Terms & Conditions

Ownership of site; terms of use

Terms and Conditions of Use apply to the API website located at www.api.com.lb, and all associated sites linked to www.api.com.lb by API, its subsidiaries and affiliates, including API sites around the world (collectively, the "Site"). The site is the property of Advanced Plastic Industries SAL (API) and its licensors. BY USING THIS SITE, YOU AGREE TO THESE TERMS OF USE; IF YOU DO NOT AGREE, DO NOT USE THIS SITE.

API reserves the right, at its sole discretion, to change, modify, add or remove portions of there Terms of Use, at any time. It is your responsibility to check there Term of Use periodically for changes. Your continued use of the Site following the posting changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, API grants you a personal, non-exclusive, non-trasferable, limited privilige to enter and use the Site.


We will only collect information that is reasonably necessary for us to perform our services. We will notify you if we intend to collect information and will only collect information with your consent. The type of information that we collect and hold about you depends on the type of product or service that we provide to you. The personal information that we hold about you may include but is not limited to: 

  • Name, address and contact details;
  • Date of birth, age and your intended plans for retirement;
  • Financial goals, needs, objectives and circumstances;
  • Details of your dependents and beneficiaries;
  • Financial information (for the purpose of preparing a financial plan and/or statement of advice);
  • Information regarding your health (for some types of insurance);
  • Your employment details (including your occupation, details of your employer, the nature of your employment and salary);
  • Your tax file number (where you have given it to us);
  • In some cases, insurance claim information;
  • Identification documentation (which, in some cases, we are required to collect by law); and
  • The products and services we provide, or have provided, to you.

We do not generally collect sensitive information about you unless required by applicable law or rules, or you have consented to it. Sensitive information includes information relating to:

  • Race;
  • Political or religious beliefs;
  • Sexual preferences;
  • Criminal convictions;
  • Membership of professional or trade associations or unions; and
  • Health information.

As set out above, we collect health information with your consent where it is relevant for some types of insurance.


We use the personal information that you provide to us to assess your personal and financial circumstances and your risk tolerance so that we can formulate appropriate investment strategies and recommendations for you.


It is in our interests to ensure that the personal information that we have about you is accurate, complete and up-to-date. To assist us with this, please advise us if you believe that any of the information that we have about you is not accurate, complete or up-to-date and all reasonable efforts will be made to correct your information.


We are committed to keeping your personal information secure. We will use all reasonable steps to protect the personal information which we hold from misuse and loss, and from unauthorised access, modification and disclosure. Where the information we collect is no longer required, we will delete the information or permanently de-identify it.


Where practical and within the law, you will be given an option to not identify yourself or use a pseudonym. ACCESS TO PERSONAL INFORMATION AND CORRECTION Under the Australian Privacy Principles, you have a right to access the information that we hold about you, except as set out below. If you wish to access the information, please contact your representative and they will make arrangements for you to do so. In some circumstances, we may refuse to give you access to your financial information. Those circumstances are set out in the Australian Privacy Principles and include situations where we are required to do so at law or access is likely to prejudice an enforcement body in relation to unlawful activity or seriously improper conduct. If we are entitled, under the Australian Privacy Principles, to refuse to give you access to your personal information, we will tell you and provide reasons for our decision. If you establish that your personal information is not accurate, complete or up-to-date, we will take reasonable steps to correct that information in accordance with the Australian Privacy Principles.


This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer to help the website analyse how visitors use the site. We use Google Analytics’ 3rd-party audience data such as age, gender, and interests to better understanding the behaviour of our customers and work with companies that collect information about your online activities to provide advertising targeted to suit your interests and preferences. Create and Protect Pty Ltd collects data about your activities that does not personally or directly identify you when you visit our website, the website of entities for which we serve advertisements (our “Advertisers”), or the websites and online services where we display advertisements (“Publishers”). This information may include the content you view, the date and time that you view this content, the products you purchase, or your location information associated with your IP address. We use the information we collect to serve you more relevant advertisements (referred to as “Retargeting”). We collect information about where you saw the ads we serve you and what ads you clicked on. You may opt out of the automated collection of information by third-party ad networks for the purpose of delivering advertisements tailored to your interests, by visiting the consumer opt-out page for the Self-Regulatory Principles for Online Behavioral Advertising at http://www.aboutads.info/ choices/ and edit or opt-out your Google Display Network ads’ preferences at http://www.google.com/ads/preferences. You can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under https://tools.google.com/dlpage/ gaoptout?hl=en.iffy.