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These conditions of access ("agreement") govern your general use of our First National Bank of Namibia website, which you can find at
("the website"). This agreement forms an agreement between you and FirstRand Bank Limited, an Authorised Financial Services Provider ("we", "our" or "us").
(Last Updated: 08 March 2005)
We may amend this agreement from time to time and you agree to view the current version of this agreement whenever you visit the website. The current version of this agreement will become binding on you whenever you visit the website.
For your convenience, this website may contain links to the websites of other parties ("third-party websites"). By making the hyperlinks available we are not endorsing third-party websites, their content, products or services they offer or the owners of these third-party websites. It is your responsibility to ensure that you obtain all information relevant to making a decision and that you read the privacy and security policy on such third-party websites. We will not be liable for any loss or damage you suffer, whether directly or indirectly, as a result of your use of third-party websites.
The various products and services ("services") we offer on different parts of this website or through associated websites may have their own agreements called "service terms". In the event of conflict between this agreement and the service terms, the provisions of the service terms will prevail to the extent of such conflict.
You might have to apply to become a registered user of such services, which application may be accepted or rejected at our sole discretion.
Any application submitted for products and services via this website does not constitute any guarantee that what is being applied for will be granted.
An auto-response to your application may not be construed as formal approval of your application. It is only once you are formally contacted by us that you may assume that you have been approved for the particular product or service for which you applied.
We provide various kinds of information and tools ("information") on the website about us, our products and services, First National Bank of Namibia, FirstRand Bank Limited, its subsidiaries, the economy and the financial markets including local and international business news, share prices and interest rates. This information is only meant to serve as a guideline and you should not place any reliance thereon without verifying the information.
As this information changes regularly, you accept that the information is only an estimate or projection and in some cases a snapshot of constantly changing information or values. For example, all share prices, interest rates, news, market information or data on the website are delayed unless otherwise stated.
We may rely on other parties to provide information to us via live information feeds, which we publish on the website. We have no control over this information and cannot warrant that it is accurate, appropriate or correct. In addition, live information feeds are delayed and you will need to select the "refresh" or similar page update function on your Internet browser to ensure that the information you are viewing is the most current available on the website.
Unless expressly otherwise stated, none of the information on the website must be treated as:
You agree that all the information is provided "as is" and that we will not be directly or indirectly liable for any damages that may arise if you rely on this information.
The content on this website, including all registered and unregistered trade marks, constitutes our intellectual property rights. You may not establish a hyperlink, frame, meta-tag or similar reference, whether electronically or otherwise ("linking") to this website or any other subsidiary pages without our prior written consent, which consent is at our sole discretion. You may apply to establish such a link by submitting your request to email@example.com. In the event that you have not heard from us within 5 (five) working days, please consider your request as having been rejected.
Use of the website means we do not interact face-to-face. Unless you notify us before we give effect to an instruction, you authorise us to rely on and perform all instructions that appear to originate from you (even if someone else is impersonating you).
Unless you have entered into a specific online service agreement with us (such as Internet Banking), you are not entitled to send instructions to us by email or via the website. Subject to the aforegoing, your instructions to us sent via the website will be subject to the same turn-around times that apply to instructions received otherwise than through the website.
An instruction, application form or message cannot be terminated or revoked once sent to us. You will not hold us liable if you execute the same instruction more than once and neither instruction will be reversible.
An instruction, application form or message is deemed to be received by us only once we have confirmed we have received it. If we fail to confirm receipt of your instruction, application form or message, do not re-send it before contacting your personal banker, branch or the call centre. This is because the initial instruction, application or message may still be processed and re-sending it may lead to a double transaction for which we will not be held liable.
You should only use the most up-to-date Internet browser to access the website and our online services, provided that where we specify hardware or software requirements on the website, only such specified hardware of software may be used. See our site settings requirements for more information. Your failure to do this may result in a security risk to you and/or cause some or all of the functionality of the website or online service not to operate properly or at all.
Software, if any, made available for download on or via the website may be governed by licence conditions that establish a legal relationship with the licensor. You indemnify us against any breach of these licence conditions. We give no warranty and make no representation, whether expressly or implied, as to the quality or fitness for purpose of such software.
While we have taken care to ensure that the content on this website is accurate and that you suffer no loss or damage because of your use of this website, this website and the services accessible on or via this website are provided "as is" and your use of this website and the online services is at your own risk.
We do not warrant that the website, any tools such as calculators, software, information, content or online services will be error-free or will meet any particular criteria of accuracy, completeness, reliability, performance or quality.
We expressly disclaim all implied warranties, including, without limitation, warranties of merchantability, title, and fitness for a particular purpose, non-infringement, compatibility, security and accuracy. While we take all reasonable precautions to prevent this we do not warrant that the website or any software available for download via the website is free of viruses or destructive code.
We and our affiliates, shareholders, agents, consultants or employees are not liable for any damages whatsoever relating to your use of this website or the online services or the information contained on this website or your inability to use this website or the online services. This includes, without limitation, any direct, indirect, special, incidental, consequential or punitive damages, whether arising out of contract, statute, delict or otherwise and regardless of whether we were expressly advised of the possibility of such loss or damage.
Without derogating from the generality of the above, we will not be liable for:
If you wish to lodge a complaint, please notify us in writing of this by completing our Feedback form. We will provide you with a reference number as soon as possible after we receive your feedback form.
We will respond to your complaint as soon as possible. If you do not hear from us within 5 (five) working days from sending your complaint we request that you contact us at +264 61 299 2187 to check whether your complaint has been received. Please quote your reference number when you contact us directly.
If we cannot resolve your complaint within a reasonable time you are free to lodge a formal complaint at the office of the Banking Ombudsman, provided that your complaint falls within the jurisdiction of the Banking Ombudsman. For more information on how this process works, please visit:
We may without notice:
This website may be unavailable from time to time due to routine maintenance or emergency repairs or because of the unavailability of any electricity, telecommunication system or networks. For the duration of such unavailability you must use our other available banking channels.
A certificate signed by us or the administrator responsible for the website or part of the website, will constitute prima facie proof of:
All legal notices relating to products must be delivered as provided for in the product agreements. Where such address is not specified, such notices must be sent to our Registered Office. We may send you legal notices to any of the addresses you have specified on any of your application/registration forms with us or at the address you actually work or live.
Conditions of access
We may amend this agreement from time to time
Links to third party websites
Different services offered via this website
Application for products and services via this website
Nature and purpose of the information on the website
Your privacy and security
Using content from our website
Instructions that appear to have been sent by you
Sending and processing your instructions
Use of software and hardware
Submitting a complaint to us
Disputes which cannot be resolved
Modification, suspension or termination
Availability of the website
The law governing our relationship
Address for legal services