Privacy & Security

We understand customer concerns for security when they transact over the Internet. We have therefore built a security system for online banking that safeguards the confidentiality of our customers' account information and their banking transactions.

We employ several different methods to protect customers' account and personal information:

1. Firewalls
   We have multiple levels of firewalls in place between our internal computer systems and the Internet.
2. Encryption
   Strong encryption protects customer information as it travels over the Internet. We use the 128-bit Secure Sockets Layer (SSL) encryption to protect the confidentiality of customers' account details and transaction data. This 128-bit SSL encryption is the commercially available security protocol for encrypting or scrambling data transmitted over the Internet. It is also currently recognised internationally to be of the highest standard in encryption technology commercially available and is generally adopted by banks in Hong Kong and financial institutions worldwide.
3. Username and Password
   Only your valid Username and Password which identify you uniquely, will allow you to log in to our secure website(s). This ensures that messages from authorised users only are admitted into our secure site(s).
4. Technology Devices
   UOB may, from time to time, issue Devices and/or establish security procedures that you may need to execute in order to use certain UOB Internet Banking services related to the Devices.
   You may use the Devices (whether or not in conjunction with the Username and/or Password or otherwise):
   • To initiate, effect, perform and/or dispatch any instruction or any communication to UOB; To obtain or utilise any service that may be offered or made available by UOB through the Website or UOB Internet Banking service;
   • To access and obtain information as may be permitted by UOB (whether relating to your Account(s), service or otherwise); and
   • To effect any transaction with UOB which may be made available by UOB, subject to the terms of this Agreement and to other restrictions, limitations, terms and conditions of UOB then applicable
5. Automatic Log Out
   As an additional security measure, our system may log you out of your Internet banking session after a period of inactivity. We are committed to monitoring our Internet security system constantly for potential situations that could compromise the security or the privacy of our customers and to exploring new technology continually to enhance our Internet security system.

Your Role In Safeguarding Your Personal Data And Account Information

You are responsible for keeping your online Password confidential. Failure to do so exposes you to the risks of fraud and loss. The UOB Group will not be responsible for losses suffered by customers as a result of:

• Input errors or misuse of its Internet banking services;
• Negligent handling or sharing of Password;
• Leaving a computer unattended during an online session;
• Failure to immediately report known incidents of unauthorised account access.

We strongly recommend that you observe the following best privacy and security practices at all times:

1. Managing Your Username And Password
   • Your Username and Password identify you when you use our Internet banking services. If any of these become invalid or ceases to have effect, it is imperative that you inform us by calling the direct hotlines for the respective services.
   • Ensure that no one can see your Password when you log in to our system.
   • Ensure that you keep your Password confidential at all times and do not divulge it to anyone.
   • Do not allow anyone (without exception) to use your Username and Password, as you are responsible for all transactions undertaken with your Username and Password.
   • Do not base your Password on your Username or personal information such as your telephone number, birth date or the like.
   • Memorise your Password and do not record it anywhere.
   • Change your Password regularly.
   • Do not use the same character more than twice for your Password.
   • Do not recycle your recently used Password.
   • Change your Password IMMEDIATELY if you suspect that someone knows it.
   • The same Password should not be used for different websites, applications or services particularly when they relate to different entities.
   • Do not select the option on your browser for storing or retaining user name and password.
   Note: No staff members of the UOB Group should ever ask you for your Password for whatsoever reasons.
2. Use of Technology Devices
   • Do not allow anyone (without exception) to keep, use or tamper with your Technology Devices, as you are responsible for all transactions undertaken
   • Do not reveal the One-Time Password (OTP) generated by your Technology Devices to anyone
   • Do not divulge the serial number of your Token-OTP Device
   • Notify the Bank if your Technology Device is lost or fails to function as intended
   • Ensure that the Device is kept safely
3. Take Precautions Against Your Password Keystrokes Being Captured
   Exercise the necessary precautions to protect your personal computer against viruses and other malicious programs. Aside from damaging and/or destroying data, viruses and malicious programs can capture your Password keystrokes and other personal information and send them to another person without your consent.
   
   Precautions that you can take include the following:
   
   
   • Ensure that you install an effective personal firewall as well as anti-virus, anti-spyware and anti-Trojan horse software. These should be updated regularly.
   • Do not download any software from a website that is of doubtful origin.
   • Do not open any email or attachment that is from a source unknown to you. When in doubt, delete such email without opening it.
4. Log In Directly
   If you wish to access a website belonging to UOB or its subsidiaries or associates, always personally and directly enter the relevant website address in the browser address bar. Do not login via any hyperlink within emails.
   
   A list of the relevant website addresses is set out below for your reference. If you encounter suspicious email or fraudulent websites passing off as websites of UOB or its subsidiaries or associates, please notify us immediately at +852 2910 8888 or email us.
5. Remember To Log Out
   Always remember to logout of your Internet banking session when you have completed your Internet banking transactions or when you need to walk away from your computer even for just a minute. Do not leave your computer unattended while Internet banking transactions are being processed.

When you use our website, we may automatically collect data from you using cookies or similar technological tools. A cookie is a small file which our web servers can store on your device. This allows our website to automatically recognise and remember you. You may find our cookie policy here.

At the UOB Group, we are committed to providing you with responsive customer service. When we receive any customer complaint, our priority is to attend to it as expeditiously as possible.

Should the UOB Group Internet banking/transaction website(s) be unavailable, customers can choose to do their banking/transactions via the following alternative channels: