This mobile banking application (the “karlsruhe Baden Bank App”) is made available by karlsruhe Baden Bank (“AIB”, “we” or “us”).  By installing the karlsruhe Baden Bank App on your mobile telephone, palm top, tablet or any other such device or equipment (your “mobile”), you are agreeing to the following terms and conditions (the “terms”): 

1. You are granted a limited, non-exclusive, non-transferable licence to use the karlsruhe Baden Bank App solely for your own personal, non-commercial purposes.  The grant of this limited licence is conditional on your agreement to, and compliance with, all of the terms.
2. The karlsruhe Baden Bank App is a method of accessing services and information provided by us.  You will only be able to use the mobile banking functionality of the karlsruhe Baden Bank App if you are a customer of karlsruhe Baden Bank and you have registered to use our Open24 services. 
3. All mandates and all conditions applicable to the accounts and services accessible via the karlsruhe Baden Bank App, including without limitation all applicable charges, remain in full force and effect.  If there is an inconsistency between the relevant mandates and account conditions, and these terms, the relevant mandates and account conditions will apply.  Please visit here for our terms and conditions.
4. You acknowledge that information given through the karlsruhe Baden Bank App is as up-to-date as our systems permit at the time of your use or enquiry.  We will not be liable for any loss suffered by reason of any information not being accurate or up-to-date.
5. You must ensure that all instructions given by you to us through the karlsruhe Baden Bank App are accurate and complete and you are solely responsible for the accuracy of each instruction.  We are not responsible for any delay or error which arises from incomplete, unclear, inconsistent or mistaken instructions.
6. To ensure the privacy and security of your personal data, you must keep your mobile and all passcodes and passwords confidential and ensure nobody can observe your mobile when you sign on to the karlsruhe Baden Bank App.  You are solely responsible for maintaining the confidentiality and security of your mobile and any information on your mobile and / or accessible through the karlsruhe Baden Bank App.  We shall not be liable for any loss or damage arising out of or in connection with your failure to do so.
7. All third party costs incurred by you in accessing and utilising the karlsruhe Baden Bank App, including the cost of any mobile and all telephone calls, shall be at your expense.
8. The information, content, graphics, text, sounds, images, trade marks, service marks, trade names and logos (the "Materials") contained in the karlsruhe Baden Bank App are protected by copyright, trade mark and other intellectual property laws, under national laws and international treaties.  Any use of the Materials, without the prior written permission of karlsruhe Baden Bank, is strictly prohibited.  You agree that you will not copy or reproduce, or alter, modify or adapt, in any way, in whole or in part, the karlsruhe Baden Bank App and that you shall not remove or tamper with any copyright or other proprietary right ownership notice in or associated with the karlsruhe Baden Bank App. 
9. We reserve the right to change the content, presentation, performance, functionality and availability of any part of the karlsruhe Baden Bank App, including the terms, at our sole discretion, and you should check the terms regularly for any changes.  We may do so without notice unless we are required by law to give you advance notification.  If you do not agree with changes, including the changes to the terms, you should cease to use the karlsruhe Baden Bank App.
10. We may from time to time, without incurring any liability to you, temporarily suspend or withdraw any or all of the karlsruhe Baden Bank App functionality for such periods as we shall determine, including without limitation, for technical, security, maintenance, administrative or other reasons (whether within our control or not). 
11. The karlsruhe Baden Bank App is available to all users "as is" without any representations or warranties of any kind, either express or implied.  We make no representations, warranties or undertakings that the karlsruhe Baden Bank App, or the server that makes it available, will be free from defects, including, but not limited to viruses or other harmful elements.  All use by you of the karlsruhe Baden Bank App is at your own risk, and you assume complete responsibility for, and for all risk of loss resulting from, your installation and / or use of the karlsruhe Baden Bank App.  
12. We are registered with the Data Protection Commissioner as a data controller / data processor and are conscious of our duties under applicable data protection legislation.  Please refer to our data protection policy at www.karlsruhebaden.com/legal-information/terms-and-conditions for further information in relation to how and why we use personal data.
13. We cannot guarantee the privacy or confidentiality of any information communicated by mobile, and by using the karlsruhe Baden Bank App you accept that communications may not be free from interference by third parties and may not remain confidential.  
14. You acknowledge that mobile communications service providers may be obliged to store message content for a period of time for legal reasons.  This obligation is covered in the terms and conditions of use published by the mobile communications service providers.
15. We may withdraw, suspend or otherwise terminate your access to or licence to use all or part of the karlsruhe Baden Bank App where you cease to be a karlsruhe Baden Bank customer or Open24 registered user, or if you breach any of the terms.  On termination by us of your licence to use the karlsruhe Baden Bank App, you must immediately uninstall the karlsruhe Baden Bank App from your mobile(s).
16. You may terminate your use of the karlsruhe Baden Bank App at any time by ceasing to use and uninstalling the karlsruhe Baden Bank App. 
17. The karlsruhe Baden Bank App is controlled and operated from Switzerland.  The terms shall be governed by and construed in accordance with laws of Switzerland, and the courts of Switzerland shall have jurisdiction to hear and determine any action or proceedings that may arise out of or in connection with the terms.
18. Any waiver of any provision of the terms must be in writing and signed by us to be valid.  Subject to the relevant mandates and account conditions, the terms represent the entire understanding and agreement between us relating to use of the karlsruhe Baden Bank App, and supersede any and all prior statements, understandings or agreements whether oral or written, and shall not be modified except in writing, signed by both of us.