Disclaimer: United Overseas Bank Limited (“UOB”) and its affiliates are not responsible for and has no control over its customer’s data immediately once such data has left UOB’s and its affiliates’ servers to be disclosed and provided to Xero. UOB and its affiliates shall not be liable or responsible in any manner whatsoever in relation to such disclosure and provision of customer data. The 5 cloud-based-applications are offered and provided by third parties (including, inter alia, separate external third party service providers/vendors) who are all independent contractors and beyond the control of UOB and its affiliates. UOB and its affiliates are not agents of such third parties. UOB and its affiliates assumes no liability or responsibility for the acts or defaults of such third parties, or any defects, deficiency, quality, merchantability, the fitness or any other aspect of the goods and services provided by such third parties. Any dispute about the quality or service standard must be resolved directly with the applicable third parties. The third parties may impose conditions for the usage of their goods and services. UOB will not be responsible for any injury, loss or damage suffered as a result of the usage of the goods and services. Under no circumstances shall UOB or its affiliates be construed as endorsing or recommending any of the digital applications or products or services comprised under BizSmart or any such third parties who are providing the digital applications and/or products and/or the services by reason of the inclusion of the digital applications, products and services under BizSmart.