Terms and Conditions

Welcome to the website of United Overseas Bank Limited, Manila Branch (hereinafter known as 'UOB Manila') Access to this website is granted by UOB Manila, its subsidiaries and associated companies represented on this subject to the following terms and conditions.



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 UOB Manila.


Nothing in this website shall be considered or construed on the part of any member of UOB Manila 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 make an offer made only in the Republic of the Philippines. Any such invitation shall be void where prohibited by law, whether by the law of the Republic of the Philippines or by the law of the jurisdiction in which you are located. By making an offer to UOB Manila, which offer shall be deemed unsolicited, you warrant that such offer and any contract resulting from the acceptance thereof by UOB Manila will not be in conflict with the laws of your jurisdiction and will be made pursuant to the provisions with regards to Jurisdiction below. UOB Manila 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.


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, UOB Manila 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, UOB Manila 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.


Any and all information submitted to UOB Manila through this website shall be deemed to be and shall remain the sole and exclusive property of the UOB Manila. The UOB Manila 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 Manila through this website.


The UOB Manila does not guarantee that email messages sent to UOB Manila over the Internet will be completely secure. Under no circumstances will the UOB Manila 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 Maila, or by the UOB Manila to you at your request.


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. UOB Manila 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.


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 UOB Manila.


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 Manila. 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 UOB Manila'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 Manila and, where applicable, third party proprietors identified in the website. You shall have no right or license 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 Manila or third party proprietors (as the case may be).


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 Manila 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 program or macros (collectively, the 'virus'), is given in conjunction with this website, or its contents, including any links to third party websites.


Without prejudice to anything contained in this website, UOB Manila 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;

  1. any loss or abuse or unauthorized disclosure of information, including customer information;
  2. any system, server or connection failure, error, omission, interruption, interception, delay in operation or transmission, or computer virus;
  3. any use of or access to any other websites linked to this website;
  4. any service, product, information, data, software or other materials obtained from this website or from any other websites linked to this website.

Even if UOB Manila 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.


By accessing this website and/or using the services offered through this website, you agree that Philippines law 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 Republic of the Philippines. 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).