These terms and conditions govern your use of the Banque de l’Habitat sal (hereinafter referred to as «Banque-Habitat») website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website. 


You must be at least 18 years of age to use this website. By using this website and by agreeing to these terms and conditions, you warrant and represent that you are at least 18 years of age.


This website uses cookies. By using this website and agreeing to these terms and conditions, you consent to Banque-Habitat’s use of cookies in accordance with the terms of Banque -Habitat’s privacy policy and cookies policy.


License to Use Website


Unless otherwise stated, Banque-Habitat and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.


You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions. 


You must not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website; or
  • redistribute material from this website (except for content specifically and expressly made available for redistribution).


Acceptable Use


You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.


You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.


You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Banque-Habitat’s express written consent.


You must not use this website to transmit or send unsolicited commercial communications.


You must not use this website for any purposes related to marketing without Banque-Habitat’s express written consent. 


Restricted Access


Access to certain areas of this website is restricted. Banque -Habitat reserves the right to restrict access to certain areas of this website, or indeed this entire website, at Banque-Habitat’s discretion.


If Banque -Habitat provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential. 


Banque -Habitat may disable your user ID and password Banque-Habitat’s sole discretion without notice or explanation.


User Content


In these terms and conditions, «your user content» means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.


You grant to Banque-Habitat a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Banque-Habitat the right to sub-license these rights, and the right to bring an action for infringement of these rights.


Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or Banque-Habitat or a third party (in each case under any applicable law). 


You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.


Banque-Habitat reserves the right to edit or remove any material submitted to this website, or stored on Banque-Habitat’s servers, or hosted or published upon this website.


Notwithstanding Banque-Habitat ‘s rights under these terms and conditions in relation to user content, Banque-Habitat does not undertake to monitor the submission of such content to, or the publication of such content on, this website.


No Warranties


This website is provided «as is» without any representations or warranties, express or implied. Banque-Habitat makes no representations or warranties in relation to this website or the information and materials provided on this website. 


Without prejudice to the generality of the foregoing paragraph, Banque-Habitat does not warrant that:


  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading.


Nothing on this website constitutes, or is meant to constitute, advice of any kind.


Limitations of Liability


Banque-Habitat will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:


  • to the extent that the website is provided free-of-charge, for any direct loss;
  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.


These limitations of liability apply even if Banque-Habitat has been expressly advised of the potential loss.




Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit.




By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. 


If you do not think they are reasonable, you must not use this website.


Other Parties


You accept that Banque-Habitat has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Banque-Habitat’s officers or employees in respect of any losses you suffer in connection with the website.


Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Banque-Habitat’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as Banque-Habitat. 


Unenforceable Provisions


If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.




You hereby indemnify Banque-Habitat and undertake to keep Banque-Habitat indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Banque-Habitat to a third party in settlement of a claim or dispute on the advice of Banque-Habitat’s legal advisers) incurred or suffered by Banque-Habitat arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.




Without prejudice to Banque-Habitat’s other rights under these terms and conditions, if you breach these terms and conditions in any way, Banque-Habitat may take such action as Banque-Habitat deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.




Banque-Habitat may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.




Banque-Habitat may transfer, sub-contract or otherwise deal with Banque-Habitat’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.


You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions. 




If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect. 


Entire Agreement


These terms and conditions, together with all other contracts/documents etc. signed between us, constitute the entire agreement between you and Banque-Habitat in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.


Law and Jurisdiction


These terms and conditions will be governed by and construed in accordance with the Lebanese law, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of Beirut.



Information made available by Banque de L’Habitat on its website and social media profiles is subject to the following:

The access and use of Banque de L’Habitat’s website and social media profiles is strictly for information purposes and personal use only; knowing that all the information shown on the website and social media profiles does not constitute, in any way, a legal or financial advice nor a ground for any possible decision.

The information listed on Banque de L’Habitat’s website and social media profiles is based on up-to-date existing information and is subject to change in accordance to new data and without any prior notice from the bank.

Banque du L’Habitat has no obligation to update the website and social media profiles accordingly, although reasonable efforts are made to present current and accurate information on its website and social media profiles. Banque de L’Habitat, including its directors and employees, have no obligation to update, revise or correct any information to reflect any changes occurring after the date of the information posting on the website and social media profiles. Therefore, Banque du L’Habitat has the full right to adjust, revise, and update the contents of its website and social media profiles, at any time, and shall not be held liable for any direct, indirect, incidental, or consequential damages or losses resulting from the use of its information.

Banque du L’Habitat’s Website and social media profiles’ contents are for informational purposes only. Thus, any person interested in any service presented on the website and social media profiles shall contact one of its branches to obtain additional information or services.

On another hand, Banque du L’Habitat does not assure anything related to accuracy, functionality or performance of any software or services and will not be responsible for any electronic virus that may be encountered while accessing its website and social media profiles.

Knowing the internet’s insecurity and the fact that electronic mails can be monitored, Banque du L’Habitat shall not be held responsible for the foregoing.

The on-line tools (including CV and Complaints submissions and loans calculators) available on or through the Website and/or social media profiles are for informational or general illustrative purposes only, and are not guaranteed to be accurate, complete or timely. The information and results provided by the on-line tools are based upon assumptions, projections, and data that may be incorrect or inapplicable, and Banque de L’Habitat disclaims any liability regarding your use of such on-line tools to the fullest extent permitted by law.

All contents of Banque de L’Habitat’s website and social media profiles including, and not limited to, text, graphics, links, products, services, advertising material, listed information, logo, sounds, videos, pictures and media material cannot, by any mean, be copied, downloaded, distributed, used or published, in part or in whole, in any way without the prior written consent of the bank.