Disclaimer IMPORTANT: By accessing this website and any of its pages, you agree to be bound by the terms and conditions set out below.       Legality The products and services referred to on this website are offered only in jurisdictions where and when they may be lawfully offered by OCBC Bank (Hong Kong) Limited and members of its group of companies (collectively the "Bank Group") and the materials on this website are not intended for use by persons located in or resident in jurisdictions which restrict the distribution of such materials by the Bank Group. Persons accessing this website are required to warn themselves about and observe any relevant restrictions.       Use of Information and Materials on this Website No information and materials on this website shall be regarded as an offer or solicitation to sell investments, products or make deposits in any jurisdiction to any person to whom it is unlawful to make such offer or solicitation in such jurisdiction. No information and materials on this website shall be regarded as any professional advice and you are reminded to consult your own professional adviser before making any investment, deposit or purchasing any product.       Change of Web Site Information and Materials The information, materials, products or services contained or supplied on this website may be changed, amended or withdrawn from time to time or at any time without prior notice. The eligibility for and availability of particular information or materials and/or each product or service is subject to the final and absolute determination and acceptance by the Bank Group.       No Warranty The information and materials on this website are provided on "as is" and "as available" bases. The Bank Group does not warrant the accuracy, completeness, sufficiency, usefulness or reliability of any of the information and materials provided. Also, no warranty of any kind (whether express or implied), including but not limited to warranty of non-infringement of third party rights, titles, merchantability, fitness for any particular purpose and freedom from computer virus, is given in connection with such information and materials and you shall do your own checking.       Internet Communications Please be reminded that communications over the Internet may be subject to interruptions, transmission blackouts, delayed or incorrect data transmissions arising out of situations beyond our control. Messages sent over Internet cannot be guaranteed to be completely secure. The Bank Group will not be responsible in any manner for any damages incurred by you as a result of any delay, loss, diversion, alteration or corruption of any message either sent to or received from the Bank Group over the Internet.       Hyperlink Policy Hyperlinks from OCBC Bank (Hong Kong) Limited (“OCBC Bank”) to Websites outside OCBC Bank For your convenience, this website may provide hyperlinks to other websites on the Internet. These third party websites are not affiliated with or in any way related to OCBC Bank. We wish to acknowledge that we are providing such hyperlinks for your information purposes only. The provision of hyperlinks to external or third party websites does not and in no way represent any forms of recommendation, endorsement, approval, guarantee or introduction of any third parties or the products and services that they provide, or any form of co-operation between OCBC Bank and such third parties unless otherwise stated by OCBC Bank. Additionally, OCBC Bank is not a party to any contractual arrangements that you and the provider of the third party website or any third party may enter into, unless otherwise specifically agreed to by OCBC Bank. You are strongly advised that you use the hyperlinks at your own risk. OCBC Bank is not responsible for any loss, damage, or consequence that may, directly or indirectly, arise from your usage of the hyperlinks. Nor shall we be held liable for the accuracy, truthfulness, or whatever of the contents of such third party websites. The hyperlinks to third party websites may contain downloadable software that are for your own convenience only. Once again, we shall not be held responsible for any problems or difficulties that you may encounter in downloading or installing such software. Please bear in mind that the use of any software downloaded from the Internet may be governed by a licence agreement. We are not in any way responsible for any infringement by you of any intellectual property rights of the relevant software provider by your failing to adhere to the terms of such license agreement. When you use this hyperlink service, you must observe the terms of use and the relevant rules and conditions stipulated by OCBC Bank as well as those set down by other third party websites. Hyperlinks from OCBC Bank to other Bank Group Websites OCBC Bank may provide hyperlinks to other Bank Group websites. These websites may be created elsewhere in different jurisdictions and under different governing laws. The products and services offered on these websites may be limited to person of a specific location and jurisdiction. You must take heed when using these websites and pay particular attention to the specific terms and conditions of use pertaining to these websites. Hyperlinks from External Websites to our OCBC Bank Website Before creating a hyperlink in any form from a third party website to OCBC Bank website, you must always acquire the prior written approval of OCBC Bank. The granting of such approval is at OCBC Bank's absolute discretion. Any use or display of our logos, trade names, and trademarks or whatever that can reasonably be inferred as OCBC Bank as a hyperlink will not be approved unless in very exceptional circumstances. We may only approve a hyperlink which displays simply our name or website address. If approval is granted, this may be subject to a fee as OCBC Bank may determine at its absolute discretion. OCBC Bank may rescind any approval granted at its absolute discretion, and require the removal of any links to OCBC Bank website at any time. Any link to OCBC Bank website must be made directly to the home or front page of our website, and no "framing" or "deep-linking" of our website or content is allowed. OCBC Bank is not responsible for the setup of any hyperlink from a third party website to any OCBC Bank website. Neither are we responsible for the contents or information of any third party websites linked with OCBC Bank website. Such links shall not constitute any kind of endorsement by OCBC Bank, or any co-operation between OCBC Bank and the third party website. Please be advised that the Bank Group is not liable for any loss, damage or consequence incurred or suffered by you or any third party arising from or in connection with such links.       Trademarks and Copyright The Bank Group and other parties own the trademarks, logos and service marks displayed on this website and you are not allowed to use any of them without the prior written consent of the Bank Group and the party owning such rights. None of the information and materials on this website may be copied, reproduced, stored in any retrieval system, modified, transmitted or used for creating derivative works or in any other way for commercial or public purposes without the prior written consent from the Bank Group.       Liability To the extent permitted by law, the Bank Group expressly disclaims liability for any interruption, defect, delay in operation or transmission, computer virus, line or system failure, or in connection with any errors, omissions or inaccuracies in any information and materials provided on this website, and shall not be responsible in any manner for direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with or arising out of the use of this website or inability to use by any party. In any event, the liability of the Bank Group for any particular incident or series of related incidences shall not exceed the amount of the relevant transaction, instruction or direction (or series of relevant transactions, instructions or directions) or the amount of direct damages suffered by the users, whichever is less. (In the event of any inconsistency between the English and Chinese versions, the English version shall prevail)