CAC International Bank Internet Banking Terms of Access Agreement

Please read carefully the following Internet Banking Terms of Access

What this Terms of Access Agreement Covers

This Agreement between you and CAC International Bank ("CAC IB", "the Bank"), governs the use of CAC IB Internet Banking, an electronic service that permits CAC IB customers to access account information and financial services through the use of personal computers or similar access devices. In this Agreement, the words "you" and "your" refer to the account holder(s) and his (their) authorized signatories.

Account Access

Account(s) to be accessed through CAC IB Internet Banking will include all accounts listed on your CAC IB Customer Profile. In order to link different accounts, you must be a signatory to these accounts.

Lost / Stolen Card or Password

You agree to keep your password safe and, in the event that you are a business customer given the facility to nominate persons authorized to access your accounts, you will ensure that all such authorized users keep their passwords safe and that you and all authorized users will not share the same with anyone. You agree that you will notify us immediately if you suspect that your password or the password of an authorized user has been compromised or that your account(s) has (have) been or may be accessed by an unauthorized party (ies), in which event you acknowledge that you are obliged to contact Customer Service.

Suspension / Cancellation of CAC IB Internet Banking

You may cancel this Agreement at any time by written notification to the Bank, using CAC IB Internet Banking secure message, fax, or mail notice. The Bank shall have the right in its sole discretion to (i) limit your use of CAC IB Internet Banking; (ii) suspend your use of Internet Banking, or (iii) terminate your use of CAC IB Internet Banking and cancel this Agreement, for valid reason provided that any such limitation, suspension, or termination is immediately notified to you by mail. Mail shall be deemed to be effected and received by you on the third day after postage of the same by registered post.

Confidentiality at CAC International Bank

You have a right to confidentiality and financial privacy provided always that the Bank may disclose any information about you and your accounts:

  • in response to credit inquiries;
  • if the Bank in its discretion deems such disclosure necessary or desirable;
  • pursuant to legal process or subpoena, or
  • if disclosure is necessary to protect the Bank's interests.

Limit of Liability

The Bank agrees to make reasonable efforts to ensure full performance of CAC IB Internet Banking. The Bank will be responsible for acting only on those instructions sent through CAC IB Internet Banking, which are actually received. The Bank does not assume responsibility for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages you send. The Bank is not responsible for any losses or delays in transmission of instructions arising out of the use of any Access Service Provider or caused by any browser software. The Bank is not responsible should you give incorrect instructions or if your payment instructions are not given sufficiently in advance to allow for timely payment.

Any information you receive from the Bank is believed to be reliable. However, it can only be provided on a best effort basis for your convenience and is not guaranteed. The Bank is not liable for any deficiencies in the accuracy, completeness, availability or timeliness of such information or for any investment or other decision made using this information unless due to the Bank's negligence.

The Bank is not responsible for system disruptions including disruptions caused by any computer virus or related problems.

Prohibitions on Use

You will not: (i) access or use the Services for an illegal, fraudulent or defamatory purpose, or (ii) take steps or actions that could or do undermine the security, integrity, effectiveness, goodwill or connectivity of the Services (including but not limited to fraudulent, malicious or other activities that threaten to harm or cause harm to any other person).

Authorized Users

For business customers, Internet banking access to account information and financial services will be made available to those persons who are authorized to access the account by means of their own personal and individual login and password identification. You agree to assume full responsibility for any and all actions taken by an authorized user. You agree and acknowledge that your personal login information and password is not to be shared, divulged, or disclosed to anyone and that the authorized users will only access your account information and financial services by means of login identification and password assigned to that particular authorized user.

Customer Service / Technical Assistance

If you need technical assistance with CAC IB Internet Banking, or if you need to communicate with the Bank, telephone Customer Service at 253 21-35-63-63

Electronic Messages

Because normal Internet e-mail transmissions may not be secure, you agree to contact us regarding your account electronically only through the CAC IB Internet Banking Secure Messaging function or by phone and not through other e-mail methods. You also agree to receive communications regarding your account electronically and will not attempt to circumvent receiving any messages. You are deemed to have received any electronic messages sent to you when they are made available to you.

Account Transfers and Bill Payments

When you instruct the Bank to transfer funds between your CAC IB accounts or pay a bill through CAC IB Internet Banking, you authorize the Bank to withdraw the necessary funds from the CAC IB account you designated. You agree that you will instruct the Bank to make a withdrawal only when a sufficient balance is or will be available in your designated account at the time of withdrawal. The Bank will not be obligated to act on any withdrawal instruction from you if sufficient funds, including overdraft lines of credit, are not available in the account you designated.


In the event any one or more of the provisions of this Agreement shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable.


Notices to the Bank shall be in writing and sent to P.O. Box 1868, Rue de Marseille, and Djibouti. Notices to you shall be issued in writing to your address on record or otherwise as provided herein.

Governing Law

This Agreement shall be governed by the laws of the Republic of Djibouti.

Contact us

Phone: 253-21-35-63-63

Fax: 253-21-35-61-55

Website: www.cacintbank.com