Terms of use

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Terms of Use

General Information

The Malta Financial Services Authority (MFSA) has made every effort to ensure that information on this site is reliable and accurate at the time of publishing. However, neither the MFSA nor any of its employees make any express or implied representations or warranties regarding the material and facilities contained or referred to in this site, nor do we accept any liability for any loss or damage whatsoever which may arise in any way out of the use of any of the material or facilities; for errors in or omissions from the material or facilities; or for the accuracy of any information obtained through use of this site. The MFSA shall have no liability for any loss or damage arising out of negligence or otherwise howsoever as a result of use of or reliance on the information on this site.

company #000000;">The information available on this site is a general guide to common personal financial services products. Nothing on this site is intended to be, or should be construed as an invitation, offer or inducement to you or any other person to engage in any financial activity, or to enter into any type of financial arrangement.

If you don't understand how the kind of product you’re looking for works, or if you’re not sure whether it’s suitable for you, then get advice before coming back to this site.

By accessing any part of the MyMoneyBox  portal, you will be deemed to have accepted these terms in full.


Database of tariffs and charges

The aim of the database of fees and charges is to help you compare fees and the most common tariffs charged by financial entities (such as banks and investment firms) in Malta. It should not be construed as advice on the merits of, or a recommendation in relation to, any particular bank, product or service.
The database, and any accompanying information, should not be the only source of information about the respective products or services. You should always ask or verify with your financial entity about the charges applicable to the product or service of your choice. Your entity should always be in a position to provide you with such information and to answer your queries.

The database of tariffs and charges seek to provide a factual position and do not imply any official approval or endorsement of any of the fees or charges therein. The MFSA has endeavoured to ensure that all information obtained from the database is updated and correct. However, no warranty, expressed or implied, is given as to its accuracy and the MFSA does not accept any responsibility or liability for error or omission.


Database of insurance policies’ features

The database reproduces information provided by insurance companies. It displays features of insurance policies offered in Malta only and information contained therein may not be exhaustive. Any information relating to insurance premiums are excluded. Any periodic or seasonal offers (such as discounts on premiums) on certain insurance policies may not be included in the database.
Any information derived from the database should not be construed as advice on the merits of, or a recommendation in relation to, any particular insurance company, policy or service. The database, and any accompanying information, should not be the only source of information about the types of insurance policies being offered.
The tables do not replace the insurance policy or any information provided by the insurer, or his representative.  The database does not imply any official approval or endorsement of any of the features therein. The MFSA, which does not approve insurance policies, has endeavoured to ensure that all information obtained from the database is updated and correct. However, no warranty, expressed or implied, is given as to its accuracy and the MFSA does not accept any responsibility or liability for error or omission.


Online tool comparing fixed term account interest rates of multiple banks in Malta

The information provided through this online service is simply a guide and may not be complete for your purposes. Reference to any accounts by trade name, trademark or otherwise does not constitute or imply endorsement by the MFSA. Information provided on and available from this site does not constitute financial, taxation or other professional advice and should not be relied upon as such. Neither does it represent a recommendation or suggestion to open any particular account with any particular institution.             

The information supplied herein has been provided by the banks themselves. Although great care has been taken to ensure that the information provided is reliable and updated, the MFSA disclaims any responsibility for any errors or omissions. You should always confirm any information sourced from this service with the respective bank before proceeding any further with that bank(s). Indeed, the information contained herein does not in any way whatsoever replace the official information which banks are required to provide on their website and though their branches.

Banks have been requested to inform the MFSA if there are any changes to any information provided herein. We will endeavour to update the information on this website shortly after we are notified.


Continuity of service

The MFSA makes no warranty or representation, express or implied, as to continuity of service and reserves the right to suspend, terminate or otherwise alter access to some or all of the site’s services at any time and without notice.


Backlinks

Hotlinking or linking directly to our content and/or images is not recommended but you are welcome to create a hyperlink to this site from another website. However, this link must not be presented on your site in any context that implies that this website has an association with your site, or endorses your site or product. The MFSA and mymoneybox logos may not be used on external sites without the permission of the MFSA.


Copyright

Reproduction of information obtained from this site is allowed provided reproduction is complete, accurate, not malicious, and is accompanied by a proper reference to the source and an acknowledgement to the MFSA. Notwithstanding such consent, the MFSA does not accept any responsibility or liability in respect of any reproduction of the contents of information obtained from this site. You cannot  use information sourced from the MyMoneyBox portal for any purpose that is unlawful or prohibited by these terms and conditions
Reproduction or use for commercial, comparative or marketing purposes is strictly prohibited.


Privacy Policy

We are committed to protecting our visitors' privacy and we will not collect any personal information about you as a visitor unless you provide it voluntarily. Any personal information you communicate to us is kept within the MFSA in accordance with the Data Protection Act 2001.
Below is a summary of the information we do gather, and how it is used.


The Data Protection Act 2001

The Data Protection Act 2001 has been enacted on the 14th December 2001 and the section concerning the appointment of the Data Protection Commissioner and the Data Protection Appeals Tribunal has been brought into force as from the 15th July 2003. We therefore consider that we have a legal duty to respect and protect any personal information we collect from you and we will abide by such duty. We take all safeguards necessary to prevent unauthorised access and we do not pass on your details collected from you as a visitor, to any third party or Government Department unless you give us your consent to do so.


Information Collected

As a visitor, we collect, where applicable, the following types of information on you:

  • Your IP address;
  • Web page information;
  • Contact or feedback information;
  • Financial transaction information;
  • Site usage information

If you read or download information from our site, we automatically collect and store the following non-personal information:

  • The requested web page or download;
  • Whether the request was successful or not;
  • Information pertaining to your financial transaction but not credit card numbers;
  • The Internet address of the web site or the domain name of the computer from which you accessed the site;
  • The operating system of the machine running your web browser and the type and version of your web browser.

Please note that this information is not shared, rented, or sold to any other organisation.
You may request us at any time what information is effectively held on you if any, at that particular time. You have the right to have any inaccuracies corrected and where applicable erased, if they are not already deleted.

The MFSA ensures visitors that:

  • Personal data is processed fairly and lawfully;
  • Personal data is always processed in accordance with good practice; 
  • Personal data is only collected for specific, explicitly stated and legitimate purposes; 
  • Personal data is not processed for any purpose that is incompatible with that for which the information is collected;
  • Personal data that is processed is adequate and relevant in relation to the purposes of the processed;
  • No more personal data is processed than is necessary having regard to the purposes of the processed;
  • Personal data that is processed is correct and, if necessary, up to date;
  • All reasonable measures are taken to complete, correct, block or erase data to the extent that such data is incomplete or incorrect, having regard to the purposes for which they are processed.


Personal Information

We will not obtain personally-identifying information about you when you visit our site, unless you choose to identify yourself through our registration system. You may request us at any time what information is effectively held on you if any, at that particular time. You have the right to have any inaccuracies corrected and where applicable erased, if they are not already deleted.
We will NEVER release, sell, give or rent your information to any other party or organisation, without your explicit permission. If you choose to stop receiving information on our services and products, we will honour your choice and refrain from sending you such announcements. You may change your choice at any time.


Links

Our site has a number of links to other local and international organisations and agencies. In some cases, we link to private organisations with their permission. It is important for you to note that upon linking to another site, you are no longer on our site and you become subject to the privacy policy of the new site.


Visitor tracking &/or Cookies

MFSA websites use cookies which are text files placed on your computer, to help the website analyze how users use the site.
MFSA websites also make of use third party tools such as Google Analytics which is a web analytic service provided by Google, Inc. (“Google”). Google Analytics also uses cookies, and the information generated by the cookie/s about your use of the website will be also transmitted to and stored by Google on servers in the United States.
Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf.
Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.


Changes to this Privacy Policy

If there are any changes to this privacy policy, we will replace this page with an updated version. It is therefore in your own interest to check the "Privacy Policy" page any time you access our web site so as to be aware of any changes which may occur from time to time.


Revisions

The MFSA maintains the right to delete or modify in part or in full any information on this site without prior notice.

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Last updated: Sep 07, 2016

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