{"id":5773,"date":"2025-10-27T12:22:27","date_gmt":"2025-10-27T12:22:27","guid":{"rendered":"https:\/\/omannationbrand.com\/?page_id=5773"},"modified":"2026-01-06T12:34:39","modified_gmt":"2026-01-06T11:34:39","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/abo.ao\/en\/terms-and-conditions\/","title":{"rendered":"Terms and Conditions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5773\" class=\"elementor elementor-5773\" data-elementor-post-type=\"page\">\n\t\t\t\t\r\n<div class=\"elementor-element elementor-element-5c45e25 e-con-full elementor-hidden-widescreen elementor-hidden-desktop elementor-hidden-laptop e-flex e-con e-parent\" data-id=\"5c45e25\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1d3e59e e-con-full e-flex e-con e-child\" data-id=\"1d3e59e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;,&quot;background_play_on_mobile&quot;:&quot;yes&quot;,&quot;background_privacy_mode&quot;:&quot;yes&quot;,&quot;background_video_link&quot;:&quot;\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/mobile1.mp4&quot;}\">\n\t\t<div class=\"elementor-background-video-container\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t<video class=\"elementor-background-video-hosted\" autoplay muted playsinline loop><\/video>\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"elementor-element elementor-element-1e0da2b elementor-widget elementor-widget-wpml-language-switcher\" data-id=\"1e0da2b\" data-element_type=\"widget\" data-widget_type=\"wpml-language-switcher.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wpml-elementor-ls\">\n<div class=\"wpml-ls-statics-shortcode_actions wpml-ls wpml-ls-legacy-list-horizontal\">\n\t<ul role=\"menu\"><li class=\"wpml-ls-slot-shortcode_actions wpml-ls-item wpml-ls-item-pt-pt wpml-ls-first-item wpml-ls-last-item wpml-ls-item-legacy-list-horizontal\" role=\"none\">\n\t\t\t\t<a href=\"https:\/\/abo.ao\/\" class=\"wpml-ls-link\" role=\"menuitem\"  aria-label=\"Switch to Portuguese\" title=\"Switch to Portuguese\" >\n                                                        <img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/abo.ao\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/pt-pt.svg\"\n            alt=\"Portuguese\"\n            width=40\n            height=40\n    \/><\/a>\n\t\t\t<\/li><\/ul>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0bdd98 elementor-widget elementor-widget-pp-breadcrumbs\" data-id=\"c0bdd98\" data-element_type=\"widget\" data-settings=\"{&quot;breadcrumbs_type&quot;:&quot;powerpack&quot;}\" data-widget_type=\"pp-breadcrumbs.default\">\n\t\t\t\t\t<ul class=\"pp-breadcrumbs pp-breadcrumbs-powerpack\">\t\t<li class=\"pp-breadcrumbs-item pp-breadcrumbs-item-home\">\n\t\t\t<a class=\"pp-breadcrumbs-crumb pp-breadcrumbs-crumb-link pp-breadcrumbs-crumb-home\" href=\"https:\/\/abo.ao\/en\/\" title=\"Home\">\n\t\t\t\t<span class=\"pp-breadcrumbs-text\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"pp-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-home\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tHome\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<\/li>\n\t\t<li class=\"pp-breadcrumbs-separator\">\t\t\t\t<span class='pp-separator-icon pp-icon'>\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t<\/li><\/ul>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2abda1e e-con-full e-flex e-con e-child\" data-id=\"2abda1e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8bd976c elementor-widget elementor-widget-heading\" data-id=\"8bd976c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Terms and Conditions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10bea5c elementor-widget elementor-widget-spacer\" data-id=\"10bea5c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca0cbec e-con-full elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile_extra elementor-hidden-mobile e-flex e-con e-parent\" data-id=\"ca0cbec\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e0a3325 e-con-full e-flex e-con e-child\" data-id=\"e0a3325\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;,&quot;background_play_on_mobile&quot;:&quot;yes&quot;,&quot;background_privacy_mode&quot;:&quot;yes&quot;,&quot;background_video_link&quot;:&quot;\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/desktop9.mp4&quot;}\">\n\t\t<div class=\"elementor-background-video-container\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t<video class=\"elementor-background-video-hosted\" autoplay muted playsinline loop><\/video>\n\t\t\t\t\t<\/div><div class=\"elementor-element elementor-element-303a563 e-con-full e-flex e-con e-child\" data-id=\"303a563\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d222060 elementor-widget elementor-widget-pp-breadcrumbs\" data-id=\"d222060\" data-element_type=\"widget\" data-settings=\"{&quot;breadcrumbs_type&quot;:&quot;powerpack&quot;}\" data-widget_type=\"pp-breadcrumbs.default\">\n\t\t\t\t\t<ul class=\"pp-breadcrumbs pp-breadcrumbs-powerpack\">\t\t<li class=\"pp-breadcrumbs-item pp-breadcrumbs-item-home\">\n\t\t\t<a class=\"pp-breadcrumbs-crumb pp-breadcrumbs-crumb-link pp-breadcrumbs-crumb-home\" href=\"https:\/\/abo.ao\/en\/\" title=\"Home\">\n\t\t\t\t<span class=\"pp-breadcrumbs-text\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"pp-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-home\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tHome\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<\/li>\n\t\t<li class=\"pp-breadcrumbs-separator\">\t\t\t\t<span class='pp-separator-icon pp-icon'>\n\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i>\t\t\t\t<\/span>\n\t\t\t\t<\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eab1261 elementor-widget elementor-widget-wpml-language-switcher\" data-id=\"eab1261\" data-element_type=\"widget\" data-widget_type=\"wpml-language-switcher.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wpml-elementor-ls\">\n<div class=\"wpml-ls-statics-shortcode_actions wpml-ls wpml-ls-legacy-list-horizontal\">\n\t<ul role=\"menu\"><li class=\"wpml-ls-slot-shortcode_actions wpml-ls-item wpml-ls-item-pt-pt wpml-ls-first-item wpml-ls-last-item wpml-ls-item-legacy-list-horizontal\" role=\"none\">\n\t\t\t\t<a href=\"https:\/\/abo.ao\/\" class=\"wpml-ls-link\" role=\"menuitem\"  aria-label=\"Switch to Portuguese\" title=\"Switch to Portuguese\" >\n                                                        <img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/abo.ao\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/pt-pt.svg\"\n            alt=\"Portuguese\"\n            width=40\n            height=40\n    \/><\/a>\n\t\t\t<\/li><\/ul>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15150c5 e-con-full e-flex e-con e-child\" data-id=\"15150c5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c076e47 elementor-widget elementor-widget-heading\" data-id=\"c076e47\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Terms and Conditions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e335914 elementor-widget elementor-widget-spacer\" data-id=\"e335914\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-fad40d9 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"fad40d9\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n                            <div class=\"elementor-background-overlay\"><\/div>\n                \n                        <div class=\"elementor-container elementor-column-gap-no \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c22c60\" data-id=\"4c22c60\" data-element_type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a503ab7 elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"a503ab7\" data-element_type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-no \">\n                    <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0d11414\" data-id=\"0d11414\" data-element_type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        <div class=\"elementor-element elementor-element-f664781 e-grid e-con-boxed e-con e-parent\" data-id=\"f664781\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f69d0f0 e-con-full e-grid e-con e-child\" data-id=\"f69d0f0\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9188077 e-con-full e-transform e-flex elementor-invisible e-con e-child\" data-id=\"9188077\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;motion_fx_motion_fx_mouse&quot;:&quot;yes&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-10,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_widescreen&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_widescreen&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ff8937 elementor-widget elementor-widget-heading\" data-id=\"5ff8937\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">\n<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4c9373 elementor-widget elementor-widget-text-editor\" data-id=\"b4c9373\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>AFRICAN BANK OF OMAN (ABO)<\/strong><\/p>\n<p><em>Privacy and Cookie Policy<\/em><\/p>\n<hr>\n\n<h3>1. Privacy Policy<\/h3>\n\n<h4>1.1 Commitment to Information Security and Confidentiality<\/h4>\n<p>\nAt the African Bank of Oman (ABO), the security, privacy, and confidentiality of our Clients\u2019 information are fundamental principles that guide our operations.\nSupported by a modern and secure technological infrastructure, we comply with leading international banking standards.\n<\/p>\n<p>\nWe ensure all personal data is processed responsibly and in full compliance with applicable data protection laws, including the Personal Data Protection Act of Angola (Law No. 22\/11 of 17 June).\n<\/p>\n\n<h4>1.2 Collection of Personal Data and Legal Basis<\/h4>\n<p>\nWe may collect personal data when you visit our website, interact with digital platforms, or subscribe to services. Processing is based on:\n<\/p>\n\n<ul>\n<li>Your consent<\/li>\n<li>Contractual necessity<\/li>\n<li>Legal and regulatory obligations<\/li>\n<li>Legitimate interests of the Bank<\/li>\n<li>Fraud prevention and security<\/li>\n<\/ul>\n\n<p>\nCollected data may include: name, address, email, phone, identification, and service-related information.\n<\/p>\n\n<h4>1.3 Transparency in Use of Information<\/h4>\n<p>\nYou will always be informed about the purpose, legal basis, whether data is mandatory, and your rights.\n<\/p>\n\n<h4>1.4 Data Retention<\/h4>\n<p>\nData is retained only as long as necessary for its purpose or as required by legal obligations.\n<\/p>\n\n<h4>1.5 Commitment to Client Privacy<\/h4>\n<p>\nWe do not sell or misuse personal data. Access is restricted to authorized personnel trained in confidentiality and data protection.\n<\/p>\n\n<h4>1.6 Sharing of Personal Data<\/h4>\n<p>\nPersonal data may be shared when required:\n<\/p>\n<ul>\n<li>To provide banking services<\/li>\n<li>To comply with laws or regulations<\/li>\n<li>To protect clients or prevent fraud<\/li>\n<li>With third parties maintaining equivalent security standards<\/li>\n<\/ul>\n\n<h4>1.7 Information Security Measures<\/h4>\n<p>\nWe implement strong technical and organizational measures including encryption, firewalls, monitoring, audits, and staff training.\n<\/p>\n\n<h4>1.8 Data Subject Rights<\/h4>\n<p>Clients have the right to:<\/p>\n<ul>\n<li>Access their personal data<\/li>\n<li>Request corrections<\/li>\n<li>Request deletion where legally permitted<\/li>\n<li>Restrict or object to processing<\/li>\n<li>Withdraw consent<\/li>\n<li>Request data portability<\/li>\n<\/ul>\n\n<h4>1.9 Reporting Security Concerns<\/h4>\n<p>\nIf you suspect misuse or unauthorized access, contact us immediately.\n<\/p>\n\n<h4>1.10 Contact<\/h4>\n<p>\n<strong>African Bank of Oman (ABO)<\/strong><br>\nData Protection Department<br>\nEmail: <a href=\"mailto:proteccaodedados@abo.ao\">proteccaodedados@abo.ao<\/a>\n<\/p>\n\n<hr>\n\n<h3>2. Rules on the Use of Cookies<\/h3>\n\n<h4>2.1 Cookies for Personalization<\/h4>\n<p>\nOur website uses cookies to enhance user experience, ensure security, and support digital service functionality.\n<\/p>\n\n<h4>2.2 What Cookies Are<\/h4>\n<p>\nCookies are small text files that cannot run programs, carry viruses, or identify you personally.\n<\/p>\n\n<h4>2.3 Purpose of Cookies<\/h4>\n<ul>\n<li>Recognize your device during return visits<\/li>\n<li>Improve website performance and loading speed<\/li>\n<li>Support authentication and fraud prevention<\/li>\n<li>Store preferences such as language or region<\/li>\n<\/ul>\n\n<h4>2.4 Types of Cookies We Use<\/h4>\n<p><strong>Necessary:<\/strong> Required for website and banking functions.<\/p>\n<p><strong>Performance:<\/strong> Helps measure and improve service quality.<\/p>\n<p><strong>Functional:<\/strong> Stores user preferences.<\/p>\n<p><strong>Marketing:<\/strong> Provides relevant content (non-identifiable).<\/p>\n\n<h4>2.5 Managing Cookies<\/h4>\n<p>\nYou may accept or disable cookies in your browser settings. Some features may not function without essential cookies.\n<\/p>\n\n<hr>\n\n<h3>3. Updates to the Policy<\/h3>\n<p>\nWe may update this policy to reflect legal requirements or improvements to our services. Changes will be published on our website.\n<\/p>\n\n<h3>4. Contact<\/h3>\n<p>\n<strong>African Bank of Oman (ABO)<\/strong><br>\nData Protection Department<br>\nEmail: <a href=\"mailto:proteccaodedados@abo.ao\">proteccaodedados@abo.ao<\/a>\n<\/p>\n\n<hr>\n\n<p>\n\u00a9 2025 AFRICAN BANK OF OMAN, S.A., Registered in Luanda. Taxpayer No. 5002466260, Rua Manuel Fernandes Caldeira, Torre X, Luanda, Angola.\n<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                    <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n        \t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Terms and Conditions Home Terms and Conditions AFRICAN BANK OF OMAN (ABO) Privacy and Cookie Policy 1. Privacy Policy 1.1 Commitment to Information Security and Confidentiality At the African Bank of Oman (ABO), the security, privacy, and confidentiality of our Clients\u2019 information are fundamental principles that guide our operations. Supported by a modern and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":8,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-5773","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/abo.ao\/en\/wp-json\/wp\/v2\/pages\/5773","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/abo.ao\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/abo.ao\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/abo.ao\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/abo.ao\/en\/wp-json\/wp\/v2\/comments?post=5773"}],"version-history":[{"count":39,"href":"https:\/\/abo.ao\/en\/wp-json\/wp\/v2\/pages\/5773\/revisions"}],"predecessor-version":[{"id":8112,"href":"https:\/\/abo.ao\/en\/wp-json\/wp\/v2\/pages\/5773\/revisions\/8112"}],"wp:attachment":[{"href":"https:\/\/abo.ao\/en\/wp-json\/wp\/v2\/media?parent=5773"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}