does not guarantee the updating of the information provided on the Site, although it commits to making its best efforts to provide current information.

The Bank is committed to safeguarding the personal information of clients from potential unauthorized third parties attempting to access it improperly, whether from the network or other means.

All the above-mentioned terms are:

SUBJECT TO CHANGE AT ANY MOMENT WITHOUT PRIOR NOTIFICATION.