Terms & Conditions

This site is provided for information purposes only, no other warrantees are granted whether explicit or implied. All trademarks described are the property of Ansbacher (Bahamas) Limited (ABL) or the described party. Please read complete disclaimer, privacy and security information for complete information concerning ABL policies and procedures.

Ansbacher (Bahamas) Limited is regulated by The Central Bank of The Bahamas, and The Securities Commission of The Bahamas. Products and services described on this web site are subject to restrictions. Please seek appropriate legal counsel prior to investing. Complete legal information is provided herein. ABL encourages you to read and understand this information in addition to applicable memorandum of understanding documents.

Terms of Use

Please read these terms and conditions carefully. By accessing this web site and any pages thereof, you acknowledge your agreement with and understanding of the following terms of use and legal information pertaining to both this web site and any material on it. If you do not agree to the terms and conditions below, do not access this web site or any pages thereof (hereinafter referred to as the “Site”).

Copyright

All material available on the Site is under copyright to Ansbacher (Bahamas) Limited The copyrights of third parties are reserved. The material is freely accessible for browsing purposes only. Explicit reference to Ansbacher (Bahamas) Limited must be made in the event that the material, or any part thereof, is reproduced in any form, written or electronic. Furthermore, any re-publication of this material requires the express consent of ABL

No Offer

Neither the information nor any opinion expressed in the Site constitutes an offer by any member of Ansbacher (Bahamas) Limited to buy or sell any securities or financial instruments or provide any investment advice or service in any jurisdiction where such offer or sale would be prohibited. None of the services, investments or mutual funds referred to in the Site is available, and prospectuses in respect of them will not be distributed, to persons resident in any state or territory where such distribution would be contradictory to local law or regulation. Deposits will only be taken by direct or indirect subsidiaries of Ansbacher (Bahamas) Limited that are authorised to do so and will not be accepted from investors where this would infringe applicable local laws or regulations in that investor’s jurisdiction. The information in the Site is descriptive of the Ansbacher (Bahamas) Limited as a whole and the services, securities and financial instruments described may not be available to or suitable for you.

No Reliance

Although Ansbacher (Bahamas) Limited has taken all reasonable care that the information contained within the Site was accurate at the time of publication or filing with the relevant regulatory authority, no representation or warranty (including liability towards third parties), expressed or implied, is made as to its accuracy, reliability or completeness by Ansbacher (Bahamas) Limited or its contractual partners. Opinions and any other contents on the Site are subject to change without notice. The posting of any information on the Site should not be understood to imply that there has not been any change in the affairs of Ansbacher (Bahamas) Limited since the date that the information was filed or published or that the information is accurate as of any time subsequent to the date that it was filed or otherwise published. ABL is not utilising the Site to provide investment or other advice to you or any other party, and no information or material on the Site is to be relied upon for the purpose of making or communicating investment or other decisions. Past performance is not necessarily a guide to future performance. Please consult your ABL customer advisor before taking any investment decision.

No Warranty

The information and opinions contained on the Site are provided without any warranty of any kind, either expressed or implied, to the fullest extent permissible pursuant to applicable law. Ansbacher (Bahamas) Limited further assumes no responsibility for, and makes no warranties that, functions contained on the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or the servers that make it available will be free of viruses or other harmful components.

Liability Waiver

Under no circumstances, including, but not limited to, negligence, shall ABL be liable for any special or consequential damages that result from the access or use of, or the inability to access or use, the materials at the Site.

Forward-Looking Information

The information contained on the Site may contain projections or other forward-looking statements related to Ansbacher (Bahamas) Limited that involve risks and uncertainties. Readers are cautioned that these statements are only projections and may differ materially from actual future results or events. Important risk factors that could cause actual results to differ from those contained in the forward-looking statements, include, among other things, risks relating to market fluctuations and volatility, significant interest rate changes, credit exposures, cross border transactions and foreign exchange fluctuations, impaired liquidity, competition and legal liability. All forward-looking statements are based on information available to Ansbacher (Bahamas) Limited on the date hereof and Ansbacher (Bahamas) Limited assumes no obligation to update such statements unless otherwise required by applicable law.

Ownership of Site and Trademarks

Ansbacher (Bahamas) Ltd owns and maintains the Site. ABL Bank & Trust, Oceans of Opportunity, Colina, Colina Financial Advisors Limited, Colina Financial Advisors Limited, First Bahamas Capital Limited, Ansbacher (Bahamas) Ltd, Colina Insurance Company Limited, Colina General Insurance Limited, Go Higher, and Trusted Financial Services are registered trademarks and service marks of Colina. Nothing on the Site shall be construed as granting any license or right to use any image, trademark, service mark or logo. No act of downloading or otherwise copying from the Site will transfer title to any software or material on the Site to you. ABL reserves all rights with respect to copyright and trademark ownership of all material on the Site, and will enforce such rights to the full extent of applicable law.

Linked Sites

Ansbacher (Bahamas) Limited has not reviewed any of the web sites which link to the Site, and is not responsible for the content of off-site pages or any other web sites linked or linking to the Site. Following links to any off-site pages or other web sites shall be at your own risk. Our web sites contain links to other sites. ABL is not responsible for the privacy practices or content of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each web site to which we may link that may collect personally identifiable information.

Privacy

ABL recognizes the importance of protecting the privacy of all information provided by users of our web sites, subscribers to our magazines, registrants for our events, recipients of our e-mail newsletters and all of our customers. We created this policy with a fundamental respect for our users’ right to privacy and to guide our relationships with our customers. This privacy statement discloses the privacy practices for all products and services owned by ABL.

Security

ABL uses reasonable precautions to protect our users’ personal information and to store it securely. Sensitive information that is transmitted to us online is encrypted and transmitted from a secure server location. In addition, access to all customer’ information is restricted. Only employees who need the information to perform a specific job (for example, an account or customer service representative) are granted access to personally identifiable information. Finally, the servers where personally identifiable information is stored are kept in a secure environment.

Information Collection

ABL collects information from our web site users, subscribers and customers. In this section of our privacy policy, we will describe the type of information we collect and how we use it to provide better services to our customers.

Automatic Data Collection

Our web sites have features that automatically collect information from users, to deliver content specific to users’ interests and to honor their preferences. This information assists us in creating sites that will serve the needs of our users.

We DO NOT use “cookies”, a piece of data stored on the user’s hard drive containing information about the user.

For our internal purposes, we gather date, time, browser type, navigation history and IP address of all visitors to our site. This information does not contain anything that can identify users personally. We use this information for our internal security audit log, trend analysis and system administration, and to gather broad demographic information about our user base for aggregate use.

We may combine demographic information supplied by a subscriber at registration with site usage data to provide general profiles, in aggregate non-personally identifiable form, about our users and their preferences in the content of the site and advertising. We may share this composite information with our business affiliates to help them better understand our services.

Shared Information

When we have co-branded, customized, private label, powered by or sponsored products and services, or when we join with other parties to provide specific services, we may share (provide and receive) personal information with them. We do not share credit card information with such third parties.

In particular, please note that information collected in connection with online web casts may be shared with the sponsor of the particular webcast(s)/seminar(s). These sponsors will use the information according to their own privacy policies, and we urge participants to read those policies and be aware of their privacy practices before registering.

Other than as set forth above, we do not share personally identifiable information with other companies, apart from those acting as our agents in providing our product(s)/service(s), and which agree to use it only for that purpose and to keep the information secure and confidential. Also, our parent, subsidiary and affiliate companies, entities into which our company may be merged, or entities to which any of our assets, products, sites or operations may be transferred, will be able to use personal information. We will also disclose information we maintain when required to do so by law, for example, in response to a court order or a subpoena or other legal obligation, in response to a law enforcement agency’s request, or in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property. Users should also be aware that courts of equity, might have the authority under certain circumstances to permit personal information to be shared or transferred to third parties without permission.

We may share aggregate information, which is not personally identifiable, with others. This information may include usage and demographic data, but it will not include personal information.

Registration and Ordering

When attending our trade shows, participating in our customer-sponsored web casts, using some of our web sites and signing up for certain selected services (such as subscription services), users must first register. During registration, users are required to give their contact information (such as name, e-mail address, mailing address and phone number). We also may collect demographic information (such as job title and purchasing responsibilities, company information and professional certification). For internal purposes, we use this information to communicate with users and provide requested services, and, for our web site visitors, to provide a more personalized experience on our sites. We use aggregate demographic information about our audience to improve our service, for marketing purposes and/or industry reporting purposes.

For our services that require payment (such as subscriptions and trades), we also collect credit card information (such as account name, number and expiration date), which is used for billing purposes only, and is not otherwise shared.

Email Newsletters

If users wish to subscribe to our e-mail newsletters, we ask for contact information (such as name, e-mail address and, occasionally, demographic information). We use this information in the same manner as we use contact information in the registration and ordering process described above. Recipients of our newsletters can unsubscribe using the instructions listed at the end of the e-mail newsletter.

Surveys & Contests

From time to time we invite users to provide information via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether to disclose requested contact information (such as name and mailing address) and demographic information (such as zip code or job title). In addition to other uses set forth in this policy, contact information collected in connection with surveys and contests is used to notify the winners and award prizes, to monitor or improve the use and satisfaction of the site, and may be shared with sponsors of such surveys or contests.

Interactive Features

At some of our sites, we offer interactive and community features such as discussion boards, web casts and user profiles. Note that all personal information sent or posted via such features becomes public information for which we are not responsible.

Communications with ABL

We have features where users can submit information to us (such as our feedback forms). Requests for service, support or information may be forwarded as needed to best respond to a specific request. We may retain e-mails and other information sent to us for our internal administrative purposes, and to help us to serve customers better.

Communications from ABL

In order to best serve our customers, we may send updates that contain important information about our sites and services. For example, we send new members a welcoming message, and verify password and username for our password-protected sites. We may also communicate with a user to provide requested services and for account-related issues via e-mail, phone or regular mail.

We offer our users the option to receive information about our company, related products, services and special deals. Users can choose not to receive these communications, as set forth in our Permission section below.

Permission

Our users are given the opportunity to choose whether to receive information from our affiliates and us not directly related to the registered services. Instructions for how to exercise this choice are contained in e-mails sent by us, and on our product web sites. Please note that we will endeavor to implement requests within a reasonable time, although for a time users may continue to receive mailings, etc., transmitted based on information released prior to the implementation of the request. Users will continue to receive information directly related to their registered services, so they always are kept informed.

Notification of Changes

If we change our privacy policy, we will post those changes on this page so our users are aware of what information we collect, how we use it and under which circumstances, if any, we disclose it. Users should check this policy frequently to keep abreast of any changes.