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 and/or made available through the Services 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, insurance or deposits in any jurisdiction.

Notwithstanding the generality of the foregoing, the information and materials contained on this website and/or made available through the Services shall in all cases be construed as an invitation to treat made only in the Republic of Singapore. Any such invitation to treat shall be void where prohibited by law, whether by the law of the Republic of Singapore or by the law 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.

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.

Terms of Use of United Overseas Bank Limited ("UOB") Social Media Channels

Access to UOB's Social Media Channels is subject to the terms of use herein, our Legal Notices (please access and read the same here); and our Privacy and Security Terms (please access and read the same here) (collectively the “Terms”). Please read these terms carefully. By accessing these channels, you agree to be bound by the Terms, and of any applicable terms imposed by accessing the respective social media channel(s). If you do not accept any of the Terms, please discontinue your access immediately.

These Terms are subject to change and may be modified, deleted or replaced from time to time at our sole and absolute discretion. If you do not accept the change or addition to these Terms, you must stop accessing and/or using these channels. If you continue to access and/or use them after the change or addition takes effect, you are deemed to have accepted the change or addition without reservation.

1. You should never disclose any of your account, financial, and/or personal sensitive information through these channels. UOB will never ask for your account information, identification card or passport number or any other personal details from you through these channels. In the event UOB requests for your contact details, please send it to us using only the private messaging feature(s) (if any) available on these channels.
   
   
2. All your activity, submissions, postings or transmissions on these social media channels will be subject to the respective channel’s own terms of use, disclosures, data use and privacy. UOB will not be responsible for all actions, omissions, terms of use, privacy and security of these channels.
   
   
3. All trademarks, registered trademarks, product names and company names or logos mentioned are the property of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by UOB. You shall have no right or licence to download, reproduce or use any such trademarks or service marks whether as a link to any website or otherwise, except with the prior written approval of UOB or third party proprietors (as the case may be).
   
   
4. The contents of these channels, including but not limited to services, products, information, data, text, graphics, audio, video, links or other items are provided 'AS IS', and 'AS AVAILABLE'. UOB 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 these channels, or its contents, including any links to third party websites.
   
   
5. Under no circumstances will UOB be liable in any way for any text, images (including but not limited to all of its contents) (collectively, the "Content") including (without limitation) any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of your use of these channels, any Content and any opinions, statements, and viewpoints expressed by community participants.
   
   
6. When you post content to our social media channels, you are giving us a non-exclusive, irrevocable right to reproduce your posts (including any images, sound recordings or other content you supply with that post), together with your name and profile picture (if applicable) for attribution purposes, in any medium, anywhere in the world, for our own business purposes, including for advertising and promotional purposes.
   
   
7. UOB reserves the right to modify the content, features and functionality of these channels, to shut them down, and to limit or deny access to all or part of these channels at any time, for any reason, without prior notice, and will not be liable in any way to you, your company or any third party for any possible loss, liability or consequences of such actions.
   
   
8. UOB will be entitled to use, make or reproduce, disclose, distribute, perform publicly, create derivative works of, and reduce to practice any content submitted to us, for any purposes whatsoever, without restriction and without any compensation to you. UOB is not and shall not be subject to any obligations or confidentiality regarding the content, except where required by law. UOB is under no obligation to use or post any content submitted and UOB may remove any content at any time in its sole discretion.
   
   
9. UOB collects, uses and discloses personal data that you submit through private messages for the purposes of customer verification, responding to your feedback, queries and/or requests, complaint and dispute handling, fraud prevention and detection, meeting legal, regulatory or compliance requirements, data analytics, training, developing and improving our products and services, and other purposes related to managing our relationship with you. Where you provide information (including personal data) relating to another person, you warrant and represent to us that you have obtained that person’s consent for the collection, use and disclosure of his/her information as set out in these Terms.
   
   
10. All user content, whether publicly posted or privately transmitted, is the sole responsibility of the person from whom such content originates from. You will be solely and entirely responsible for any and all content that you upload, post, share or otherwise displayed via these channels. Under no circumstances will UOB be liable in any way for user content including, but not limited to, liability for any errors or omissions in any user content or for any loss or damage of any kind incurred as a result of the use of any user content posted, emailed or otherwise transmitted via these channels. You should exercise discretion before relying on information in user content as such user content may contain false or otherwise misleading information. To the extent that you use or rely on information posted within these channels, you do so solely at your own risk.
    
    
11. When posting or submitting content, you represent and warrant that you own or otherwise control any and all of the rights to your submission including, but not limited to, all the rights necessary for you to post, submit or upload that said content. To the extent that the content submitted contains copyrighted or protected content, you warrant and represent that (i) you are the owner of such content or the owner has granted you permission to use such content consistent with the manner and purpose of your use; (b) you have the rights necessary to grant the licenses and sub-licenses described under these Terms of Use; and (c) each person who has been depicted in such content, if any, has provided consent to the use of the content as set forth under these Terms of Use. UOB reserves the right to request proof of ownership or permission and to refuse to post such content in its sole discretion and determination.
    
    
12. You agree that you will not use any part of UOB’s Social Media Channels to:
    1. upload or post any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, fraudulent, hateful or racially, ethnically or otherwise objectionable;
       
       
    2. upload or post any unsolicited or unauthorised advertising, promotional materials, 'junk mail', 'spam', 'chain letters' or any other form of solicitation;
       
       
    3. upload or post any content that contains computer viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications equipment;
       
       
    4. distribute, modify, copy, transmit, display, reuse, reproduce, publish, license, create derivative works from, transfer, sell or otherwise use Content without the written permission of the Content owner
       
       
13. UOB reserves the right to remove any post or content that is not relevant and/or breaches the aforesaid terms and/or which UOB in its own discretion otherwise deems inappropriate. UOB shall assume no responsibility or liability arising from any post or content containing prohibited or objectionable content stated above. You agree to indemnify, hold harmless and defend UOB in respect of all damages, costs and expenses, including all legal costs incurred on an indemnity basis, arising out of or as a result of any breach of these Terms and Conditions or otherwise in connection with your use of these channels and Content.
    
    
14. UOB reserves the right to permanently block or ban individuals or groups from participating on our social media channels for any violation of the Terms or for posting any content which UOB in its own discretion determines is inappropriate.
    
    
15. These Terms and Conditions shall be governed by the laws of the Republic of Singapore and parties submit to the non-exclusive jurisdiction of the Singapore Courts.
    
    

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; and/or (b) short message service (SMS) sent to the UOB Group via your mobile phone, 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 Mobile Banking the Services, your eligibility for all products and services on this website and/or Mobile Banking 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 (a) accessing this website and/or using the services offered through this website; and/or (b) accessing and/or using the Services, you agree that Singapore law (including without limitation, the provisions of the Evidence Act (Cap. 97) and the Electronic Transactions Act (No. 16 of 2010) 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 Singapore. 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) Act 2001.

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 and/or made available through the Services, 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, request statements, fund transfers, pay bills, apply and pay for shares online electronically, and purchase unit trusts managed by UOB Asset Management. 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. 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 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.