Important Information To The Reader

Welcome to the website of United Overseas Bank (hereinafter known as 'UOB')

Access to this website is granted by UOB, its subsidiaries and associated companies represented on this website (hereinafter known collectively with UOB as the 'UOB Group') subject to the following terms and conditions. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE AND ANY WEB PAGE HEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT ACCEPT ANY OF THESE TERMS AND CONDITIONS , PLEASE DISCONTINUE YOUR ACCESS IMMEDIATELY TO THIS WEBSITE OR ANY WEB PAGE HEREOF IMMEDIATELY.

Deemed Permission

By using or accessing this website, you are deemed to have given permission to the UOB Group to disclose to anyone information relating to yourself, including customer information, in connection with any of your accounts with any member of the UOB Group as UOB shall deem fit for any purpose without incurring any liability of whatsoever nature.

Use Of Information And Materials

The contents of this website are provided for general information only and should not be used as a basis for making any specific investment, business or commercial decision. You should at all times consult your professional advisers and obtain independent verification of such information and data before making any decision based thereon.

Investors should note that some of the investment services provided in this website relate to investments whose prices or values may rise or fall and that they may not recover the principal invested. If the investment is denominated in a foreign currency, factors including but not limited to changes in exchange rates may have an adverse effect on the value, price or income of an investment. Past performance of investments or investment management is not necessarily an indication of future performance.

The contents of this website, including these terms and conditions, are subject to change and may be modified, deleted or replaced from time to time and at any time at the sole and absolute discretion of the UOB Group.

Invitations to Treat and Not Offers

Nothing in this website shall be considered or construed on the part of any member of the UOB Group as an offer or solicitation to buy, sell, give, take, issue, allot or transfer, or as giving any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits or deposits in any jurisdiction.

Notwithstanding the generality of the foregoing, the information and materials contained on this website shall in all cases be construed as an invitation to treat made in the Hong Kong Special Administrative Region. Any such invitation to treat shall be void where prohibited by law, whether by the laws of the Hong Kong Special Administrative Region or by the laws of the jurisdiction in which you are located. By making an offer to the UOB Group, which offer shall be deemed unsolicited, you warrant that such offer and any contract resulting from the acceptance thereof by the UOB Group will not be in conflict with the laws of your jurisdiction and will be made pursuant to the provisions with regards to Jurisdiction below. The UOB Group shall not be under any obligation whatsoever, express or implied, to reply to unsolicited correspondence, communications or email or to acknowledge receipt of the same.

Links

This website may contain links to websites owned, controlled or offered by third parties. Access to and the use of such websites is at your own risk and subject to the terms and conditions applicable to such access and/or use. For the avoidance of doubt, by creating a link to a third party website, the UOB Group shall not be construed as endorsing or recommending any product or service offered or as verifying any information contained in any such third party website. Accordingly, the UOB Group will not be responsible for any and all information, materials, products or services (or any failure thereof) contained in or offered at any such third party website linked to this website.

Submissions

Any and all information submitted to the UOB Group through this website shall be deemed to be and shall remain the sole and exclusive property of the UOB Group. The UOB Group shall be entitled to use, for any purpose and without any payment or compensation, any information including but not limited to ideas, concepts, know-how or techniques in whatsoever form provided to the UOB Group through this website.

Email Messages

The UOB Group does not guarantee that email messages sent to the UOB Group over the Internet will be completely secure. Under no circumstances will the UOB Group be liable for any damages incurred or sustained by you in connection with or arising from any message transmitted via the Internet by you to the UOB Group, or by the UOB Group to you at your request.

Inherent Nature of the Internet

You acknowledge and accept that the inherent nature of the Internet is such that transmissions may be subject to interruption, interception, hacking, transmission blackout, delayed transmission and/or incorrect data transmission. The UOB Group will not be liable for malfunctions in communications facilities not under its control that may affect the accuracy, authenticity or timeliness of messages and transactions that may be sent and does not warrant that any identified defect will be corrected.

Availability

This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. Notwithstanding anything in this website, your eligibility for all products and services on this website is subject to acceptance by the UOB Group.

Copyright And Trade Marks Notice

Except as otherwise expressly stated in this website, the copyright and all other intellectual property in the contents of this website is owned by the UOB Group. No part or parts hereof may be used, reproduced, distributed, published, modified, displayed, broadcasted, hyperlinked or transmitted in any manner or by any means or stored in an information retrieval system without the UOB Group's prior written permission. Further, you may not, without the UOB Group's prior written permission, insert a hyperlink to this website or on any part thereof on any other websites or 'mirror' any material contained on this website on any other server, website or web page.

All trade marks and service marks displayed in this website are the property of the UOB Group and, where applicable, third party proprietors identified in the website. You shall have no right or licence to download, reproduce or use any such trade marks or service marks whether for use as a link to any website or otherwise, except with the prior written approval of the respective members of the UOB Group or third party proprietors (as the case may be).

No Warranties

The contents of this website, including but not limited to services, products, information, data, text, graphics, audio, video, links or other items are provided 'AS IS ', and 'AS AVAILABLE '. The UOB Group does not warrant the truth, accuracy, adequacy, completeness or reasonableness of such contents and expressly disclaims liability for any and all errors or omissions whatsoever.

No warranty of any kind, implied, express or statutory, including but not limited to any warranty of title, non-infringement of third party rights, merchantability, satisfactory quality, fitness for a particular purpose and freedom from computer virus or other contaminants or other malicious, destructive or corrupting code, agent programme or macros (collectively, the 'virus'), is given in conjunction with this website, or its contents, including any links to third party websites.

Exclusion Of Liability

Without prejudice to anything contained in this website, the UOB Group shall not be liable in any manner whatsoever for any damage, loss or expense including without limitation, direct, indirect, special, or consequential damage, or economic loss arising from or in connection with:

any access, use or the inability to access or use this website, use of or reliance on the contents of this website; any transaction performed on any web page in this website; any loss or abuse or unauthorised disclosure of information, including customer information; any system, server or connection failure, error, omission, interruption, interception, delay in operation or transmission, or computer virus; any use of or access to any other websites linked to this website; any service, product, information, data, software or other materials obtained from this website or from any other websites linked to this website. even if the UOB Group or its agents or employees had been advised of the possibility of such damages, losses and/or expenses. This exclusion clause shall take effect to the fullest extent permitted by law.

Governing Law and Jurisdiction

By accessing this website and/or using the services offered through this website, you agree that the laws of the Hong Kong Special Administrative Region (including without limitation, the provisions of the Evidence Ordinance (Cap. 8) and the Electronic Transactions Ordinance (Cap. 553) shall govern such access and the provision of such services and you agree to submit to the non-exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region. No person who is not a party to any transaction between yourself and any member of the UOB Group shall have any right whatsoever under the Contracts (Rights of Third Parties) Ordinance (Cap. 623).

In the event that the laws of your jurisdiction either do not permit or impose restrictions on the access to the contents of this website, you shall forthwith discontinue access or comply with such restrictions (as the case may be).

English Version To Prevail

If there are inconsistencies in meaning between the English-language version of these terms and conditions and the terms and conditions as may be translated into any other language, the English-language version shall prevail.

Benefits & Risks of Internet Banking

1. Benefits Of Internet Banking

What is Internet banking?

Internet banking is a means by which customers can manage their bank accounts and conduct certain banking transactions electronically over the Internet. It is available to customers with suitable Internet access.

What are the services offered through Internet banking?

Customers can enquire on their account balances, request statements and do fund transfers. They can view the full range of the UOB Group's Internet services by visiting www.uobgroup.com/hk.

What are the advantages of Internet banking?

Internet banking is fast and convenient. Customers have 24-hour access to their accounts daily, barring any technical halt. Internet banking can be performed anywhere, anytime and from any compatible computer with a modem and access to the Internet. Customers are presented with a unified picture of their financial portfolios with access to their desired level of information detail.

2. Risks Of Internet Banking

The main risks of Internet banking are the online theft of the customer's Username and Password, loss, abuse or unauthorized disclosure of information, including customer information,and the unauthorised removal of funds from the customer's account(s). To mitigate these risks, the UOB Group has implemented a number of security safeguards, such as session encryption and server authentication. The UOB Group uses Secure Sockets Layer (SSL) encryption to protect the transmission of information that customers submit to us when they use our secure online forms. All information provided through these forms is stored offline. However, users should be aware that notwithstanding the use of SSL, there can be no absolute certainty that technical failures or unauthorised hacking or interception can be prevented.

Customers should be aware that any email sent to us is not necessarily secure against interception.

At the UOB Group, we value your relationship. That is why we welcome this opportunity to share with you our privacy and security practices, and the steps that we have taken to protect your personal information and account details. You can read more about the UOB Group's Privacy & Security Practices.