Terms of use

Welcome to the website dedicated to providing information on the proposed legal combination between Abu Dhabi Commercial Bank PJSC (ADCB), Union National Bank PJSC (UNB) and Al Hilal Bank PJSC (AHB) (the Website). This page together with the documents referred to on it, including all notices and disclaimers on the Website sets out the terms on which you may access or use the Website (Terms of Use).

Please read and review these Terms of Use carefully before accessing or using the Website. By accessing the Website, you acknowledge that you have read, understood and accept the Terms of Use and agree to abide by them. If you do not fully accept the Terms of Use, you must not access or use the Website. These Terms of Use refer to the following additional terms, which also apply to your use of the Website:

Our Cookie Policy, which sets out information about the cookies on our site.

ADCB, UNB and AHB reserve the right to change the Website and the Terms of Use from time to time without notice, which changes shall take effect from the next time you access the Website. Therefore, we suggest that every time you access the Website you access this page to ensure that you are aware of the current Terms of Use.

Accessing the Website. Access to the Website is permitted on a temporary basis, and ADCB, UNB and AHB reserve the right to withdraw or amend the service it provides on the Website without notice. ADCB, UNB and AHB will not be liable if the Website is unavailable at any time or for any period.

You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use, and that they comply with them.


The information provided on the Website is for general information purposes only. ADCB, UNB and AHB will use reasonable efforts to ensure that information on the Website is accurate and up-to-date but gives no undertaking, warranty or representation of any kind (whether express or implied) as to its accuracy, currency, fitness for purpose or completeness. Some jurisdictions do not allow the exclusion of implied warranties or other terms and these are excluded only to the maximum extent permitted by applicable law.

Any of the material on the Website may be out of date at any given time, and ADCB, UNB and AHB are under no obligation to update such material. Some statements made on this Website are historical and should be understood as referring to events as they stood at the time that the information was first published. Events may also have superseded forward-looking statements made on this Website and the facts subsisting may differ from the views expressed or implied by such forward-looking statements. Past trends or activities should not be taken as a representation that such trends or activities will continue in the future. Nothing on this Website should be construed as the giving of advice or the making of a recommendation, and should not be relied on as the basis of any decision or action.


ADCB, UNB and AHB do not warrant that functions available on the Website will be uninterrupted or error free, that defects will be corrected, or that the server that makes it available is free of viruses or bugs. You acknowledge that it is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output. You confirm that you are aware of and assume all risks related to the use of the internet, including risks of damage to your software and hardware due to the presence in the Website or any other related website of a virus or any other element capable of altering the computer system.

Viruses, hacking and other offences.

You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you may be committing a criminal offence under United Arab Emirates law. ADCB, UNB and AHB may report any such breach to the relevant law enforcement authorities and will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.

ADCB, UNB and AHB will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any material posted on it, or on any website linked to it. You are advised to virus check all materials and/or content accessed and/or downloaded from the Website using commercially available, up to date virus checking software.

You and/or any other person accessing the Website may use the Website for lawful purposes only. You and/or any other person accessing the Website must not use the Website in any way that breaches any applicable law or regulation, or which is in any way unlawful or fraudulent.


You agree that access to and use of the Website is at your own risk and sole discretion. To the extent permitted by law, neither ADCB, UNB or AHB nor any subsidiary of ADCB, UNB or AHB nor any party involved in creating, producing or delivering the Website accepts any liability for any loss or damages, including without limitation, direct, incidental, consequential, indirect or punitive damages, loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time, or any other loss or damage of any kind, whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, that may arise out of access to, information downloaded or obtained from or through, use of or inability to use, this Website, or any errors or omissions in the content thereof.

To the maximum extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the Website or its use or any content on it, whether express or implied.

Links and third party content

The Website may contain links to websites of third parties. These are provided for your information only. ADCB, UNB and AHB are not responsible for the contents or reliability of any other websites to which the Website provides a link and ADCB, UNB and AHB do not endorse the views expressed within them. Furthermore, providing links to those websites does not imply a suggestion or recommendation to visit them. ADCB, UNB and AHB shall not be liable for any damages, direct or indirect, which users might suffer, derived from the information contained in said websites, or from the relationship that might arise between users and third parties whose services have been published on the Website. In particular, we do not accept any liability arising out of any allegation that any third party owned content (whether published on this, or any other, website) infringes the intellectual property rights of any person or any liability arising out of any information or opinion contained on such third party website or content.


Subject to our Cookie Policy, any communication or other material that you send to us through the internet or post on the Website by electronic mail or otherwise, such as any questions, comments or suggestions, are and will be deemed to be non-confidential and non-proprietary and ADCB, UNB and AHB shall have no obligation of any kind with respect to such information. By sharing any contribution (including any text, photographs, graphics, video or audio) with us you agree to grant us an irrevocable, royalty-free, worldwide, perpetual, non-exclusive licence to use, copy, distribute, disclose and display the material in any way we want (including modifying or deleting it). In order that we can use your contribution, you confirm that your contribution is your own original work, is not defamatory and does not infringe any laws and that you have the right to give us permission to use it for the purposes specified above. ADCB, UNB and AHB are permitted to disclose your identity to any third party who is claiming that any material posted or uploaded by you to the Website constitutes a violation of their intellectual property rights, or their right to privacy.

Intellectual Property Rights and Trademarks

The contents of the Website are protected by copyright and other intellectual property around the world. All the intellectual property rights in the Website, including without limitation, in all documents, files, text, images, RSS feeds, audio files, podcasts, video files, flash tutorials, graphics, devices and code contained in it and in the Website's general "look and feel", is owned by ADCB, UNB and AHB, their affiliates or their third party providers.

ADCB, UNB and AHB hereby authorize you to copy extracts of and/or documents published on the Website (except for third party owned content which has been identified as such) for non-commercial personal use only, provided that any copy of the documents which you make shall retain all copyright and other proprietary notices and any disclaimer contained on the documents. If you print off, copy or download any part of the Website in breach of these Terms of Use, your right to use the Website will cease immediately and you must, at ADCB, UNB and AHB’s option, return or destroy any copies of the materials you have made.

Except as expressly provided above, you may not otherwise copy, display, download, distribute, modify, reproduce, republish, reverse engineer or retransmit any information, text or documents contained in the Website or any portion thereof in any electronic medium or in hard copy, or create any derivative work based on such images, text or documents, without the express written consent of ADCB, UNB and AHB.

No information or statement contained herein shall be construed as conferring by implication, estoppel, or otherwise any licence or right under any patent, copyright, trademark or other intellectual property right of ADCB and/or UNB and/or AHB, or any of their affiliates, or any third party. Except as expressly provided above, no information or statement contained herein shall be construed as conferring any licence or right under any ADCB or UNB or AHB group patent, copyright or trademark. No ADCB, UNB or AHB trademark or logo may be used or reproduced without our prior written consent.

Neither ADCB, UNB nor AHB can guarantee that you have any right to use third party owned content which is available on the Website and you must obtain permission from the third party owner before using or downloading such content.

All product names, whether or not appearing in print or with the trademark symbol, are trademarks of ADCB, UNB or AHB, their affiliates, related companies or their licensors or joint venture partners, unless otherwise noted. The use or misuse of these trademarks or any other materials, except as permitted herein, is expressly prohibited and may be in violation of copyright law, trademark law, the law of slander and libel, the law of privacy and publicity, and communications regulations and statutes.

Legal Jurisdiction.

The courts of the emirate of Abu Dhabi have exclusive jurisdiction over any claim arising from, or related to, your visit or use of the Website. These Terms of Use are governed by, and shall be interpreted in accordance with, United Arab Emirates law.


By clicking/tapping the 'I agree' button you confirm that you have read and accept the Terms of use.