ABU DHABI ISLAMIC BANK PJSC (“ADIB”) MONEYSMART COMMUNITY PLATFORM GUIDELINES AND RULES

THESE GUIDELINES AND RULES ADIB MONEYSMART COMMUNITY GUIDELINES (“ADIB MONEYSMART COMMUNITY GUIDELINES”) THAT CONTAIN IMPORTANT INFORMATION GOVERNING THE USAGE OF ADIB MONEYSMART COMMUNITY PLATFORM (“ADIB MONEYSMART COMMUNITY PLATFORM”). PLEASE READ THEM CAREFULLY.

Introduction

ADIB moneysmart Community Platform, powered by ADIB is an online community platform created as an innovative digital banking proposition for the community to share their opinions and receive feedback from its users. It allows members to interact with each other for the purpose of monetary questions, guidance on available financial products and options in the market, tips on saving money, rate financial products and experts, and share finance related content including video, infographics and articles. Community members can also participate in online activities such as webinar and benefit from exclusive deals and offers from ADIB.

Additionally, the ADIB moneysmart Community Platform aims to increase the Islamic Banking awareness, and correct any misconception about it.

Through participation in the ADIB moneysmart Community Platform members will be able to earn bonus points which they can claim by opening a smartbanking Account with ADIB.

We encourage you to extend your participation whilst adhering to the ADIB moneysmart Community Guidelines which by accessing the ADIB moneysmart Community Platform you are deemed to have accepted and are bound by them.

1. General

1.1. From time to time ADIB may post items or talk about and share information on certain products or services that you may find interesting. This does not mean ADIB is agreeing or supporting a point of view or endorsing a product or service. ADIB does not therefore guarantee the accuracy, correctness or completeness of content that is not created by ADIB and which is posted on ADIB moneysmart Community platform. ADIB reserves the right to monitor and record comments and conversations to help improve our products and services.

1.2. ADIB is looking to create an open and respectful forum through ADIB moneysmart Community Platform by means of which participants can share ideas, asks questions and provide feedback. Provided that such participation does not include anything that is offensive, unsuitable or derogatory. While we will endeavor to moderate anything that is offensive, unsuitable or derogatory on ADIB moneysmart Community Platform, ADIB shall not be legally responsible for content posted by third parties. If in the opinion of ADIB any material posted on the ADIB moneysmart Community Platform is offensive, unsuitable or derogatory ADIB reserves the right at its sole discretion to remove such content and/or temporarily or permanently suspend or deny access to such user.

1.3. The content and information on ADIB moneysmart Community Platform is provided for general knowledge only and should not be used as a basis for making business decisions and investments. ADIB does not provide investment, legal, tax or other specialist advice through ADIB moneysmart Community Platform. If you are looking to make an investment decision, our customer service staff at any of our branches can provide and/or assist you with the relevant professional advice.

1.4. Whilst sharing your ideas on ADIB moneysmart Community Platform it is important to keep your personal and financial information secure and as such ADIB advices that you do not post personal and/or financial information and ADIB will never ask you do so, but ADIB may only ask you for contact details and will NEVER ask for your account information on ADIB moneysmart Community Platform.

1.5. Your privacy is very important to us. Please refer to ADIB Personal Data Protection Policy (http://adib.ae/en/Pages/Privacy_Policy.aspx) for guidance on how you can share information securely, how we collect and may use your content and information. We encourage you to read it and to use it to help you to protect your privacy. You provide your consent to ADIB to process and use your data in accordance with ADIB Personal Data Protection Policy.

1.6. It is not permitted to post content onto ADIB moneysmart Community Platform that includes, promotes, suggests or encourages:

      a) Conventional (interest based) financial transactions, products, services and instruments which are prohibited by Sharia’a principles.
      b) Gambling or any content related to online casinos, bingo or poker;
      c) The use of firearms/ weapons/ ammunition, any illegal drugs,
      d) prostitution, pornography; Nudity, profanity or other similar content, violence, or the use of alcohol or
      e) tobacco products;
      f) The taking up of arms against any person, government or entity or otherwise
      g) challenge or seek to overthrow any government;
      h) Any offensive topics to religions;
      i) Any topics or material that is forbidden by Islamic Shari’a
      j) Anything that violates law

1.7. It is also not permitted to post content that may contain discriminatory, disparaging or degrading content, whether directed at individual, group, or other site users, and whether based upon race, age, gender, disability, ethnicity, religion, political orientation, national origin, citizenship, ancestry or content that uses adversarial or confrontational tactics to impact a product, service, industry or organization. ADIB does not endorse it in anyway whatsoever.

1.8. ADIB is looking to cultivate public dialogue with ADIB’s fans and followers and encourage you to share your content with us, however, if any user violates these ADIB moneysmart Community Guidelines, ADIB reserves the right to suspend, terminate or change the conditions of their access and remove any content that violates ADIB moneysmart Community Guidelines in addition to exercise its option to pursue any necessary legal action.

1.9. ADIB will reward bonus points to certain participants of online banking services. Such bonus points can be converted into cash and will only become redeemable through opening an ADIB smart account; Find how our smart bonus work here (http://www.moneysmart.ae/community/faqs).

1.10. ADIB may from time to time post offers and promotions of its products and services. ADIB reserves the right to amend, change or withdraw such offers, promotions and contents of discussion without prior notice to ADIB moneysmart Community users.

2. Access to the Platform

2.1 ADIB does not warrant that the ADIB moneysmart Community Platform or any part of it will be available at all times. Whilst ADIB will try to ensure that access to the ADIB moneysmart Community Platform is always available, from time to time ADIB may temporarily restrict or block access to or use of all or part of ADIB moneysmart Community Platform without prior notice for the purpose of maintaining ADIB moneysmart Community Platform or otherwise. ADIB accepts no liability, no matter how that may be caused arising from any unavailability, interruption, defect or loss of access to or function of ADIB moneysmart Community Platform or any part of it at any time.

3. Permitted Use and Access to the Platform

3.1 You are permitted to access the ADIB moneysmart Community Platform on a personal and non-commercial basis. You may not copy or make commercial use of ADIB moneysmart Community Platform or any content therein without obtaining ADIB’s prior written approval.

3.2 You must not use the ADIB moneysmart Community Platform or any of its content, information, imagery or data from, the ADIB moneysmart Community Platform in any manner which is associated with or for the purposes of hosting, disseminating, or propagating malicious software or code including but not limited to viruses, malicious script, spyware, Trojan horses or worms.

3.3 You may not misuse ADIB moneysmart Community Platform, or any information, imagery or data for or in connection with any unlawful or criminal purpose including but not limited to hacking, phishing or other intrusions or attempted intrusions or unlawful use of information or data.

4. Intellectual Property Rights

4.1 Unless otherwise specified, the copyright, trademarks and other intellectual property rights in all material originally created on ADIB moneysmart Community Platform including without limitation video, audio, text, tools, photographs and graphical images and all other forms of intellectual property are owned by ADIB.

4.2 You may not reproduce or adapt ADIB moneysmart Community Platform in whole or in part without ADIB’s prior written consent. It is strictly prohibited for any unauthorized use or reproduction of the information, materials and proprietary rights contained in ADIB moneysmart Community Platform.

5. Disclaimer

The information contained in ADIB moneysmart Community Guidelines is for general information purposes only. The information is provided by ADIB and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the platform or the information, products, services or related graphics contained on ADIB moneysmart Community Platform for any purpose. Unless specifically created or provided by ADIB, you should not rely on such information unless personally verified by yourself otherwise you do so at your own risk.

In no event will ADIB be liable for any loss or damage including without limitation, indirect or consequential loss or damage whatsoever arising from reliance on any content by ADIB or any third party loss of data or profits arising out of, or in connection with, the use of ADIB moneysmart Community Platform.

You agree to indemnify and hold ADIB harmless from and against all actual damages, losses and expenses of any kind (including actual legal fees, expenses and costs) related to any claim against ADIB and as a result of your use of ADIB moneysmart Community Platform.

Any platform that is linked to ADIB moneysmart Community Platform may have its own guidelines and rules. Such guidelines and rules must be followed by you in addition to ADIB moneysmart Community Guidelines. Additionally through moneysmart Community Platform you may be able to link to other websites which are not under the control of ADIB. We have no control over the nature, content and availability of those sites.