General terms of use for the site

Article 1. Définitions

Article 2. Purpose of the Site 

Article 3. Enforceability

The Bank reserves the right to make any modifications to these General Terms that it deems necessary and useful as well as the option of modifying the contract in whole or in part in order to adapt it, in particular, to changes in its operations and /or changes in legislation.   

These General Terms are enforceable for the entire duration of use of the Site and until new general terms of use replace these. 

The Bank will convey the new general terms of use to the User by any available means, as soon as they come into effect. 

Article 4. Accès au Site

Access to the Site is free, excluding Internet service providers and the cost of telecommunications which are billed directly by the operators.

The User is informed that the Site is provided on the basis of a “state of the art” service and accessible depending on its availability, 24 hours a day, 7 days a week, except in cases of force major, IT difficulties, difficulties linked to telecommunications networks or other technical difficulties, without this list being exhaustive.

The Bank reserves the right, without notice or compensation, to temporarily or permanently suspend access to the Site to carry out an update, modifications or changes to operational methods, servers and accessibility hours, without this list being exhaustive. 

It is therefore the User’s responsibility to ensure the compatibility of their IT resources with developments on the Site.

The Bank cannot be held responsible for the inability to access the Site.

The Bank reserves the right to refuse access to any User if it becomes aware of facts suggesting fraudulent use or attempted fraudulent use of its Site or that the User has violated any of the navigation rules, it immediately informs the User, by any means at its convenience, which is expressly accepted by the latter.

Finally, access to the products and services described on this Site may also be subject to restrictions for certain people or in certain countries. None of the products or services presented here may be provided by the Bank to a person if the law of their country of origin, or of any other country which concerns them, prohibits it.  

The User is requested to ensure that he is legally authorized to connect to the Bank Site in the country from which the connection is established. 

Article 5. Security

The Site is an automated data processing system. Any fraudulent access, in particular to the personal spaces it contains, is prohibited and criminally sanctioned.

The Bank makes its best efforts, in accordance with the rules of the art, to secure the Site but, given the complexity of the Internet, it cannot ensure absolute security.

The User declares that (s)he accepts the characteristics and limits of the Internet and, in particular, acknowledges having knowledge of the nature of the Internet network, and specifically, its technical performance and response times for consulting, querying or transferring data. 

The User is aware that data circulating on the Internet is not necessarily protected, in particular against possible misappropriation.       

The User agrees to take all appropriate measures to protect their own data and/or software from contamination by possible viruses on the Internet.

Article 6. Responsability

The User undertakes to use the Site and the information to which (s)he has access only under the conditions defined by the Bank.

The pages and simulations that the User consults are of a purely informative nature. All data appearing on the Site is updated with the greatest care by the Bank, which strives to use only reliable sources.

Due to the rapid evolution and complexity of the subject matter processed, the Bank provides no guarantee concerning the accuracy and completeness of the information presented on the Site. For this reason the Bank rejects any liability in the event of direct or indirect damage resulting from access to the information, data and publications appearing on the Site, their consultation and their use. 

The applicability of the information appearing on the Site depends on the specific cases. The information does not replace advice or assistance in specific situations. The User is entirely responsible for the choice of information (s)he consults and the consequences of the use (s)he makes of said information. 

Furthermore, the User undertakes to (i) not disrupt the use that other users of the Site might carry out, (ii) not access third party spaces in order to commit any act that could jeopardize the IT security of the Bank or other users or visitors and (iii) not to interfere with or interrupt the normal operation of the Site. 

The User is prohibited in particular from modifying, copying, reproducing, downloading, distributing, transmitting, commercially exploiting and/or distributing in any way whatsoever the services, the pages or the computer codes of the elements composing the services and the Site. 

The Bank strives to carry out, in accordance with the current regulations, the operations requested by the User through the Site. Any disruption to the use of the Site cannot incur the liability of the Bank. 

The Bank cannot be held responsible or held liable in the event of temporary or total unavailability of all or partial access to the Site, any difficulty linked to response time and generally speaking, any performance deficiency. 

The Bank cannot be held responsible for breaches of IT security, which could cause damage to the User's computer equipment and their data. 

The Bank cannot be held responsible for the violation of these General Terms by another user.       

The Bank cannot be held liable in the event of indirect damage resulting from the use of the Site. 

The User may be called into question by the Bank, against any action which would be taken against it, or any complaint which would be filed against it, by a third party, due to the use by the User of the Site in conditions which do not comply with the General Terms. This appeal covers any sum that the Bank might be required to pay for any reason whatsoever, including attorney's fees and court costs recognized or awarded, within a reasonable limit. Use of the Site is not accompanied by any guarantee whatsoever. 

The Bank cannot be held responsible if any collection and transmission of personal data, installation of cookies or any other process for similar purposes are carried out by sites to which hypertext links are accessible from the Site or by web bounce/redirection. 

The Bank cannot be responsible for the use that may be made of financial information and data relating to financial instruments held by the User or for the consequences that may result, in particular from any decision taken on the basis of the information contained on the Site.  

The Bank reserves the right to take all measures it deems appropriate in order to prevent or put an end to the infringement of its copyrights or the copyrights of third parties, without any liability being incurred as a result. 

Article 7. ntellectual property

These General Terms do not entail any transfer of any kind of intellectual property rights to the elements belonging to the Bank for the benefit of the User.       

The Site, brands, designs, models, images, text, photos, logos, graphic charts, software, search engines, databases and domain names, without this list being exhaustive, are the exclusive property of the Bank. 

Any reproduction and/or representation, total or partial, of one of these rights, without the express authorization of the Bank, is prohibited and would constitute an infringement likely to incur the civil and criminal liability of the infringer. 

Consequently, the User refrains from any action and any act likely to directly or indirectly infringe upon the Bank’s intellectual property rights. 

The Bank grants the User the right of private, non-collective and non-exclusive use of the content of the Site. This right of use includes the right to reproduce for storage, for the purposes of representation on a single-station screen and to reproduce for printing on paper. Any networking/streaming or any form of rebroadcast, in any form, even partial, is therefore prohibited. This right is personal; it is reserved for the exclusive use of the User. It is not transmissible in any way.  

The User therefore undertakes to: 

• only download the content of the Site onto his/her computer for personal use for a limited period;   
•  only print downloaded pages of the Site on paper on the condition that said copies are strictly limited to personal use.       

The User undertakes not to copy, reproduce, alter, modify, create derivative works or disclose to the public any part of the content of the Site without the prior written consent of The Bank or that of the third parties concerned. 

Article 8. Hypertext links

The Bank cannot be held liable for hypertext links established to other sites, particularly with regard to the content of these sites. As the Bank is not the publisher of these sites, it cannot fully control the content.

Consequently, the Bank cannot under any circumstances be held responsible for the content of the sites thus accessible and in particular for their veracity, timeliness, quality, completeness, relevance, illegality, advertising, products, services or any other material available on or from these sites or external sources. 

Furthermore; the Bank cannot be held responsible for any collection and transmission of personal data, installation of cookies or any other process aimed at the same purposes, carried out by these sites. 

The existence of a link from the Bank's Site to another site does not therefore constitute a recommendation or validation of that site or its content. It is the responsibility of the User to use this information with discernment and critical thinking.       

The User of the Site may under no circumstances set up a hypertext link to another site, even if published on a personal basis, including any social network site, without prior written authorization from the Bank. 

Article 9. Personal data

Attijariwafa bank may collect, in its capacity as data controller, personal data concerning the User of the site for the following purposes: making appointments, internal management and management of the banking relationship with the customer.

This data is collected, processed and stored by the Bank, in accordance with the provisions of Law 09-08 of February 18, 2009 relating to the Protection of Individuals with regard to the Processing of Personal Data and Regulation (EU) 2016 /679 of the European Parliament and of the Council of April 27, 2016 (GDPR). 

The User of the site has the rights of access, rectification, portability, limitation of the processing of his/her data as well as the right of objection - except when they are collected under a law - to the processing of his/her personal data.

The User can exercise these rights by sending a request accompanied by a copy of their identity document to the following address: dpo@attijariwafa.com. He or she is also entitled to lodge a complaint with the competent supervisory authority.

To find out more, we invite the user to consult our data protection policy accessible at the following address: data protection policy

Article 10. Commercial prospecting

Commercial prospecting by email is authorized if the recipient's contact details have been collected in compliance with the provisions of Law 09-08 relating to the Protection of Individuals with regard to the Processing of Personal Data.       

The User has the right to object, free of charge, to the data concerning him/her being used for such purposes. 

Article 11. Recommendation

To protect the confidential nature of their requests, the User is invited to take appropriate measures, depending on their own software and/or hardware, to either prevent the data consulted from being stored in their microcomputer or to delete it once the consultation session is over.

If data is imported into management software, the User will ensure that unauthorized third parties are prevented from accessing it.

As such, the User alone assumes the risks of manipulation and use of his/her connection terminal by unauthorized third parties.

It is also the User’s responsibility to take all appropriate measures to protect the data and/or software stored or loaded on their computer equipment from contamination by viruses or intrusion attempts. 

Article 12. Cases of Force Majeure

The Bank cannot be held responsible for non-performance of any of its obligations hereunder, particularly in the following cases:

• When non-performance is due to an impediment beyond its control;
• When it could not reasonably have foreseen this impediment or its effects or its ability to perform the contract at the time of its conclusion;
• When it could not reasonably have avoided or overcome this impediment, or at least its effects.

An impediment within the meaning of the preceding paragraph may result in particular from events such as the destruction of machines or equipment, boycotts, strikes or lock-outs in any form whatsoever, occupations of premises, work stoppages, failure to provide electric current, failure of networks or transmission lines as well as unavailability of systems—without this list being exhaustive.  

Article 13. Good faith

The parties agree to perform their obligations in utmost good faith. 

Article 14. Titles

In the event of difficulties of interpretation resulting from a contradiction between any of the titles appearing at the top of the clauses and any of the clauses, the titles will be declared non-existent. 

Article 15. Invalidity

If one or more stipulations of this contract are held to be invalid or declared as such in application of a law, a regulation or following a decision made final by a competent court, the other stipulations will retain all their force and scope. 

Article 16. Comprehensiveness

The contractual documents express the entirety of the parties’ obligations. 

Article 17. Agreement on Evidence

Acceptance of the General Terms by electronic means has, between the parties, the same probative value as the agreement on paper.   

Computerized or digitized records stored in computer systems are kept under reasonable security conditions and considered as proof of communications between the parties. 

Article 18. Applicable Law and Competent Jurisdiction

This contract is governed by Moroccan law.   

This is the case for the substantive rules and the formal rules, notwithstanding the places of execution of the substantial or accessory obligations.   

Any dispute relating to the interpretation or execution of these terms will be subject to the exclusive jurisdiction of the Casablanca Commercial Court.