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Terms and Conditions
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Bank of Valletta p.l.c. Web Site 
Important Information and Terms and Conditions of Use This Important Information and these Terms and Conditions of Use relate to how you use our web-site ("Site") and any links we provide to other websites.

Note that Bank of Valletta products and services may be subject to separate terms and conditions which govern their use.

Read the following terms and conditions carefully. References to "you" or "your" are references to any person, whether legal (through its representative) or natural, accessing this Site. References to "we", "us" or "our" are references to Bank of Valletta p.l.c. and each of our subsidiaries and associated companies.

Company Information
Registered Office:58, Triq San Żakkarija, Il-Belt Valletta VLT 1130 - Malta Registration Number: C 2833
Bank of Valletta p.l.c. is a public limited company licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap. 370 of the Laws of Malta).
Bank of Valletta p.l.c. is an enrolled tied insurance intermediary of MAPFRE MSV Life p.l.c. MAPFRE MSV Life is authorised by the Malta Financial Services Authority to carry on long term business of insurance under the Insurance Business Act 1998.
Bank of Valletta p.l.c. is authorised to act as a trustee by the Malta Financial Services Authority.

Site Terms
This Important Information and these Terms and Conditions govern your use of this Site and by accessing this Site you agree to be bound by them. The information provided in the pages of this Site, this Important Information and these Terms and Conditions are subject to change and update from time to time by updating this posting and your continued access to or use of this Site will constitute your acceptance of any such changes.

Whilst every effort is made to ensure accuracy of the information provided on the Site, changes or updates of any information, terms or conditions on the Site may not necessarily coincide with the actual change or update of any information, terms or conditions relating to a product or service. Whilst every effort is made to ensure accuracy of the information provided on the Site, neither we nor any other person take any responsibility for the accuracy of the information provided and the use of such information is at your sole risk. Copyright and Trademarks The entire content of this Site is subject to copyright with all rights reserved and the information held is for your personal use only. You may not download (all or in part), copy, transmit, convert, transcribe, decode, reproduce or modify the Site without our prior permission. However, you may print out part or all of the Site for your own personal use. The display of trademarks in the pages of this Site does not imply that a licence of any kind has been granted.

Third Party Information, Products and Services Where we provide hypertext links to third party internet web-sites, such links are not an endorsement by us of any information, products or services in such web-sites. You use such links entirely at your own risk and we accept no responsibility or liability for the content, use or availability of such web-sites. We have not verified the truth or accuracy of any content of such web-sites. This Site may also contain some material provided by third parties and we do not necessarily agree with the content of such material. In addition, we accept no responsibility or liability for the accuracy of such material.

No third party is permitted to link any other web-site to this Site without obtaining our prior written consent. No Offer Nothing on this Site should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment, product or service or to engage in any other transaction, or to provide any investment advice or service. No Warranty Although we have taken all reasonable care to ensure that the information provided on this Site is accurate, we give no warranties of any kind, express or implied, with regard to the accuracy, timeliness or completeness of any such information. Opinions and any other contents at the Site are provided by us for personal use and informational purposes only and are subject to change without notice. Nothing contained on the Site constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision. Liability To the fullest extent permitted by law, and except to the extent that loss or damage is caused directly by our gross negligence or willful misconduct, we and any other person involved with the provision and maintenance of this Site, shall not be liable for any loss or damage whatsoever whether direct or indirect and whether in contract, tort, quasi-tort or otherwise, arising out of the use of or reliance on the information contained in the pages of this Site. We reserve the right to modify, suspend or discontinue, temporarily or permanently, the Site or any part of it, with or without notice, at any time. You agree that we shall not be liable to you or to any third party for any such modification, suspension or discontinuance of the Site. Indemnity You shall hold us harmless from any loss or damage suffered by any person as a result of your breach of any of these Terms and Conditions. Confidentiality If you obtain unauthorised access to any programs, data or other information which belong to us or our agent, you agree to treat such programs, data and information as confidential and agree not to disclose or make use of any of it (or any part of it) and will notify us immediately by contacting us at www.bov.com.

Security Notice In accessing this Site you accept that electronic mail and other transmissions passing over the Internet may not be free from interference by outside parties and may, therefore, not remain confidential. Consequently, although we have made every reasonable effort to make our system secure, we cannot guarantee the privacy or confidentiality of any information passing over the Internet. Unless otherwise expressly allowed in a particular page of the Site, transmissions to us shall not be considered as instructions, requests to purchase or obtain any product or service, or complaints by customers relating to such products or services. Severance Each of the provisions of these Terms and Conditions is severable from the others, and if at any time any one or more of such provisions, not being of a fundamental nature, is or becomes illegal, invalid or unenforceable, the validity, legality and enforceability of the remaining provisions of these Terms and Conditions shall not in any way be affected or impaired. Waiver No time or indulgence which we may extend to you nor any waiver by us of any breach by you of any provision of these Terms and Conditions shall affect our rights and powers hereunder. Contacting Us about this Site If you have any questions or comments about this Site or this Important Information or these Terms and Conditions, please contact us at www.bov.com.

Governing Law Maltese law governs this Important Information and these Terms and Conditions and all the information appearing on the pages of this Site is provided in accordance with and subject to Maltese law. Accordingly, by browsing or accessing this Site you have accepted Maltese law as the law governing the conduct and operation of this Site. The Courts of Malta shall have exclusive jurisdiction over all claims or disputes arising in relation to, out of or in connection with this Site and its use and this Important Information and these Terms and Conditions. This Site is designed for use in Malta and is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this Site or such distribution or use would be contrary to local law or regulation. If you choose to access information on this Site, it is your responsibility to comply with the applicable local, national or international laws and any use of this Site outside Malta is entirely at your own risk. For guidance relating to your specific situation, please contact your legal adviser. Should you decline to accept the above Important Information or any one or more of the above Terms and Conditions, we must ask you to immediately discontinue use of this Site and to disconnect from same.
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Should you wish to contact us in writing, below please find our mailing address:
BOV Customer Service Centre, BOV Centre, Triq il-Kanun, Central Business District, Santa Venera CBD 4060 - Malta
Email: [email protected]
Alternatively, you can use our phone no. +356 21312020
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We know that our biggest asset is our employees and understand that we can only be as good as our people. Various individual or team based incentive schemes are in place to motivate and reward our performers. We value teamwork and our success as a Bank has always been built around a close-knit team. Our incentives aim to reinforce team interaction. We also believe that within teams, we have high performers, and therefore we motivate and reward individuals who achieve and exceed their targets. BOV wants to incentivise all individuals within a team to work hard and to recognise performers who strive to reach new heights.
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Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).
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