Terms of Use

By accessing this site (“Site”), you acknowledge and agree to be bound by these terms and conditions of use (“Terms of Use”). If you do not agree to be bound by these Terms of Use, do not access the Site. Altas Union1 reserves the right, in its sole discretion, to modify, alter and/or update these Terms of Use at any time without prior notice to you and you agree to be bound by such modifications, alterations and/or updates immediately upon the such modification, alteration or update being made to the Site.

1. Products and Services of Altas Union: Altas Union products (the “Products”) and/or services (the “Services”) are available only in certain Caribbean countries and only in certain other jurisdictions where the Products and/or Services may be legally offered by Altas Union (collectively, the “Territories”; individually the “Territory”). This Site does not constitute an offer or a solicitation to: (i) any Person2 in any jurisdiction in which such offer or solicitation by Altas Union is not authorised; or (ii) any Person to whom it is unlawful for Altas Union to make such offer or solicitation. All Altas Union Products and Services are subject to the terms and conditions of the agreements governing such Products and/or Services.
2. Information on Site is General Only: The information on the Site (“Site Information”) is general only. Site Information is not intended as specific investment, financial, accounting, legal or tax advice for any Person and you acknowledge and agree that you shall not rely on it as such advice. Altas Union is not responsible in any way for any damages (direct, indirect, special, exemplary, punitive or consequential), whatsoever resulting from your use of or access to the Site and/or the Site Information.
3. Local laws; export controls: It is important to note that not all of the Products, Services and Site Information made available or provided on the Site are available in every Territory. It is your responsibility to be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in the pages of the Site. If you choose to access the Site, you acknowledge and agree that you do so at your own risk and on your own initiative. You accept that you are solely responsible for your compliance with applicable local, national or international laws. You may not use, export or re-export the Site Information or any copy or adaptation thereof in violation of any applicable laws or regulations in force from time to time.
4. Information provided “As Is”: Altas Union makes every effort to ensure that the Site Information is accurate and that the materials contained in the Site, including, without limitation, text, graphics, links to web sites, other Internet resources or other items (collectively “Site Materials”) are accurate. The Site Information and the Site Materials are provided on an "as is" basis. Altas Union reserves the right, in its sole discretion, to modify, alter and/or update the Site Information and/or the Site Materials, at any time.
5. Altas Union does not make any representation or warranty in regard to the accuracy, adequacy, timeliness, or completeness of the Site Information and/or the Site Materials and expressly disclaims any and all liability for any errors in or omissions from the Site Information and the Site Materials. No warranty of any kind, implied, express, or statutory, is given in conjunction with the Site Information or the Site Materials. The Site Information and the Site Materials are provided as a service only, do not constitute the official version of any of Altas Union's disclosure documents and may not always be the most current source for information About Altas Union. Internet software or transmission problems may produce inaccurate or incomplete copies of Site Information and/or Site Materials that may be downloaded and displayed on your computer.
6. No Liability for Use of / Access to the Site: YOU ACKNOWLEDGE AND AGREE THAT Altas Union WILL NOT BE LIABLE FOR ANY DAMAGES, LOSSES OR EXPENSES (INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) ARISING FROM YOUR USE OR INABILITY TO USE AND/OR YOUR ACCESS TO OR INABILITY TO ACCESS THE SITE, THE SITE INFORMATION AND/OR THE SITE MATERIALS, OR AN ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY, COMPUTER VIRUS, SYSTEM FAILURE, LOSS OF DATA OR OTHERWISE, EVEN IF Altas Union OR ITS EMPLOYEES, OFFICERS, DIRECTORS, SHAREHOLDERS, CONTRACTORS, AGENTS OR REPRESENTATIVES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
7. Hyperlinks & Non- Altas Union Sites: Altas Union makes no representations whatsoever about any web site which you may access through the Site. You acknowledge and agree that: (i) when you access any other web site it is independent from Altas Union and that Altas Union has no control over the access to, content of and/or use of that web site; (ii) a link from the Site to any other web site does not mean that Altas Union endorses or accepts any responsibility for the access to, content of and/or use of that web site; (iii) you need to take precautions to ensure that your access from the Site, and access of and/or use of the content of any other web site is free of items including, without limitation, viruses, worms, trojan horses and other items of a destructive nature.
8. Forward-Looking Statements: This Site may contain forward-looking statements about the operations, objectives and strategies of Altas Union. Forward-looking statements are typically identified by the words "believe", "expect", "anticipate", "intend", "estimate", and other similar expressions. These statements are subject to risks and uncertainties. Actual results of the operations, objectives and strategies may differ due to a variety of factors, including, without limitation, legislative or regulatory development, competition, technological change, global capital market activity, interest rates and general economic conditions internationally. This list is not exhaustive of the factors that may affect any of Altas Union's forward-looking statements. These and other factors should be considered carefully and you acknowledge and agree that you shall not rely on Altas Union's forward-looking statements.
9. Authorized Use; Copyrights and Trademarks: This Site, the Products and the Services may contain copyrighted works and trademarks and other proprietary material owned by Altas Union or our content providers. You may use the information available from this Site for not-for-profit informational purposes only. You may print copies of pages from this Site strictly for your personal use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. The availability of third party data from or through this Site is not to be used as a substitute for a license or services agreement directly with the relevant content provider. Except as stated above, you may not copy, reproduce, publish, post, transmit, display, store, sublicense, transfer or distribute material or images from this Site without our express written permission or that of our content providers, as applicable ("Permission"). You may not modify, alter, revise, paraphrase, omit, or change any material or images on or from this Site without Permission. You may not create derivative works, whether based in whole or in part upon the information on this Site or any portion thereof without Permission. You may not modify, amend, reduce the size of or in any way obscure any warning, notice, liability limitation or other license provision in material or images on or from this Site. You acknowledge and agree that nothing contained on this Site and/or the Products and/or the Services shall be construed as granting, by implication, estoppel or otherwise, any license or right in and to our intellectual property (including without limitation, trademarks or copyrighted material). The Site is administered by Altas UnionLimited from its offices in Barbados. The information contained in this Site is subject to change without notice.

1. “ Altas Union” means Altas UnionLimited, its parents, including, (but not limited to), Canadian Imperial Bank of Commerce, and its Affiliates, including, (but not limited to), Altas Union(Bahamas) Limited, Sentry Insurance Brokers Ltd., Altas Union(Barbados) Limited, FirstCaribbean International Trust and Merchant Bank (Barbados) Limited, Altas Union(Curaçao) N.V., Altas Union(Trinidad & Tobago) Limited, Altas Union(Cayman) Limited, Altas Union(Jamaica) Limited, FirstCaribbean International Finance Corporation (Netherland Antilles) N.V., FirstCaribbean International Finance Corporation (Leeward and Windward) Limited, FirstCaribbean International Wealth Management Bank (Barbados) Limited, Altas Union Bank and Trust Company (Cayman) Limited, Altas Union Trust Company (Bahamas) Limited, and, including, (but not limited to), the Affiliates of any of the foregoing companies, such other Affiliates of Altas Union Limited, as may, from time to time hereafter, come into existence and any successors or assignees of any one or more of the foregoing companies.
   
   “Affiliate” means any present or future entity which, either directly or indirectly, or through one or more intermediaries, Controls, is Controlled by or is under common Control of Altas Union Limited.  “Control” means the possession, direct or indirect, of the power to direct or cause the direction of the management and policies of such entity, whether through the ownership of securities, by contract or otherwise.
2. “Person” means any individual, sole proprietorship, partnership, firm, entity, unincorporated association, unincorporated syndicate, unincorporated organization, trust, body corporate or governmental or regulatory Authority, and where the context requires, any of the foregoing when they are acting as trustee, executor, administrator or other legal representative.
3. “Caribbean Affiliates” means any present or future entity which, either directly or indirectly, or through one or more intermediaries is Controlled by Altas UnionLimited.