Legal Notices

Subject to the relevant Hong Kong laws, by using or accessing this website and/or the Services, 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.

The contents of this website and/or made available through the Services 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 and/or made available through the Services 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 and/or made available through the Services, 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.

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 Hong Kong Special Administrative Region or 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.

UOB may provide links to websites, software applications or mobile applications ('Third Party Links') owned, controlled or offered by third parties. Access to and the use of such Third Party Links 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 Links, 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 Links. 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 Links linked to this website and/or Services.

Any and all information submitted to the UOB Group through this website and/or the Services 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 and/or the Services.

The UOB Group does not guarantee that (a) 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 (a) message transmitted via the Internet by you to the UOB Group; and/or (b) SMS sent to the UOB Group via your mobile phone, or by the UOB Group to you at your request.

You acknowledge and accept that the inherent nature of the Internet and/or telecommunications services is such that transmissions may be subject to interruption, interception, hacking, fluctuation, inaccuracy, defect, corruption, loss, connection error, transmission blackout, delayed or failed transmission and/or incorrect, garbled or incomplete data transmission. The UOB Group will not be liable for breakdown, interruption, failure, closure or 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 and/or the Services are 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 and/or the Services, your eligibility for all products and services on this website and/or the Services is subject to acceptance by the UOB Group.

Except as otherwise expressly stated in this website and/or through the Services, the copyright and all other intellectual property in and to the contents of this website and/or the Services 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, (a) 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; and/or (b) insert a link to the Services.

All trade marks and service marks used and displayed in this website and/or through the Services are the property of the UOB Group and, where applicable, third party proprietors identified in the website and/or through the Services. 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 and/or the Services 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).

The contents of this website and/or made available through the Services, 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 and/or Services, or its contents, including any links to third party websites, software applications and/or mobile applications.

Without prejudice to anything contained in this website and/or the Services, 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:

1. any access, use or the inability to access or use this website and/or Services, use of or reliance on the contents of this website and/or made available through the Services;
2. any transaction performed on any (a) web page in this website; and/or (b) software applications and/or mobiles applications via the Services;
3. any loss or abuse or unauthorised disclosure of information, including customer information;
4. any system, server or connection failure, error, omission, interruption, interception, delay in operation or transmission, or computer virus;
5. any use of or access to (a) any other websites linked to this website; and/or (b) any other software applications and/or mobiles applications linked to the Services; and/or
6. any service, product, information, data, software or other materials obtained from (a) this website or from any other websites linked to this website; and/or (b) any other software applications and/or mobiles applications linked to the Services

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.

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).

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.

1. Benefits Of Internet Banking and Mobile Banking

What is Internet banking or mobile banking?

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

What are the services offered through Internet banking and/or mobile banking?

Customers can enquire on their account balances and fund transfers. They can view the full range of the UOB Group's Internet services by visiting here and Mobile Banking service by visiting here.

What are the advantages of Internet banking and mobile banking?

Internet banking and mobile banking are fast and convenient. Customers have 24-hour access to their accounts daily, barring any technical halt. Internet banking and mobile banking can be performed anywhere, anytime and from any compatible computer with a modem and access to the Internet or mobile device with access to Internet and telecommunications services.

2. Risks Of Internet Banking and mobile banking

The main risks of Internet banking and mobile banking are the electronic 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 electronic 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 or SMS 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.

United Overseas Bank Limited (“UOB”), its branches in and outside Singapore and subsidiaries (""UOB Group entities"") are committed to complying with the sanctions laws and regulations (""sanctions laws"") passed by Singapore, the United Nations Security Council, the European Union and the U.S. Department of the Treasury’s Office of Foreign Assets Control as well as applicable sanctions laws in the jurisdictions in which UOB Group entities operate. Under the sanctions laws, individuals and entities are prohibited from entering financial transactions or provide financial assistance or services in relation to sanctioned individuals, entities or activities and non-compliance with relevant regulations may result in criminal liability, fines or to both.

As such, UOB Group entities do not and will not open accounts, continue customer relationships, provide products or services, execute or facilitate transactions (directly or indirectly) or engage in any activity involving sanctioned individuals, entities, countries or territories. Currently, sanctioned countries and regions are the Crimea region, Cuba, Iran, North Korea, Sudan and Syria.

By applying for products and services and by continuing a banking relationship with us, you represent and warrant that at all times, you are not subject to any sanction laws and shall not use UOB Group entities, products or services (regardless of currency) for the benefit of sanctioned individuals, entities, countries or territories. UOB Group entities will not hesitate to take necessary action, including reporting, rejecting and/or blocking transactions, rejecting funds, closing accounts, terminating relationships that appear to violate sanctions laws.

Our bank is an advocate of good practices in the foreign exchange (“FX”) market which has been contributing and will continue to contribute to the foundation for sustainable growth of foreign exchange activities in all financial centres. As an advocate, we are supporting the FX Global Code which was recently developed through a partnership between central banks and market participants from 16 jurisdictions around the globe.

We are pleased to share our practices for the conduct of our FX business which is consistent with the FX Global Code via the hyperlink below. We hope this sharing will provide you the transparency on how we handle FX transactions with your good organization and other market participants.

Visit www.uob.com.sg/fx-global-code for more.