Bank-e-Millie Afghan (BMA), as the first and most trusted commercial bank in Afghanistan, established in 1933, provides this Disclaimer governing the use of the website https://www.bma.com.af/ (the “Website”). By accessing and utilizing this Website, you acknowledge that you have read, understood, and agree to be bound by the terms and conditions set forth herein. If you do not agree with these terms, you are advised to discontinue your use of this Website.

General Terms

This Disclaimer applies to the Website, which is owned and operated by Bank-e-Millie Afghan (BMA), with its principal place of business located at Ibn-e-Sina Watt, Kabul, Afghanistan. By accessing and using this Website, you consent to be bound by this Disclaimer. In the event of any discrepancy between the terms and conditions of specific products or services and this Disclaimer, the conditions governing such products or services shall take precedence.

Use of the Website

The information provided on or via this Website is intended for informational purposes only and does not constitute professional advice. Any decisions made based on the information available on this Website are made at your own risk.While BMA endeavors to ensure the accuracy, completeness, and timeliness of the information presented, it makes no representations or warranties, express or implied, with respect to the accuracy, reliability, completeness, or fitness for any particular purpose of the information provided on or via this Website. BMA expressly disclaims all such representations and warranties to the fullest extent permitted by law. By using this Website, you assume full responsibility and risk for any actions taken based on the information provided herein. BMA shall not be liable for any errors or omissions in the content of this Website.

BMA operates this Website from Afghanistan and does not make any representations regarding the appropriateness or availability of the content for use in other jurisdictions. If you choose to access this Website from jurisdictions outside of Afghanistan, you are solely responsible for compliance with applicable local laws. BMA does not guarantee uninterrupted access to this Website or the absence of errors or service interruptions. The use of this Website in any manner that disrupts or interferes with other users' access, functionality, or the integrity of the Website’s services is strictly prohibited.

Third-Party Information, Products, and Services

This Website contains links to third-party websites, including those of affiliates of BMA in other countries. BMA assumes no responsibility for the content, services, or products provided by third parties and does not endorse or approve any third-party websites. The links provided are for your convenience only, and you access them at your own risk.

BMA disclaims any liability for the availability, reliability, or content of external websites. Additionally, BMA has not verified the accuracy, reliability, or completeness of any content on such third-party websites and expressly disclaims any responsibility for any loss, damage, or legal issues arising from the use of such websites.

Intellectual Property

All intellectual property rights, including copyrights, trademarks, patents, and proprietary rights in relation to the content on this Website (including text, graphics, logos, images, and other materials) are owned by BMA or its respective content providers. You may not copy, download, reproduce, publish, distribute, or otherwise use any content from this Website without the prior written consent of BMA or the relevant intellectual property rights holder, except for personal, non-commercial use. Creation of links to this Website or any of its pages is strictly prohibited without the express written consent of BMA.

Communication Online

Please be advised that communications sent to BMA via email may not be secure. BMA strongly recommends that you do not send confidential or sensitive information by email. If you choose to communicate with BMA via email, you do so at your own risk, and BMA accepts no responsibility for any interception, misuse, or unauthorized modification of your email correspondence.

Exclusion of Liability

To the fullest extent permitted by applicable law, BMA and its affiliates, directors, officers, employees, agents, and contractors shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to lost profits, arising from or in connection with:

• Any defects, viruses, or malfunctions that may affect your equipment or software when accessing or using this Website.
• The information provided on or via this Website.
• The interception, modification, or misuse of information transmitted to or from BMA.
• The unavailability of the Website or any failure in its functionality.
• The misuse of the Website or its services.
• Any loss of data, including the loss or corruption of any information.
• Any software provided through this Website or any third-party services.
• Any claims, losses, or damages arising from your use of third-party websites linked to this Website.

This exclusion of liability extends to the benefit of BMA's directors, employees, agents, and contractors. The foregoing applies regardless of the legal theory under which the claim is asserted, whether in contract, tort (including negligence), or otherwise.

Applicable Law

This Website, along with its Disclaimer, shall be governed by and construed in accordance with the laws of Afghanistan. Any disputes arising from or in connection with the use of this Website shall be subject to the exclusive jurisdiction of the competent courts in Afghanistan.

Amendments

BMA reserves the right to modify, update, or amend the content provided on or via this Website, including the terms of this Disclaimer, at any time and without prior notice. You are encouraged to review the content of this Website and the Disclaimer periodically to ensure you are aware of any changes.

Miscellaneous

Neither BMA nor any of its affiliates, officers, directors, employees, or agents make any recommendations regarding the securities or financial products issued by any companies identified on this Website.The data and information provided on this Website may be subject to delays. While BMA strives to ensure the reliability of the information presented, it does not guarantee its accuracy or completeness. The information and data furnished are accepted by users on the condition that any errors or omissions shall not be grounds for any claim, demand, or legal action against BMA.

This Website may include views, opinions, and recommendations from third-party sources that are deemed of interest. However, BMA does not guarantee the accuracy, completeness, or timeliness of such content, nor does it endorse, recommend, or provide investment advice. BMA does not advocate the purchase or sale of any securities or investments discussed on the Website.