Article 1. Preamble
Attijariwafa bank is a limited company with a board of directors and a capital of MAD 2,131,729,870.00 entered in the commercial register under the number 333, whose registered office is 2, Boulevard Moulay Youssef, Casablanca 20000, whose legal representative is Mohamed El Kettani, CEO.
The company Attijariwafa bank is a credit institution under Moroccan law approved under the terms of the Order of the Minister of Finance and Privatization No. 2269-03 dated Shawwal 27, 1424, December 22, 2003, as amended and supplemented.
The company Attijariwafa bank publishes two websites that can be accessed via the following addresses:
The user can benefit from the services offered on this website only if they accept these general terms and conditions.
The user declares to have obtained from Attijariwafa bank all the necessary information concerning the services offered and adheres without reserve to these general conditions of use.
The user recognizes that the use of their personal space requires the respect of all the prescriptions of uses defined herein, and thus recognizes to have the competence and the necessary means to access and use this personal space.
Article 2. Definitions
"The Bank" means Attijariwafa bank;
"Subscription Form", "General Conditions of Use" or "general terms and conditions": means the present document.
"Access code": refers indifferently to the identifier, the password and the single-use code as well as any other code or key meeting the security criteria established by the company Attijariwafa bank and having object to identify and authenticate the user for the needs of their access to their personal space.
"Single-use code": means an authenticator meeting the security criteria established by the company Attijariwafa bank and having for object to secure the operation for which it has been generated. This code is used only once.
"Reset code": means a temporary confirmation code having the purpose to authenticate the user for their need of password reset.
"Personal Space": means an environment accessible through access codes via internet to users holding a bank account opened with the company Attijariwafa bank, having chosen to be able to benefit from the online banking services via the Website.
"Website": means the online banking website of the company Attijariwafa bank.
"Company": means any legal entity or corporation holder of a bank account opened at Attijariwafa bank having subscribed to the online banking services of the Bank.
"User(s)" means any natural person acting in the capacity of:
(i) a principal administrator duly authorized by the company's duly appointed agent.
(ii) any other person designated by the administrator and/or the agent (the designation will be made on the subscription form or online).
"Visitor": means any person who does not hold a bank account opened at Attijariwafa bank or, if they are the holder of such an account, who has not opted for the online banking services of Attijariwafa bank, or who has opted for the online banking services but without accessing the personal space.
"Online banking service": means all the modules offered in the personal space to the users.
Non-financial services in free access, or accessible via its personal space, providing the user with documents, training and tools for the development of their activities.
Cash Management, consultation option - standard service:
- Non-financial services of information, training and setting in relation in free access, or accessible via one's personal space, putting at the disposal of the user an accompaniment for the development of their activities.
- Online consultation services (balances and statements of Attijariwafa bank accounts in real time, operations in the statement of account, list of cards, unpaid checks and SBE issued and delivered, unpaid direct debits, unpaid credits, securities portfolio, list of falls and maturities, stock exchange rates and currencies).
- Online services (checkbook and SBE booklet orders, checkbook and SBE booklet order status follow-up, RIB edition, real-time card opposition).
- Bank alerts on 3 accounts (real time balance, unpaid checks and SBE delivered, availability of checkbooks and SBE in agency, card events: availability in agency, stop payment, expiry).
Cash Management, unit Transaction option:
- (Unit) transfers to Attijariwafa bank and fellow bank accounts;
- Payment of bills, taxes and fees;
- Refill of prepaid bank cards;
- Management of the beneficiaries of online transfers.
Cash Management - Mass Transaction Option:
- Mass transfers (Local mass transfers, international transfers, EBICS transfers, etc.)
- Mass direct debits (local debits, EBICS debits, ...)
Multi-user module: Service allowing the Agent and/or the Administrator to designate other users of the Service.
Bank Alerts Module: Service of bank alerts on several accounts (unpaid checks and SBE remitted with threshold, unpaid direct debits with threshold, unpaid credit with threshold, non-execution of a transfer, credit deadlines, cash coupon due date, etc.).
Banking documents module: Service allowing the online consultation of the company's documents (account statements, operating notices, etc.) with a depth of 3 months, and progressive constitution of the archive until reaching a depth of 5 years.
International Operations Module: This service allows the initiation of international payment transactions and the submission of international financing and guarantee requests.
The international operations administrator is the person authorized by the Agent to manage users of the Service. The administrator is also a User of the Service.
Market Operations module - Foreign Exchange (FX) Option: The service allowing the online submission of foreign exchange operations.
Market Operations module - Stock Exchange Option: This service allows the online placing of orders in buying or selling shares offered by the Casablanca Stock Exchange, and also the rights assigned to each stock exchange value.
Market Operations module - UCITS Option: This service allows you to place online orders to subscribe to UCITS selected by the expertise of the Wafa Gestion subsidiary of the Attijariwafa bank group in Morocco, and also to redeem the orders held by the operations carried out online.
Asset custody module: Service allowing the online management of the company's assets.
Furthermore, any use of the Personal Space by the User after the changes to the General Terms and Conditions of Use shall be deemed to be acceptance by the User subject to the conditions.
The user and/or the company must inform the Bank in writing in the event of non-acceptance of any modification to the general terms and conditions of use.
The general terms and conditions appearing online on the Website prevail over any printed version of an earlier date.
Attijari PayPal module: Service allowing the User to securely manage collections by attaching the PayPal account(s) to the Attijariwafa bank account(s) in order to automatically generate the repatriation of funds in foreign currency via the internet network using the Bank's website.
Article 3. Access to the Website and to the Personal Space
3.1 Terms and conditions
The user is informed that the Website is provided on the basis of a "state of the art" service and is accessible according to its availability, 24 hours a day and 7 days a week, except in case of force majeure, computer difficulties, difficulties related to the telecommunications networks or other technical difficulties.
The subscription to the standard Cash Management Service (consultation, non-financial service and bank alerts) is fixed at fifty (50) Dirhams excluding tax or in inclusion in the packs, excluding optional functionalities, and excluding Internet access providers and telephone communication costs which are billed directly by the operators.
Access to the online banking Service requires that the company has previously accepted an agreement to open a bank account with the Bank, opted for the paid online banking services and accepted the present general conditions of use as well as their possible evolutions.
Access to the modules requires membership of the standard Cash Management service.
Access to this personal space is reserved to companies legally capable of entering into contracts under Moroccan law.
The Bank reserves the right, without prior notice or compensation, to temporarily or permanently close the personal space or access to one or more Online Banking Services in order to carry out an update, modifications or changes to the operational methods, servers and accessibility hours, without this list being exhaustive.
The Bank reserves the right to complete or modify, at any time, its Online Banking Services and its personal space according to the evolution of technology.
The Bank shall not be held responsible for the impossibility of accessing the Website.
It is the responsibility of the company to ensure that its IT resources are compatible with the development of the Website, the users' personal space and the online banking Services.
3.2 Access Code
The procedures for obtaining new access codes for the personal area and performing online operations include the following steps.
First connection of the main administrator:
Step 1: At the validation of the subscription in agency to one of the online banking services of the Websites "Attijari Cib or attijarientreprises.com", the bank notifies to the user their identifier and their password, allowing them the access to their personal space.
The identifier is automatically generated after the validation of the subscription.
The Bank shall send the User their identifier by e-mail to the address initially specified at the time of subscription to the online banking Service and their provisional password by SMS.
Step 2: When logging in for the first time, the User is required to change the password sent and generated by the Bank to a new password.
Step 3: the user connects to their personal space.
3.3 Provisions applicable to all users
The authorized Administrator of the company must sign and validate having read and accepted the general conditions of use of the online banking service of "AttijariCib or attijarientreprises.com" websites.
It is the user's responsibility to make sure that they alone have access to the email containing their password.
It is the user's responsibility to make sure that they alone have access to their cell phone on which they receive the SMS containing the single-use code necessary for the first connection to carry out certain online operations.
When connecting to the Personal Space for the first time, the user is obliged to change the password sent and generated by the Bank by a new password.
As soon as the user's access codes are recognized, the user has secure access.
The user is solely responsible for the preservation and confidentiality of their login, password and single-use code and, consequently, for the consequences of their voluntary or involuntary disclosure to anyone.
Any use of the personal space and, consequently, any operation carried out from this space, from the identifier, the password or the single-use code allocated to the user is presumed to be carried out by the latter.
No operation can be carried out without the user ID and password. In addition, the single-use code is required for certain operations.
The ID, password and one-time use code and in general any other access code are strictly personal and confidential.
The Bank strongly recommends that the User logs out of their session and closes their browser window at the end of their work session, as well as deleting the traces of their browsing in the history of their Internet connections to prevent other people from accessing their personal information.
The user is obliged to notify the Bank without delay of any compromise of the confidentiality of their login, password or single-use code or any use by a third party of which they are aware.
3.4 Password Reset
In case the User loses or forgets their password, they can request to reset it.
For this purpose, the user can make an online request to reset the password on the home page of the Website, by entering their ID and the number of one of their accounts domiciled at Attijariwafa bank and declared in the subscription form.
A temporary reset code will be sent to them by e-mail using the e-mail address that they have initially chosen when subscribing to the online banking service contract.
At the entry of the reset code in the form displayed on the Websites "AttijariCib or attijarientreprises.com", the user can define a new password.
3.5 Password Modification
If the User wishes to modify their password, they can go directly to their personal space and ask for the modification of the latter, by entering their old password and the new one they wish to use from now on.
3.6 Access Denial
The Bank reserves the right to suspend access to the Online Banking Services requiring the identification of the user if it detects facts that give rise to a presumption of fraudulent use or attempted fraudulent use of its Services or that the authorized representative of the company has communicated inaccurate information concerning their identity or that of the principal administrator.
Furthermore, the company undertakes to request the suspension of access to the Online Banking Services in the following cases (i) the revocation of the company's authorized representative(s) (ii) the suspension of the company's power of delegation so that the company's authorized representative(s) no longer has the right to declare an administrator to operate the Online Banking Services of the Website.
The Bank also reserves the right to suspend access to the Online Banking Services of users in the event of a change in their rights and authorizations.
Article 4. Transactions
4.1 Unit Transfers
Subscription to the Standard Cash Management Service - Unit transactions option allows the company to make unit bank transfers to Attijariwafa bank accounts and to other accounts.
When subscribing to the Standard Cash Management Service - Unit transactions option, the authorized representative of the company must declare in the subscription form the accounts in transaction as well as the daily ceiling of the amounts subject to bank transfers, otherwise the ceiling is fixed by the bank at fifty thousand (50,000) Dirhams. Moreover, the transfers can be issued by the user only from the accounts declared in unit transactions in the subscription form duly signed and sealed by the authorized representative of the company.
In order to make a bank transfer, the user must select a beneficiary previously declared online in the list of beneficiaries.
Bank transfers issued by the user are processed as follows:
- If the available balance of the company's account is sufficient, the transfer is executed and the company's account is debited instantly.
- If the available balance of the company's account is insufficient, the transfer request is transmitted to the Bank for processing, and the request will be processed as soon as possible. As long as the status "Executed" is not displayed on the user's personal space, the transfer is considered as not executed.
Some actions carried out during the day may not appear on the Website until the following day, which the company expressly accepts. Consequently, some of the information displayed on the Website may not be up to date with the transactions recently requested or those currently being processed, which the company accepts and undertakes to take into account before proceeding with new transactions on their account.
The Bank shall endeavor to indicate to the company, for each of its accounts managed on the Website, whether the balance indicated corresponds to the actual balance of the day or to the balance established at a previous date.
The company cannot hold the Bank responsible for any delay in the information provided to it or in the answers given to it.
Any use of the personal area and, consequently, any bank transfer operation carried out through this area, using the identifier, password and single-use code allocated to users, is presumed to be carried out by the latter.
The Bank shall not be responsible for the access and use rights of the Online Banking Services and any authorizations granted to the main administrator and the users designated by the latter.
4.2 Payment
Subscribing to the Standard Cash Management Service - Unitary Transactions option, allows the company to make payments for invoices, taxes and duties.
The user can access the list of available billers and search for the receivable to be paid via the identifier assigned by the billers.
Furthermore, payments can only be issued by the user from accounts declared as unit transactions in the subscription form duly signed and sealed by the authorized representative of the company.
When subscribing to the Service, the company's authorized representative must define a daily ceiling for the payment amounts, failing which the ceiling is set by the Bank at fifty thousand (50,000) dirhams.
Concerning payments, they are processed as follows:
If the available balance of the company's account is sufficient, the payment is executed which will result in the debiting of the company's account for the amount of the selected claim and the related commission, if any;
If the available balance in the company's account is insufficient, the transaction will not be executed and will therefore be cancelled.
4.3 Card Refill
Subscription to the Cash Management Service - Unitary Transactions Option allows the company to refill cards attached to the company's account.
The user can only refill a card from the support account of the agreement to which this card is attached.
This support account must be declared in the transaction in the subscription form duly signed and sealed by the authorized representative of the company.
When subscribing to the Service, the authorized representative of the company must define a daily ceiling for the amounts of card recharges, failing which the ceiling is set by the bank at fifty thousand (50,000) dirhams.
Regarding the card recharges, they are treated as follows:
- If the available balance of the company's account is sufficient, the card recharge is executed which will generate the debit of the company's account and the credit of the card and this, in an instantaneous way.
- If the company's account balance is insufficient, the card reload operation is rejected and the company's account will not be debited.
4.4 Mass Transactions
Subscription to the Cash Management Service - Mass transactions option, allows the company to make mass transfers to Attijariwafa bank accounts and to other accounts, and mass direct debits from Attijariwafa bank accounts and other accounts.
When subscribing to the mass transactions option, the authorized representative of the company must declare within the subscription form the accounts in transaction as well as the conventions of transfers or mass debits.
Mass transfers and direct debits files transmitted by the company via the Website will be processed in accordance with the service agreement governing mass direct debit and mass credit transfers signed by the company.
Article 5. Multi-Users
5.1 User Management
Subscription to the Multi-User module allows the main administrator, duly authorized by the company's legal representative, to add, modify and delete users to whom they may assign access and use rights to the Online Banking Services.
Subscription to the "Multi-user" module implies the power of sub-delegation to the main administrator.
Access to this Service is free of charge, excluding Internet service providers.
Transactional users can be added in the agency when they are declared by the Agent in the present Subscription Form.
The addition of a user is free of charge up to three (3) users, beyond this number the tariff in force is fixed at ten (10) Dirhams before tax per month and per active user.
For each of the added users, a connection identifier is displayed to the administrator, and a password is sent to the e-mail address of the designated user(s).
Each added user will receive a one-time code and will be subject to the "common provisions for all users" described in section 3.3 above.
5.2 Management of rights and authorizations
Subscription to the Multi-User module allows the authorized administrator to assign to a user access authorizations to the Online Banking Service functionalities, validation levels and a ceiling on the amount of the transaction that the latter may validate.
For users authorized to carry out transactions via the Online Banking Services, the assignment of validation levels and ceilings can be carried out in the agency when they are declared by the Agent in this Subscription Form.
Regardless of whether users and their rights are declared in the agency or online via the administrator, the company remains responsible for all acts and actions of the users with respect to their use of this Service.
The Bank shall not be responsible for the access rights and any permissions granted to the main administrator and the users designated by the main administrator or by the agent in this Subscription Form.
Finally, the Bank shall not be liable for any fraudulent or abusive use or deliberate or unintentional disclosure to any person of the User ID and password.
Article 6. Bank Documents
The subscription to the Banking Documents module allows the user to consult and download documents related to their banking operations, for example: account statements, transaction notices, images of cheques and SBEs, etc.
The Service allows you to consult online account statements, transaction notices, check images and standardized bills of exchange within twenty-four hours (24 hours) of subscribing to the Bank Documents Service with a depth of up to 5 years. The Bank Documents Service with a depth of 3 years is only available for Very Small Business clients.
The user will access the banking documents using the same access codes that allow them to access the Website.
Users will be subject to the "provisions applicable to all users" described in article 3.3 above.
Article 7. Bank Alerts
The Bank Alerts module provides access to complete and up-to-date information on the operation of the User's Account(s) by sending real-time alerts via email or the Mobile application.
In addition, the main administrator has the ability to:
- Modify the account(s) as well as the users affected by the notifications;
- Activate and deactivate alerts at the website level;
- Choose the threshold for certain alerts;
- Set the time slot for receiving the alert;
- Designate the users authorized to receive alerts.
Users will access Bank Alerts using the same access codes that allow them to access the Website.
Users will be subject to the "provisions applicable to all users" described in article 3.3 above.
Article 8. Market Operations
8.1 Market Operations - Foreign Exchange (FX) Option
Subscription to the Market Operations - Foreign Exchange option allows the company to carry out foreign exchange operations.
To benefit from this Service, the company must have (i) an import and/or export turnover higher than two (2) million dirhams and (ii) a minimum amount per operation higher than one hundred thousand (100 000) dirhams.
Moreover, the subscription to the Market Operations - Foreign Exchange option module is subject to the acceptance of the Bank, which in case of refusal of subscription informs the company by any means, which is expressly accepted by the latter.
The user will access to the Exchange operations by using the same access codes allowing him to access to the online banking service of the Websites "AttijariCib or attijarientreprises.com".
The users will be subject to the "provisions common to all users" described in article 3.3 above.
8.2 Market Operations - UCITS Option
Subscription to the module Market operations - UCITS option allows to carry out online unit orders of subscription in UCITS selected by the expertise of the subsidiary Wafa Gestion of Attijariwafa bank group in Morocco, and also the redemption of orders held by operations carried out via the online banking service of the Websites "AttijariCib or attijarientreprises.com".
When subscribing to the module Market operations - UCITS option, the authorized representative of the company must declare within the subscription form, the cash accounts in transaction attached to their securities account held at Attijariwafa bank, as well as the daily ceiling of amounts subject to subscription orders.
The user in order to place an order in subscription or repurchase in UCITS, will have to select the cash and securities account previously authorized online by the administrator. They will choose the desired reservation mode according to the quantity or amount to be subscribed, or the quantity to be redeemed within the limit of the available UCITS.
The attention of potential investors is drawn to the fact that an investment in shares or units of an Undertaking for Collective Investment in Transferable Securities (UCITS) involves risks and that the value of the investment may rise or fall under the influence of various factors.
Also, it is recommended to the potential investors to subscribe to the units and shares of UCITS only after having acquainted with the descriptive sheets that can be consulted via the service of on-line banking of the Websites "AttijariCib or attijarientreprises.com".
The order placed by the user is processed as follows:
- Subject to sufficient availability on the company's cash account, the daily limit to the contract declared by the authorized representative, and the one authorized for the user, the order is submitted to the bank for processing, and an estimated amount (called reserved) is debited instantly from the company's cash account. The reserved amount is calculated on the basis of a mark-up on the last known net asset value of the selected UCITS in order to cover the fluctuation of the net asset value.
- Upon receipt, the order will be processed by the bank on working days (excluding weekends and public holidays) and the processing status will be retranscribed in the user's online history. Compensation can be paid directly to the selected cash account after the order has been executed.
- The user can ask to cancel their submitted online order if it is not yet received by Attijariwafa bank, and processed by the management company.
8.3 Market Operations - Stock Exchange Option
Subscription to the Market Operations Module - Stock Exchange option allows to make on-line unit orders of purchase and sale of shares or rights distributed on the Casablanca Stock Exchange, on-line via the on-line banking service of the Websites "AttijariCib or attijarientreprises.com".
When subscribing to the module Market Operations - Stock Exchange option, the authorized representative of the company must declare within the subscription form, the cash accounts in transaction attached to their securities account held at Attijariwafa bank, as well as the daily ceiling of amounts subject to purchase orders.
In order to place an order in purchase or sale of shares or rights, the user will have to select the cash and securities account previously authorized online by the administrator, and select the stock exchange value on which the order will be operated. The user will choose beforehand the desired reservation mode;
- At the market in order to reserve the share or the right at the last price fixed by the stock market,
- Limit in order to determine the limit at which the price can be bought or sold over a maximum period of 30 days from the date of submission of the order.
- The order placed by the user is processed as follows:
- Subject to sufficient availability in the company's cash account, the daily limit to the contract declared by the authorized representative, and that authorized for the user, the order is submitted to the bank for processing, and an estimated amount (called reserved) is debited instantly from the company's cash account. The reserved amount is calculated on the basis of a markup over the last known price of the selected stock or right.
- Any order received during the day will be transmitted to the market the next working day (except weekends and public holidays);
- The execution of any order is conditioned by the trading rules of the market in force;
- The status of the processing of the order, as well as its breakdown will be retranscribed in the user's online history;
- The user can ask to cancel their order submitted online if it is not yet received by Attijariwafa bank.
8.4 General Provisions for Market Operations
The Bank shall endeavor to inform the company, for each of its accounts managed on the Website, whether the balance indicated corresponds to the actual balance of the day or to the balance at an earlier date.
The company cannot hold the Bank responsible for any delay in the information provided to it or in the answers given to it.
Any use of the personal area and, consequently, any order placement operation for subscription, redemption of UCITS, purchase or sale of shares and rights, carried out through this area, using the identifier, password and single-use code allocated to the users, is presumed to be carried out by the latter.
The Bank shall not be liable for the access and use rights to the Online Banking Services and any authorizations granted to the administrator.
Article 9. Asset Custody
The subscription to the Asset Custody module allows the company to have a complete range of services of the securities service for the entry of settlement and delivery instructions, the follow-up of operations, the access to decisional reports, and to exchange with the asset managers, etc.
Subscription to the Asset Custody module is subject to acceptance by the Bank, which will inform the company by any means if it refuses to subscribe, which is expressly accepted by the latter.
The user will access the management of his assets using the same access codes that allow them to access the Website.
Users will be subject to the "provisions applicable to all users" described in article 3.3 above.
Article 10. Attijari-PayPal
Subscription to the Attijari-Paypal module allows the User to securely manage collections by attaching the Paypal account(s) to the Attijariwafa bank account(s) in order to automatically generate the repatriation of funds in foreign currency via the internet network and this, through the Bank's website. The bank provides the User with services mainly based on:
- Attachment of a Paypal account to Attijariwafa Bank accounts;
- Consultation of Paypal balance(s);
- Order of daily automatic repatriation to the account(s) Attijariwafa bank;
- Follow-up of the repatriations towards the account(s) Attijariwafa bank.
The subscription to the "Attijari-PayPal" service is fixed at fifty (50) Dirhams before tax. The commission for the repatriation is fixed at zero point one hundred and twenty five percent (0.125%) and this, excluding exchange commission. The User will access to the "Attijari-PayPal" service by using the same access codes allowing access to the online banking service of the Websites "AttijariCib or attijarreprises.com" accessible at the address http:// attijaripaypal.attijariwafa.com.
Article 11. Security
The Website is an automated data processing system. Any fraudulent access, in particular to the personal spaces it contains, is prohibited and punishable by law.
The Bank makes its best efforts, in accordance with the rules of the art, to secure the space but, given the complexity of the Internet, it cannot guarantee absolute security.
The company declares that it accepts the characteristics and limits of the Internet and, in particular, acknowledges that it is aware of the nature of the Internet network, and in particular, its technical performance and the response times for consulting, querying or transferring information data.
The company is aware that the data circulating on the Internet are not necessarily protected, particularly against possible hijacking.
The company agrees to take all appropriate measures to protect its own data and/or software from contamination by possible viruses on the Internet network.
Article 12. Responsibility
The user undertakes to use the personal space and the information to which they may have access only under the conditions defined by the Bank.
The user undertakes not to disrupt the use that other users may make of the Website and not to access the spaces of third parties.
The user undertakes not to commit any act that could jeopardize the computer security of the Bank or of other users or visitors.
The user undertakes not to interfere with or interrupt the normal operation of the personal space or the Site.
The company having subscribed to one of the online banking services of the websites "AttijariCib" or "attijarientreprises.com" remains responsible for any act and action of the main administrator and of the users as for their uses of the online banking services of the Bank's website, whether they are created online by the administrator or in the agency, following their declaration by the Agent.
The company undertakes to guarantee and indemnify the Bank at first request against any damage suffered by the Bank and against any liability action that may be brought against the Bank on the basis of the violation of any right of a third party resulting from the use of the Website by the users or on the basis of any abusive or fraudulent use of this Website.
The company undertakes not to hold the Bank responsible for any damage whatsoever, whether it is an action in contractual, tort, civil liability or an extrajudicial action, arising from its use of the online banking services of the sites "AttijariCib and attijarientreprises.com".
The company commits itself towards the Bank to notify it of any change relating to its email address or cell phone number and recognizes that failing this, it remains solely responsible for the consequences of any nature whatsoever, which could result from it.
The user is prohibited from modifying, copying, reproducing, downloading, broadcasting, transmitting, commercially exploiting and/or distributing in any way whatsoever the services, the pages of the Website, or the computer codes of the elements composing the services and the Website.
Given the diversity of the sources of data concerning the user, the methods of consulting them and the time required for their transmission, the Bank does its utmost to guarantee the general quality of the information disseminated and its relevance.
The Bank endeavors to carry out, in accordance with the rules of the art, the operations requested by the user through their personal space.
The Bank shall not be liable for the quality of the service, as the service is offered "as is".
The Bank shall not be liable for any disruption in the use of the Website or the Personal Space.
The Bank shall not be liable for any breach of computer security that may cause damage to users' computer equipment and data.
The Bank shall not be liable for any fraudulent or abusive use or deliberate or inadvertent disclosure to any person of the User's ID, password, reset code and one-time code.
Except in the case of proven fault or negligence on the part of the Bank, the Bank shall not be liable for any breach of confidentiality of the User's personal data resulting from the use of the User's ID, password, reset code or one-time use code by a third party.
The Bank shall not be liable for any breach of these terms and conditions by any other user.
The Bank shall not be liable for the access and use rights to the Online Banking Services and any authorizations granted to the main administrator and to each user designated by the latter.
The Bank shall not be liable for any consequential damages resulting from the use of the Online Banking Services.
The Bank shall not be held liable in the event of temporary or total unavailability of all or part of the access to the Website or to the personal space, of a difficulty linked to the response time, and in general, of any performance defect.
The Bank shall not be held liable if any personal data is collected and transmitted, cookies are installed or any other process with the same purpose is carried out by websites to which hyperlinks are accessible from the Site or accessible by rebound.
The Bank shall not be liable for any use that may be made of the information and financial data relating to the financial instruments held by the company and for any consequences that may arise therefrom, in particular any decision taken on the basis of the information contained on the Website.
The Bank reserves the right to take all measures it deems appropriate to prevent or put an end to any infringement of its copyright or the copyright of third parties, without any liability being imputed to it as a result.
Any use of the personal space and, consequently, any operations carried out through this space, using the Access Codes allocated to users, is presumed to be carried out by the latter.
The Bank shall not be liable for the access and use rights of the "Asset custody web portal", "Market operations web portal", "International operations web portal" Services and any authorizations granted to users.
Article 13. Intellectual Property
These general terms and conditions do not imply any transfer of intellectual property rights of any kind on the elements belonging to the Bank for the benefit of the company.
The Website, trademarks, drawings, models, images, texts, photos, logos, graphic charters, software, search engines, databases and domain names, without this list being exhaustive, are the exclusive property of the Bank.
Any reproduction and/or representation, in whole or in part, of any of these rights, without the express authorization of the Bank, is prohibited and would constitute an infringement likely to engage the civil and criminal liability of the infringer.
Consequently, the company shall refrain from any action and any act likely to infringe directly or indirectly the Bank's intellectual property rights.
The Bank grants the company a private, non-collective and non-exclusive right of use of the content of the Site. This right of use includes the right to reproduce for storage for the purpose of representation on a single screen and reproduction for printing on paper. Any networking, any redistribution, in any form, even partial, is therefore prohibited. This right is personal and reserved for the exclusive use of the user. It is not transferable in any way.
Consequently, the user undertakes to:
- Download the content of the Site onto your computer for personal use only and for a limited period of time;
- Print the downloaded pages of the Site on paper only if the said copies are strictly limited to personal use.
The user undertakes not to copy, reproduce, alter, modify, create derivative works from or disclose to the public all or part of the content of the Site without the prior written consent of the Bank or the third parties concerned.
Article 14. Cookies
The user is informed that, during their visits to the Website, a cookie may be automatically installed on their browser and temporarily stored on their hard drive. A cookie is an element that does not allow the user to be identified but is used to record information relating to the user's navigation on the Website.
This information is used to optimize the security of the Site and to provide an optimal service.
Thus, cookies are used to:
- Manage personal settings when the user connects to the secure Website;
- Record information on the user's navigation on the Website in order to direct the user's navigation towards the most suitable content;
- To measure the number of visits to the Website;
- Evaluate the effectiveness of our internal promotional campaigns.
In no case, the "Cookies" are intended to exploit personal information concerning the persons connected to the Website.
The company acknowledges that it has been informed of this practice and expressly authorizes the Bank to use it without opposition or reservation.
However, the Bank draws the attention of users and Internet users that if their computer browsers are configured to refuse "Cookies", access to certain services may be altered or even impossible
Article 15. Hyperlinks
Hypertexts established to other websites do not engage the responsibility of the Bank, in particular with regard to the content of these websites.
Since the Bank is not the publisher of these websites, it cannot fully control their content.
The existence of a link from the Bank's Website to another website does not therefore constitute a recommendation or an endorsement of this website or its content. It is up to users to use this information with judgment and a critical mind.
Website users may not under any circumstances set up a hypertext link to another website, even edited in a personal capacity, including any social network site whatsoever, without the prior written permission of the bank.
Article 16. Personal Data
16.1 Collection
The use of the Website requires the user's communication of personal data.
The user therefore undertakes to communicate only fair and lawful information. they will keep the Bank informed of any change in this information.
The user expressly gives their consent for personal data concerning them to be collected in this context.
User contact details are only used to better inform them and, possibly, to send them only the information they wish to receive.
The user accepts that the personal data concerning them will be communicated and shared for the same purposes between the Subsidiaries and the companies of the Attijariwafa bank Group as well as to its partners, subcontractors and service providers to the extent necessary for the accomplishment of the tasks assigned to them.
The user declares to have understood and accepts that by registering on the Website, their personal data will be shared between all the Subsidiaries and companies of the Attijariwafa bank Group.
In addition, the user agrees to provide accurate, complete and up-to-date information. In the event that the information provided is inaccurate, incomplete or obsolete, the Bank will take any measure it deems useful to suspend the user's access to the Website, definitively or temporarily.
The Bank undertakes to keep personal data for a period not exceeding that necessary to achieve the purposes for which they are collected or processed.
The Bank may be required to disclose any information concerning the user in order to comply with any law or regulation in force, or to respond to any judicial or administrative request.
16.2 User Rights
In accordance with Law 09-08 on the protection of individuals with regard to the processing of personal data, the user has the right to access, rectify and oppose personal data concerning them, in application of articles 4 to - of the aforementioned law no. 09-08.
The user has a right of opposition, subject to justifying a legitimate reason, to the processing of personal data concerning them. This opposition may, however, make it impossible for the user to access the Website.
To exercise these rights, the user must comply with the following procedure:
- Written request signed by the user to which is attached a photocopy of their identity document;
- Request addressed to the agency with which the client has subscribed to one of the online banking services of the "AttijariCib or attijarientreprises.com" Websites
Article 17. Commercial Prospection
Commercial prospection by e-mail 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 company has the right to object, free of charge, to the data concerning it being used for such purposes.
Article 18. Opposition- Failure of Opposition
In the event of loss or theft of access codes, the user must immediately and without delay reset their password via the Website.
In the absence of opposition, the Bank is not responsible for the consequences of the use, by a third party, of the user's username, password, reset code and one-time code.
Article 19. Recommendation
To protect the confidentiality of its requests, the company is invited to take the appropriate measures, according to its own software equipment to either prevent the storage, in its microcomputer, of the data consulted, or to proceed with their deletion once the consultation is over.
If it imports data into management software, the company will ensure that it is not accessible to unauthorized third parties.
As such, the company alone insures the risks of the manipulation and use of its connection terminal by unauthorized third parties.
It is also up to the company to take all appropriate measures to protect the data and / or software stored or loaded on its computer equipment from contamination by viruses or intrusion attempts.
Article 20. Cases of Force Majeure
The Bank cannot be held responsible for the non-performance of any of its obligations hereunder if it is prevented by a case of force majeure, in particular in the following cases:
- When the non-performance is due to an impediment beyond its control;
- When it could not reasonably foresee 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, installations, boycotts, strikes or lockouts in any form whatsoever, occupations of premises, work stoppages, failure to provide electric current, failure of networks or transmission lines, unavailability of systems without this list being exhaustive.
Article 21. Resolution and Termination
In the event of a breach of the obligations hereof, closure of the account (s), including the main account of the company, fraudulent use and irregular functioning of the service due to the maneuvers of the company, reorganization or judicial liquidation of the company without this list being exhaustive, the Bank may automatically and without notice terminate or cancel these general conditions of use of the Website with regard to the company.
In addition, the company may terminate the present conditions at any time, subject to a written notice of one (1) month notified to the other party by registered letter with acknowledgment of receipt or by signing a termination form duly completed and filled in by the company's authorized representative. The termination will take effect the day after (D + 1) of the termination request.
The termination hereof entails the payment of amounts owed by the company for the use of online banking services.
The termination will not give rise to the reimbursement of the monthly contribution which remains acquired at the Bank.
Article 22. Modification
Any modification desired by the company must be notified in writing to the agency with which it has subscribed to one of the online banking services of the “AttijariCib or attijarientreprises.com” Websites, by means of a modification form signed and sealed by the authorized representative of the company.
Article 23. Good Faith
The parties agree to perform their obligations in perfect good faith.
Article 24. Titles
In the event of interpretation difficulties resulting from a contradiction between any of the titles appearing at the head of the clauses and any of the clauses, the titles will be declared non-existent.
Article 25. Nullity
If one or more provisions of this contract are held to be invalid or declared as such in application of a law, a regulation or following a decision which has become res judicata of a competent court, the others stipulations will retain all their force and scope.
Article 26. Entirety
The contractual documents express the entirety of the obligations of the parties.
Article 27. Evidence Agreement
Acceptance of the general conditions by electronic means has, between the parties, the same probative value as the agreement on paper.
The computerized registers kept in the computer systems are kept under reasonable security conditions and considered as proof of communications between the parties.
Article 28. Applicable Law and Competent Jurisdiction
This contract is governed by Moroccan law.
This is the case for the substantive and procedural rules, notwithstanding the places of performance of substantial or ancillary obligations.
Any dispute concerning the interpretation or execution of these terms will be subject to the exclusive jurisdiction of the Commercial Court of Casablanca.
