1. General provisions
1.1. These Terms and Conditions govern the use of the Executive Card and Debit Card (hereinafter referred to individually as the “Card” and collectively as the “Cards”) issued by Pilatus Bank (hereinafter referred to as the “Bank”, “we”, “us”, “our” or other similar pronouns). Your agreement with the Bank in relation to the use of the Cards is made up of these Terms and Conditions together with the Bank’s General Terms and Conditions which are available on the Bank’s Internet Site at http://www.pilatusbank.com and at the Bank’s Premises.
1.2. To the extent that there is any conflict or discrepancy in meaning between these Terms and Conditions and the Bank’s General Terms and Conditions, the former shall prevail.
2. Definitions
2.1 In these Terms and Conditions:
i. “Account” means any bank account held by the Bank in the name of the Cardholder;
ii. “Authorised Person” refers to one or more natural persons who are authorised by the Cardholder and the Bank to use the Cards;
iii. “Additional Cards” refers to any supplementary Cards which the Bank may issue to the Authorised Person(s);
iv. “ATM(s)” refers to the automatic teller machines at which the Debit Card will be accepted, which may either be operated by the Bank or third party operators in Malta and/or overseas;
v. “Card Account” means any Account linked to an Executive Card and/or Debit Card and on which all Card Transactions carried out through that Card are charged;
vi. “Card Application Form” refers to the form through which the prospective Cardholder may apply for the issuance of one or both Cards;
vii. “Card Details” means the Card issuer name, Cardholder name, Card number and expiry date, as well as the security code and any other words or numbers printed on the Card;
viii. “Card Transaction” means (a) any payment for goods and/or services, cash withdrawals from a bank or financial institution (including ATM withdrawals) and transfer of funds made through the use of the Debit Card and/or (b) any payment for goods and/or services and transfer of funds made through the use of the Executive Card;
ix. “Cardholder” means either a natural person or a legal entity who has been issued with a Debit Card and/or the Executive Card by the Bank. Where a Card is issued to a legal entity with an Account, the Bank will include the name of the Authorised Person;
x. “Cardholder Authorisation Form” refers to the form provided by the Bank through which the Cardholder may request for the issuance of Additional Cards to the Authorised Person(s);
xi. “Debit Card” means a card, which is issued by the Bank, allowing the Cardholder to deduct money electronically from his bank account when making purchases and transfers of funds as well as cash withdrawals from ATMs;
xii. “EPOS” means the Electronic Point of Sale provided by a retailer and/or merchant in Malta and/or overseas;
xiii. “Executive Card” means a card, which is issued by the Bank, allowing the Cardholder to make purchases and transfer funds electronically;
xiv. “General Tariffs” refers to the tariffs and charges charged by the Bank in relation to the Bank’s products and services including any Card Transaction. The Bank’s General Tariffs are available on the Bank’s Internet Site http://www.pilatusbank.com and at the Bank’s Premises;
xv. “Payee” means a natural or legal person who is the intended recipient of funds which have been the subject of a Card Transaction;
xvi. “PIN” means the Personal Identification Number issued by the Bank for use with the Cards.
2.2. Any terms not defined in these Terms and Conditions shall have the same meaning as assigned to such terms in the Bank’s General Terms and Conditions.
2.3. Unless the context otherwise indicates, words expressed in the singular shall include the plural and vice versa and the use of the neuter, masculine or feminine gender is for convenience only and shall be deemed to mean and include the neuter, masculine or feminine gender as appropriate.
3. The Cards and the PIN
3.1. At the sole discretion of the Bank, a Debit and/or Executive Card may be issued to a prospective Cardholder following submission of a Card Application Form (hereinafter referred to as the “Application”). Every field of the Card Application Form must be completed in order that the Bank may take into consideration the Application. The Cardholder represents and warrants that the information provided to the Bank through the Card Application Form is complete, up-to-date and accurate.
3.2. The Cardholder and, where applicable, any Authorised Person must sign any Cards issued to him immediately upon receipt. The signature on the Card may, upon presentation of the Card, be used by retailers and/or merchants to authenticate the Cardholder when authorising a Card Transaction.
3.3. The Card may only be used by the Cardholder and, where applicable, any Authorised Person and the Cardholder and, where applicable, any Authorised Person must apply the required diligence in order to prevent any damage to the Card and/or interference with any magnetic strip and/or electronic circuit incorporated and/or loss, theft or unauthorised use of the Card.
3.4. The Cardholder and, where applicable, any Authorised Person must take all reasonable precautions to prevent the Card and PIN from being used fraudulently.
3.5. The Card remains property of the Bank and must be returned on request.
3.6. The Card may only be used during the validity period displayed on it.
3.7. The Debit Card may only be used within any amounts available in the Card Account.
3.8. The Executive Card may only be used up to the amounts in respect of which it is issued.
3.9. The Card must not be used if it is cancelled, revoked or suspended by the Bank.
3.10. The Card Details and relevant PIN must only be used by the Cardholder and, where applicable, any Authorised Person, and must be kept secret. This means that the Cardholder and, where applicable, any Authorised Person must not disclose the PIN or any other Card Details to anyone else, including any public authority and/or Bank personnel, nor record the PIN in any way which allows another person to discover it. Upon receipt of the PIN, the Cardholder and, where applicable, any Authorised Person must memorise the PIN and destroy the PIN notification. The Cardholder and, where applicable, any Authorised Person must, moreover, comply with any other instructions which the Bank may issue regarding the safekeeping of the PIN. In no event may the Cardholder and, where applicable, any Authorised Person keep the PIN with the Card.
3.11. In partial derogation to Clause 3.10, the Cardholder may disclose Card Details, excluding the PIN, to Bank personnel when contacting the Bank in connection with a Card, Card Transactions or when reporting the loss, theft or fraudulent use of the Card to a public authority as per Clause 6.
3.12. Three (3) consecutive erroneous PIN entries at any ATM may cause that ATM to capture and block the Debit Card from further use for twenty-four (24) hours.
3.13. Three (3) consecutive erroneous PIN entries in an EPOS may cause a Card to be automatically blocked. In such an instance, the Cardholder and, where applicable, any Authorised Person may unblock the Card by contacting the Bank.
3.14. All Card Transactions carried out by the Authorised Person shall be considered as though carried out by the Cardholder.
3.15. The Bank may issue a Card to any one or more of the Joint Account holders. Irrespective of who of the Joint Account holders is a Cardholder, all the Joint Account holders are jointly and severally liable for any Card Transaction executed through the Card and for complying with these Terms and Conditions as well as the General Terms and Conditions.
3.16. The Cardholder remains responsible for any transaction carried out through a Card for a period up to forty-five (45) days from the date that the Card was returned to the Bank.
4. Additional Cards
4.1. At its sole discretion and following the written request of the Cardholder made through the Cardholder Authorization Form, the Bank may issue Additional Cards to Authorised Persons that the Cardholder nominates and authorises to operate the related Card Account. Only authorised signatories on the Account and/or the Card Account are entitled to request Additional Cards.
4.2. The Cardholder must ensure that any Authorised Persons are aware of and comply with these Terms and Conditions, as well as the General Terms and Conditions.
4.3. The Card Account will be debited with all amounts payable pursuant to the relative Card Transaction, including all applicable fees and charges and including any amount charged by other payment service providers for the use of an ATM and/or EPOS, even though the Authorised Person has not authorised that Card Transaction.
4.4. The Cardholder and Authorised Persons are jointly and severally liable for the use of the Additional Cards and any obligation incumbent on the Cardholder shall be construed to refer also to the Authorised Persons.
4.5. The Cardholder is responsible for the return of any Additional Card to the Bank.
5. Use of the Cards
5.1. The Cardholder may execute Card Transactions in Malta and/or overseas at any location that displays the MasterCard© acceptance mark, including shops, restaurants, over the internet or on the telephone, and for any purpose that the Bank allows from time to time. The Bank does not guarantee the proper functioning of the Cards if they are used at any location that does not display the MasterCard© acceptance mark, whether in Malta and/or overseas.
5.2. The Cards must not be used for any illegal purpose.
5.3. The Bank may impose daily limits to the amount and number of cash withdrawals which the Cardholder may make through the use of the Debit Card. Such limit shall be communicated to the Cardholder upon issuance of the Debit Card and upon any variation thereto.
5.4. The owner of the ATM may impose more restrictive limits and charge a surcharge or convenience fee for withdrawing cash; such limits, surcharges and fees are additional to and independent of those applied by the Bank.
5.5. The Card Account related to the Executive Card is funded with a balance which is made available to the Cardholder by the Bank every month. The balance which is made available on a monthly basis is fixed by the Bank upon the issuance of the Executive Card; this fixed monthly balance may be decreased or increased at the Bank’s sole discretion. Prior notification by the Bank of any change to the fixed monthly balance by the Bank is only required in the instance that the monthly balance is decreased.
5.6. The Executive Card can be used up to the limit of the monthly fixed balance, until the expiry date indicated on the Executive Card. At the end of every month, the Card Account related to the Executive Card will be automatically credited up to the initial fixed balance by the Bank. The amount used to credit the Card Account that is linked to the Executive Card shall be transferred by the Bank from the Cardholder’s Account.
5.7. The Executive Card may not be used for cash withdrawals or ATMs transactions.
5.8. The Cardholder is not entitled to any interest on the amount used to credit the Card Account.
5.9. The Cardholder may use the Cards:
a. by signing a sales voucher or order form showing, among other things, the Card number; or
b. by entering the PIN on the EPOS; or
c. where applicable, through ATMs by entering a PIN; or
d. over the telephone by quoting the Card number and other details that may be required by the operator; or
e. to pay for goods and/or services through the internet by entering the Card Details.
5.10. The Cardholder’s signature on a sale voucher, order or authorisation form showing the Card number, the quoting of any Card Details over the telephone or internet as well as the inputting of the PIN at an ATM or an EPOS shall be construed as the Cardholder’s consent to the execution of a Card Transaction.
5.11. The point in time of receipt of the payment order relating to a Card Transaction shall be when the payment order submitted by the Cardholder in the form set out in Clauses 5.9 and 5.10, or indirectly by or through a Payee, is received by the Bank. If the point in time of receipt is not a Business Day, the payment order shall be deemed to have been received on the following Business Day.
5.12. A Card Transaction may not be revoked nor amended by the Cardholder once the latter has given his consent in the form mentioned in Clauses 5.9 and 5.10, except if the amount was not determined when the authorisation was given. In the case of Card Transactions which are initiated by or through a Payee, the Cardholder may not revoke the Card Transaction after transmitting the payment order or giving the Payee his consent to execute the Card Transaction.
5.13. The Card Account will be debited with all amounts payable by the Cardholder pursuant to the relative Card Transaction, including all applicable fees and charges and including any amount charged by other banks for the use of their ATM and/or EPOS, even though the Cardholder has not authorised that Card Transaction.
5.14. Maximum execution time for Card Transactions depends on the execution time provided by the payment service provider which issues the Cards; consequently, the Bank may not guarantee any maximum execution time for Card Transactions.
5.15. Under no circumstances is the Cardholder authorised to overdraw the Card Account unless previously authorised by the Bank.
5.16. The Bank has the right to charge to the Card Account the amounts of all transactions should the Card Account be overdrawn or become overdrawn as a result of a Card Transaction. Overdrawn accounts shall be subject to an additional charge as per the General Tariffs.
5.17. When a Card Transaction is made in a currency which is different from the currency in which the Account is denominated, the amount of the Card Transaction will be converted into the currency of the Account at the rates of exchange applicable at the time the transaction is cleared; all fees and charges related to currency conversion will be charged on the Account. The exchange rates are the wholesale rates applied on the date the transaction is processed by the Bank adjusted by a premium indicated in the General Tariffs.
5.18. The Bank may refuse to process a Card Transaction if:
a. a Card Transaction would result in an unauthorised overdrawal of the Card Account; or
b. a Card Transaction does not comply with any clause of these Terms and Conditions and/or the Bank’s General Terms and Conditions; or
c. the Bank considers that the Card or the Card Account has been, or is likely to be compromised.
5.19. The Bank may, at any time, suspend the use of the Cards for any reason including the security of the Cards, the suspicion of unauthorised or fraudulent use of the Cards or a breach or a possible breach by the Cardholder of the Bank’s General Terms and Conditions and/or these Terms and Conditions.
5.20. Where possible, the Bank will inform the Cardholder of the refusal to process a Card Transaction, as per Clause 5.18, and/or suspension of the use of the Cards, as per Clause 5.19, and the reasons of the refusal and/or suspension beforehand or at the latest, immediately after, unless giving such information would compromise security or is prohibited by law. Where applicable the Bank will inform the Cardholder of the refusal and/or suspension mentioned above by telephone or any available or appropriate means.
5.21. Reactivation of a Card which has been suspended by the Bank on account of a breach by the Cardholder of the Bank’s General Terms and Conditions and/or these Terms and Conditions is subject to a charge as per the General Tariffs.
5.22. When the Card has expired, it must be returned to the Bank or destroyed by cutting it through the signature panel box and magnetic stripe, and disposed of appropriately.
6. Security of the Cards and PIN
6.1. The Cardholder and, where applicable, any Authorised Person must take all the reasonable precautions to prevent the loss, theft or fraudulent use of the Cards. The Cardholder and, where applicable, any Authorised Person must also take all the reasonable precautions to prevent the PIN being disclosed to any third party.
6.2. The Cardholder and, where applicable, any Authorised Person must notify the Bank by calling 9900-27799990 immediately upon realising that: (i) a Card has been lost or stolen; or (ii) the PIN has become known to a third party. Moreover, the Cardholder and, where applicable, any Authorised Person must notify the Bank by immediately calling 9900-27799990 if: (i) the Cardholder and, where applicable, any Authorised Person suspects that the Card and/or the PIN may have been misused in any way; or (ii) after checking the statement of the Card Account, the Cardholder and, where applicable, any Authorised Person realises that a Card Transaction is unauthorised or in any manner incorrect (collectively the “Incident(s)”). The Bank may, at its sole discretion, make available to the Cardholder and, where applicable, any Authorised Person other means of notification of such Incidents.
6.3. Following receipt of a notification of an Incident, the Bank will take all appropriate steps to interrupt the use of the Card and, where appropriate, any Additional Card. Upon request by the authorised signatories and subject to the Bank’s discretion, a new Card and a new PIN will be provided to the Cardholder and the Authorised Person. A fee may apply for the replacement of a Card and/or PIN as well as the dispatch or collection of a Card and/or PIN.
6.4. The Cardholder must provide all the necessary and relevant information as requested by the Bank in the attempt to retrieve the Card or stop its misuse. The Cardholder hereby acknowledges and agrees that the Bank may pass on any such information to other organisations involved in the Card payment scheme, to its advisors or sub-contractors as well as local and foreign law enforcement authorities. If the Cardholder is asked to report such transactions to the relevant law enforcement authorities, this must be done within forty-eight (48) hours.
6.5. If a misplaced Card is found after being reported lost or stolen, it must not be used and must be returned to the Bank or cut through the signature panel box and magnetic stripe, and disposed of appropriately.
6.6. The Cardholder is unlimitedly responsible for any transaction carried out using the Cards and/or the related PIN if the Cardholder or, where applicable, the Authorised Person has:
a. not used the Cards and/or the PIN in accordance with these Terms and Conditions and the Bank’s General Terms and Conditions; or
b. not notified the Bank in the cases and in the manner set forth in Clause 6.2;
c. recorded the PIN in any easily recognisable form, in particular on the Card or on any item which the Cardholder and/or the Authorised Person keeps or carries with the Card;
d. acted negligently or fraudulently.
7. Refunds
7.1. The Bank is not responsible for the quality, safety, legality or any other aspect of any goods and/or services purchased using the Cards. Any dispute against a retailer, supplier or third party bank over a Card Transaction should be directly settled by the Cardholder with the retailer, supplier or third party bank and shall not prevent the Bank from debiting the Card Account for the Card Transaction.
7.2. If a retailer, supplier or third party bank agrees to refund a Cardholder for a Card Transaction, the Bank will credit the refund on the Card Account after receiving an appropriate voucher or satisfactory confirmation from the retailer, supplier or third party bank.
7.3. In the event that it is established that a Card Transaction was executed erroneously by the Bank, the Bank shall credit to the Card Account the amount of that Card Transaction together with the related charges which may have been debited to the same. The Bank shall also bear any interest to which the Cardholder is subject due to the erroneous execution of the Card Transaction.
7.4. The Cardholder shall be entitled to request a refund from the Bank in the instance that the Cardholder can produce evidence that the authorisation attaching to a Card Transaction did not specify the exact amount, the amount of the transaction exceeded the amount the Cardholder could reasonably have undertaken taking into account his previous spending patterns and other relevant circumstances of the case. Any such request is to be received by the Bank within five (5) business days from the date on which the transaction was effected and the Bank shall inform the Cardholder whether it will be allowing his request for a refund within the next ten (10) business days. If the refund request is made more than five (5) business days after the transaction was effected, the Bank shall not be obliged to process the refund request.
7.5. The Cardholder shall be entitled to a refund of an authorised Card Transaction initiated by or through a Payee which has already been executed, if the following conditions are met:
a. the authorisation did not specify the exact amount of the Card Transaction when the authorisation was made; and
b. the amount of the Card Transaction exceeded the amount the Cardholder could reasonably have expected taking into account his previous spending pattern.
7.6. The Bank may ask the Cardholder to provide any information which is reasonably necessary to investigate whether or not the Cardholder is entitled to the refund.
7.7. At the Bank’s request, the Cardholder shall provide factual elements relating to the conditions set out under Clause 7.4 and 7.5. The refund shall consist of the full amount of the executed Card Transaction together with the related charges that have been debited.
7.8. The Cardholder may request the refund referred to in Clause 7.5 within eight (8) weeks from the date on which the Card Account was debited. Within ten (10) business days of receiving a request for a refund, the Bank shall either refund the full amount of the Card Transaction together with the related charges that have been debited or provide justification for refusing the refund.
8. Statements and information on Card Transactions
8.1. Statements and information on Card Transactions will be made available to the Cardholder and, where applicable, any Authorised Person electronically via Internet Banking; statements will be made available periodically whereas information will be provided and updated in real time.
8.2. Alternatively, to Internet Banking, the Cardholder may request the Bank to print and dispatch (through regular postal services) statements at the intervals and to the address indicated by the Cardholder in the Card Application Form. Intervals may not be shorter than one month and a charge shall apply to the dispatch of paper statements as per the General Tariffs.
8.3. The Cardholder is responsible for checking statements and the information relating to Card Transactions, and to contact the Bank as set forth in Clause 6.2 if it considers that a Card Transaction is unauthorised or in any manner incorrect.
8.4. In the case of a Card Transaction initiated by the Cardholder, or, where applicable, the Authorised Person the Bank shall, upon Cardholder’s request for this specific payment transaction, provide explicit information on the maximum execution time and the charges payable by the Cardholder and, where applicable, a breakdown of the amounts of any charges.
9. Liability
9.1. The Bank shall not be liable for the failure to perform the Card Transaction:
a. If the Cardholder does not have enough funds available on the Card Account to complete the Card Transaction; or
b. If a merchant refuses to accept the Card; or
c. If the ATM where the Cardholder or, where applicable, the Authorised Person is attempting a cash withdrawal does not have sufficient cash; or
d. If the ATM where the Cardholder or, where applicable, the Authorised Person is attempting a cash withdrawal does not operate properly;
e. If an EPOS through which the Cardholder or, where applicable, the Authorised Person is making a transaction does not operate properly; or
f. If the online marketplace or internet site through which the Cardholder or, where applicable, the Authorised Person is making a transaction does not operate properly; or
g. If the Card details and/or the PIN communicated and/or inputted by the Cardholder or, where applicable, the Authorised Person are incorrect; or
h. If access to the Card has been blocked after the Cardholder or, where applicable, the Authorised Person has reported the Card being lost, stolen or misused; or
i. If there is a hold on the Cardholder’s funds or the Cardholder’s funds are subject to legal/administrative process or there are other encumbrances restricting the use; or
j. If the Bank has reason to believe the requested Card Transaction is unauthorized.
9.2  Unless otherwise required by law, no liability will be accepted by the Bank for any direct or indirect loss or damage that may be suffered as a result of the total or partial use or inability by the Cardholder or, where applicable, the Authorised Person to use the Card(s), or the use of the Card(s) by any third party.
10. Termination of Agreement
10.1 Should the Cardholder not wish to renew a Card, the Cardholder must give the Bank at least two (2) months prior notice to the expiry of the validity period displayed on that Card. Failure to give such notice shall be construed as an intention on the part of the Cardholder to renew the Cards.
10.1. Save for sub-Clause 10.1, unless otherwise agreed, the Cardholder may terminate this agreement after giving one (1) month prior written notice, which notice period will commence on the date of delivery of the notice to the Bank.
10.2. No charge will be debited on the Card Account for this termination and the Cardholder is entitled to a pro rata refund of the annual fee charged by the Bank for the use of the Card and any Additional Cards.
10.3. Unless agreed otherwise, the Bank may terminate this agreement after giving two (2) months prior written notice, which notice period will commence on the date of delivery of the notice to the Cardholder.
11. Alterations to these Terms and Conditions
11.1. The Bank may amend, vary or supplement these Terms and Conditions and the General Tariffs relating, inter alia, to the issuance, operation and replacement of the Card at the Bank’s discretion. Such amendments will become effective two (2) months from the date these have been implemented.
11.2. The Cardholder and, where applicable, the Authorised Person will be deemed to have accepted the amendments to these Terms and Conditions and/or to the General Tariffs, should he continue to use the Card(s) after the amendments have entered into force. In case the Cardholder does not agree with the amendments, the Cardholder can immediately terminate this agreement. No charge will be debited on the Card Account for this termination and the Cardholder is entitled to a pro rata refund of the annual fee charged by the Bank for the use of the Card and any Additional Cards.
11.3. The updated version of these Terms and Conditions will be available to view on the Bank’s Internet Site http://www.pilatusbank.com and at the Bank’s Premises. You may also request a copy thereof by calling on 00356 277 99999.
12. Data Protection
12.1. The Bank will process the Cardholder’s and, where applicable, the Authorised Person personal data and any other data which the Cardholder subsequently gives to the Bank in any manner, for the following purposes, namely: (a) to provide its products and services; (b) for internal assessment and analysis; (c) for the detection and prevention of fraud and other criminal activity which the Bank is bound to report; (d) to develop and improve the Bank’s products and services; (e) for direct marketing, such as to inform the Cardholder, by mail, telephone, fax, e-mail or other electronic means, about other products and services supplied by the Bank, its subsidiaries, associates, agents and by other carefully selected third parties, and for research purposes.
12.2. The Cardholder’s and, where applicable, the Authorised Person’s personal data may be disclosed to or exchanged with the employees of the Bank, its subsidiaries, associates and agents, including third parties entrusted with handling bulk mail, for the above purposes only.
12.3. The Cardholder’s and, where applicable, the Authorised Person’s personal data may also be disclosed to competent local and foreign authorities for the purpose of complying with relevant laws and mandatory requests.
12.4. The Cardholder and, where applicable, the Authorised Person’s has the right to request the Bank for a report of the personal data held, and processed in relation to himself and to request its correction where necessary. The Cardholder shall inform the Bank in writing if he does not wish that the Bank process the Cardholder’s personal data for the purpose of direct marketing.
13. Miscellaneous
13.1. The failure by the Bank to exercise, or delay in exercising, a legal right or remedy available in light of these Terms and Conditions or as a result of the applicable law, shall not constitute a waiver of the Bank’s right or remedy. If the Bank waives a breach of these Terms and Conditions, this shall not operate as a waiver of a subsequent breach of these Terms and Conditions.
13.2. You may not assign these Terms and Conditions and any rights or obligations contained herein. The Bank may, however, without prior notice, assign these Terms and Conditions and any rights or obligations contained herein to a third party.
13.3. The Bank shall endeavour to give a complete service at all times. However, it shall not be liable for failure to perform any of its obligations under these Terms and Conditions due, whether directly or indirectly, to (a) any industrial action; or (b) failure of equipment, machinery, computer, telephone line or software whether belonging to or licensed to the Bank, or to the Cardholder or, where applicable the Authorised Person, or to any third party; or (c) any other circumstance no reasonably within the Bank’s control and any other instance of force majeure.
13.4. You acknowledge and agree that if the Bank is unable to provide the services correlated to either or both Cards as a result of a force majeure event, the Bank will not be in breach of any of its obligations towards you under these Terms and Conditions.
13.5. All communications with you will be in English.
13.6. These Terms and Conditions will be construed in accordance with Maltese law.
13.7. You irrevocably agree and accept that all actions, proceedings or counterclaims arising out of or relating to these Terms and Conditions will be litigated in the Courts of Malta or, at the option of the Bank, any other convenient forum. You irrevocably consent to service, jurisdiction and venue of the relevant court for all such actions, proceedings and counterclaims and waive any other venue to which you may be entitled by virtue of domicile, habitual residence or otherwise. Final judgment against you in any such action, suit or proceeding shall be conclusive and may be enforced in any other jurisdiction by suit on the judgment, a certificate or exemplified copy of which shall be conclusive evidence of the judgment or in any other manner provided by law.