Website Terms and Conditions

CRDB BANK PLC

TERMS OF SERVICE / TERMS OF USE

Last Updated: July 2026

1. Introduction

Welcome to the official website of CRDB Bank Plc ("CRDB", "the Bank", "we", "us" or "our") located at www.crdbbank.co.tz. These Terms of Service ("Terms") govern your access to and use of this website and any content, information, products, services, features, and functionality made available through it.

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use this website.

CRDB Bank Plc is a public limited company incorporated in the United Republic of Tanzania, licensed and regulated by the Bank of Tanzania, and listed on the Dar es Salaam Stock Exchange.

2. Definitions

For purposes of these Terms:

• "Website" means www.crdbbank.co.tz and any related webpages operated by CRDB.
• "User," "You," and "Your" mean any individual or entity accessing or using the Website.
• "CRDB," "Bank," "We," "Us," and "Our" mean CRDB Bank Plc.
• "Content" means all information, text, graphics, logos, trademarks, designs, audio, video, software, documents, downloads, and materials available on the Website.
• "Services" means any services, products, facilities, information, applications, or functionality made available through the Website.

3. About this Website

This Website is provided primarily for informational purposes regarding CRDB , its products, services, subsidiaries, affiliates, investor relations activities, sustainability initiatives, career opportunities, and other business activities.

Nothing on this Website constitutes:

• A banking contract;
• Financial, legal, tax, investment or professional advice;
• An offer capable of acceptance or acceptance of any offer;
• A solicitation to purchase or sell a financial product;
• A guarantee of approval for any banking product, service, loan or facility.

Specific products and services offered by CRDB are governed by separate agreements, terms, product conditions, and other legal instruments. Those specific agreements shall prevail in the event of any inconsistency with these Terms.

4. Eligibility

You must be at least eighteen (18) years old and legally capable of entering into binding legal obligations to use this Website.

If you access or use this Website on behalf of a company, institution, government agency, or other organization, you represent and warrant that you have the authority to bind that organization to these Terms.

5. Permitted Use of the Website

You may use this Website solely for lawful purposes and in accordance with these Terms.

You agree not to:

• Violate any applicable law, regulation, regulatory requirement, or court order;
• Use the Website in any fraudulent, misleading, deceptive, or unlawful manner;
• Attempt to gain unauthorized access to any part of the Website, systems, networks, or databases;
• Circumvent or interfere with security controls or authentication measures;
• Introduce viruses, malware, ransomware, trojans, worms, or other malicious code;
• Interfere with the functionality, integrity, performance, or availability of the Website;
• Scrape, harvest, extract, mine, copy, download, or collect information through automated means without authorization;
• Conduct denial-of-service attacks or similar activities;
• Impersonate CRDB, another person, or another organization;
• Engage in phishing, fraud, identity theft, or social engineering activities;
• Use the Website for any activity that may damage CRDB's systems, reputation, customers, or operations.

6. Digital Security and Fraud Awareness

CRDB takes cybersecurity and fraud prevention seriously. However, internet-based services carry inherent risks.

CRDB will never request that you disclose:

• Your full password;
• PIN;
• One-time password (OTP);
• Authentication code;
• Security credentials;

through email, SMS, social media, telephone calls, messaging applications, or suspicious links.

You are responsible for:

• Maintaining the confidentiality of your credentials;
• Securing your devices and systems;
• Promptly reporting any suspected compromise, fraud, or unauthorized activity.

To the extent permitted by law, CRDB shall not be liable for losses arising from your failure to adequately protect your credentials or from responding to fraudulent communications that do not originate from CRDB.

7. Intellectual Property Rights

Unless otherwise stated, all intellectual property rights in the Website and its contents are owned by, licensed to, or controlled by CRDB.

This includes, without limitation:

• The CRDB name;
• CRDB trademarks;
• Logos;
• Trade names;
• Website design and layout;
• Software;
• Databases;
• Text;
• Graphics;
• Images
• Product names, designs and descriptions;
• Audio and video content.

You may access and use the Website for your own personal, lawful, and non-commercial purposes only.

You must not:

• Republish Website content;
• Reproduce Website content;
• Sell Website content;
• Rent Website content;
• License Website content;
• Commercially exploit Website content;
• Modify Website content;
• Distribute Website content without prior written permission from CRDB.

8. User-Generated Content and Community Features

Where CRDB allows users to post comments, reviews, feedback, opinions, suggestions, or other content, such content remains the responsibility of the person posting it.

CRDB does not routinely pre-screen, edit, endorse, or approve user-generated content before publication.

You represent and warrant that:

• You have the legal right to submit the content;
• The content does not infringe intellectual property rights;
• The content is not defamatory, offensive, unlawful, misleading, or harmful;
• The content does not violate privacy rights;
• The content is not used to promote unlawful activities, spam, or unauthorized commercial activity.

CRDB reserves the right, but not the obligation, to monitor, review, edit, restrict, or remove content that violates these Terms or may expose CRDB, customers, regulators, or other persons to risk. You will be liable and responsible for the consequences of infringement of any laws, regulations, contractual obligations any other lawful orders with respect to the content you post on the Website.

By posting content, you grant CRDB a non-exclusive, worldwide, royalty-free license to use, reproduce, display, modify, and distribute such content for legitimate business purposes.

9. Third-Party Links and Content

The Website may contain links to third-party websites, platforms, applications, social media services, or external resources.

Such links are provided solely for convenience and informational purposes. CRDB:

• Does not control those third parties;
• Does not guarantee their accuracy;
• Does not endorse their content;
• Does not accept responsibility for their privacy practices, security, products, services, or information.

Accessing third-party websites is at your own risk and is subject to the terms and policies of those third parties.

10. Hyperlinking to the CRDB Website

The following may generally link to the Website without separate approval, provided the link is lawful and not misleading:

• Government authorities;
• Search engines;
• News organizations;
• Recognized business and professional directories.

Other organizations wishing to link to the Website may request permission from CRDB.

Any link to the Website:

• Must not imply sponsorship or endorsement where none exists;
• Must not be deceptive;
• Must not damage CRDB's reputation;
• Must fit within the context of the linking website.

CRDB reserves the right to require removal of any link to the Website at any time and for any reason. Upon request, such links must be promptly removed.

11. Use of CRDB Name, Logos and Trademarks

The CRDB name, logo, trademarks, service marks, branding, and related intellectual property may not be used without prior written authorization from CRDB.

No person may use CRDB branding in connection with:

• Advertising;
• Marketing;
• Product promotion;
• Website linking arrangements;
• Domain name registration;
• Social media accounts;

without a valid written authorization or license from CRDB.

12. Framing and Embedding Restrictions

Without prior written permission from CRDB, you may not:

• Create frames around Website pages;
• Embed Website content;
• Mirror Website content;
• Alter the visual presentation of Website pages;
• Integrate CRDB pages into another website using frames, iframes, or similar technology.

13. Privacy and Cookies

Your use of the Website is also governed by CRDB's:

• Privacy Notice; and
• Cookie Policy.

These documents explain how CRDB collects, uses, stores, protects, transfers, and processes personal data in accordance with the Personal Data Protection Act, 2022 and applicable regulations.

Cookie consent is managed separately through CRDB's Cookie Policy and cookie preference management tools. Acceptance of these Terms does not by itself constitute consent to non-essential cookies.

14. Website Availability

CRDB aims to maintain the availability, integrity, performance, and security of the Website. However, CRDB does not guarantee that the Website will:

• Always be available;
• Operate without interruption;
• Be error-free;
• Be free from defects;
• Be free from malicious code.

CRDB may suspend, restrict, modify, withdraw, or discontinue any part of the Website at any time for maintenance, legal, operational, security, business, or regulatory reasons.

15. Accuracy of Information

CRDB makes reasonable efforts to ensure that information on the Website is accurate and current. However, no representation or warranty is made that content is complete, accurate, reliable, or up to date at all times.

Product features, interest rates, fees, commissions, charges, eligibility requirements, and other information may change without notice. Users should verify critical information directly with CRDB before making decisions based on Website content.

16. Content Liability

CRDB shall not be responsible for content appearing on third-party websites that link to or reference the Website.

Organizations linking to the Website agree to indemnify and defend CRDB against claims arising from unlawful, infringing, defamatory, misleading, offensive, or otherwise unlawful content published on their websites.

17. Disclaimers and Limitation of Liability

To the maximum extent permitted by applicable law, the Website and its content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.

CRDB does not guarantee:

• Continuous Website availability;
• Accuracy or completeness of content;
• Compatibility with all devices;
• Absence of system interruptions;
• Error-free operation.

To the fullest extent permitted by law, CRDB shall not be liable for:

• Indirect loss;
• Consequential loss;
• Incidental loss;
• Special damages;
• Loss of profits;
• Loss of revenue;
• Loss of goodwill;
• Loss of business opportunities;
• Loss of data arising from use of the Website.

Nothing in these Terms excludes liability that cannot legally be excluded under applicable law, including liability for fraud, fraudulent misrepresentation, or any liability that applicable law prohibits CRDB from excluding.

18. Reservation of Rights

CRDB reserves all rights not expressly granted under these Terms.

CRDB may:

• Monitor Website activity;
• Investigate potential violations;
• Restrict or terminate access;
• Remove content;
• Implement technical controls;
• Enforce these Terms through legal or regulatory action where appropriate.

19. Changes to these Terms

CRDB may revise, amend, update, or replace these Terms from time to time to reflect:

• Legal changes;
• Regulatory developments;
• Technology changes;
• Product updates;
• Security requirements;
• Operational needs.

Updated Terms become effective upon publication on the Website unless otherwise stated. Continued use of the Website after publication constitutes acceptance of the revised Terms.

20. Governing Law and Dispute Resolution

These Terms and any dispute, controversy, or claim arising out of or relating to them, or your use of the Website, shall be governed by and construed in accordance with the laws of the United Republic of Tanzania.

The courts of Tanzania shall have jurisdiction over disputes arising from these Terms, subject to any applicable alternative dispute resolution process or regulatory mechanism available under Tanzanian law.

Nothing in these Terms limits any rights available to customers under applicable banking, consumer protection, data protection, or other mandatory laws.

21. Contact Information

If you have any questions regarding these Terms, please contact:

CRDB Bank Plc
Ali Hassan Mwinyi Road P.O Box 268 Dar es Salaam, Tanzania

Email: [email protected]

Telephone: +255 (0)755197 700

For privacy-related matters, please contact:

Data Protection Officer
CRDB Bank Plc

Email: [email protected]