Website Policy

IMPORTANT NOTICE – This Website is owned and maintained by China Merchant Bank Co., Ltd Singapore Branch. The use of this Website is subject to the following terms and conditions (“Terms and Conditions”) (together with our Data Protection Policy and any other documents referred to in them). Please read the following Terms and Conditions carefully. By accessing this Website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not accept any of these Terms and Conditions, please discontinue your access immediately.

1. Definitions

1.1 In these Terms and Conditions,

“CMBSG”, “we”, “us”, “our” and “ours” means China Merchant Bank Co., Ltd Singapore Branch; and “you” means the user(s) of the Website.

“Website” means this Website or any page of the same.

2. Geographical Scope

2.1 This Website is primarily intended for those who access it from within Singapore. We do not represent or warrant that our Website or the content available on or through our Website complies with law or regulation of other countries, or is appropriate for use in other countries.

3. Lawful Use

3.1 You may use the Website only for lawful purposes. You may not use the Website:

(a) in any way that breaches any applicable law, regulation or code of practice;

(b) in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;

(c) for the purpose of harming or attempting to harm minors in any way;

(d) to send, knowingly receive, upload, download, use or re-use any material which:

(i) is defamatory, obscene, hateful, discriminatory or inflammatory;

(ii) promotes violence, discrimination or illegal activity; or

(iii) infringes any intellectual property right, right of confidentiality or right to privacy;

(e) to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam);

(f) to generate and/or cause congestion to our network traffic in excess of reasonable and normal usage;

(g) to cause any disruption, interference, interruption or degradation in our network, the Website or the services provided on our Website; or

(h) to knowingly transmit any data, send or upload any material that contains any viruses, trojans, worms, logic bombs, keystroke loggers, spyware, adware or any other programs, data, code or other material that is malicious or technologically harmful.

3.2 You also agree:

(a) not to reproduce, duplicate, copy or re-sell the entire or any part of the Website in contravention of these Terms and Conditions;

(b) not to access without authority, interfere with, damage or disrupt:

(i) any part of the Website;

(ii) any server, equipment or network on which the Website is stored;

(iii) any software used in the provision of the Website;

(iv) any server, computer or database connected to this Website; or

(v) any equipment, network or software owned or used by any third party in connection with your use of the Website; and

(c) not attack this Website via a denial-of-service attack or a distributed denial-of-service attack.

3.3 By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use this Website will cease immediately.

3.4 From time to time, we may without penalty or liability, restrict access to some parts of the Website, or the entire Website, to users who have registered with us, at our sole and absolute discretion and without providing any reasons.

3.5 You are also responsible for ensuring that all persons who access the Website through your internet connection or using your user identification details are aware of these Terms and Conditions, and that they comply with them.  

4. Intellectual Property

4.1 Except as otherwise expressly stated herein, the trademarks, copyright and all other intellectual property in the contents of this Website (including, but not limited to, all design, text, sound recordings, images or hyperlinks) (collectively, “Intellectual Property”) are the property of CMBSG and/or its holding company and/or its subsidiaries and/or the subsidiaries of its holding company (together the "CMB Group"). Nothing herein or otherwise shall be construed as an assignment or transfer of CMBSG or CMB Group’s rights in the Intellectual Property subsisting in the Website and its content. All rights are fully and expressly reserved.

4.2 The Intellectual Property may not be reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed, licensed, altered, hyperlinked or otherwise used in whole or in part in any manner without the prior written consent of the CMB Group.

4.3 Save and except with the CMB Group's prior written consent, you may not

(a) insert a hyperlink to this Website or any part thereof on any other website or "mirror" or frame this Website, any part thereof, or any information or materials contained in this Website on any other server, website or webpage;

(b) establish a hyperlink in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

4.4 Notwithstanding any written consent, CMB Group reserves the right to withdraw the aforementioned linking permission without notice.

4.5 All trade marks, service marks and logos used in this Website are the property of the CMB Group and/or the respective third-party proprietors identified in this Website. No licence or right is granted and your access to this Website and/or use of the online services should not be construed as granting, by implication, estoppel or otherwise, any license or right to use any trade marks, service marks or logos appearing on the website without the prior written consent of the CMB Group or the relevant third party proprietor thereof. Save and except with the CMB Group's prior written consent, no such trade mark, service mark or logo may be used as a hyperlink or to mark any hyperlink to any CMB Group member's site or any other site.

5. Disclaimer

5.1 GENERAL DISCLAIMER
(a) The information and materials contained in or accessed through our Website, including any services, products, information, data, text, graphics, audio, video, hyperlinks or other items are provided on an "as is" and "as available" basis for general information only.

(b) We have not verified, considered or assessed such information and materials. We do not warrant the truth, accuracy, adequacy, reasonableness or completeness of such information and materials and expressly disclaims liability for any errors or omissions in such information and materials.

(c) No warranty of any kind, implied, express or statutory (including but not limited to, warranties of title, merchantability, satisfactory quality, non-infringement of third-party intellectual property rights, fitness for a particular purpose and freedom from computer virus and other malicious code), is given in conjunction with such information and materials, or this Website in general.

(d) We do not warrant the information and materials in this Website are up to date, nor do we undertake any obligation to update the materials to reflect any change in law, events or practice since their date, or to correct any inaccuracy that become apparent at a later time.

(e) You should seek professional or specialist advice and obtain independent verification of the information and materials contained in this Website before making any decision, including any investment, business, financial or commercial decision or taking or refraining from taking any action on the basis of the information or materials contained in our Website.

5.2 We do not warrant that this Website will be secure or free from bugs or viruses. You are solely responsible for configuring your information technology, computer programmes and platform to access this Website, for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect or affect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any material posted or otherwise made available on it, or on any website linked to it.

5.3 Under no circumstances shall we be liable regardless of the form of action for any failure of performance, system, server or connection failure, error, omission, interruption, breach of security, computer virus, malicious code, corruption, delay in operation or transmission, transmission error or unavailability of access in connection with your accessing this Website and/or using the online services even if we had been advised as to the possibility.

5.4 In no event shall we be liable to you or any other party for any damages, losses, expenses or costs whatsoever (including without limitation, any direct, indirect, special, incidental or consequential damages, loss of profits or loss opportunity) arising in connection with your use of this Website, or reliance on any information, materials or online services provided at this Website, regardless of the form of action and even if we had been advised as to the possibility of such damages.

6. Hyperlinks and Third-Party Content

6.1 Our Website may include hyperlinks to websites on the Internet that are owned or operated by third parties. Where our Website contains such hyperlinks, these hyperlinks are provided for your information only. Such hyperlinked websites are not under the control of us or the CMB Group and neither us nor the CMB Group shall  accept responsibility for the contents of or the consequences of accessing any hyperlinked website or any hyperlink contained in a hyperlinked website. Furthermore, the hyperlinks provided in this Website shall not be considered or construed as an endorsement, verification or approval by us or by the CMB Group of such hyperlinked websites or the contents therein. You agree that your access to and/or use of such hyperlinked websites is entirely at your own risk and subject to the terms and conditions of access and/or use contained therein.

7. Indemnity

7.1 You hereby agree to indemnify and save us and/or the CMB Group harmless against all damages, losses, expenses and costs (including legal costs) suffered or incurred by us and/or the CMB Group in connection with or arising from:
(a) your access of this Website and/or use of the online services,
(b) any other party's access of this Website and/or use of the online services using your user id and/or login password (if one was provided to you),
(c) your breach of any of these Terms and Conditions, or
(d) any other party's breach of any of these Terms and Conditions where such party was able to access this Website and/or use the online services by using your user id and/or login password.

8. No offer or solicitation

8.1 The information and materials contained in or accessed through this Website shall not be considered or construed as an offer or solicitation to sell, buy, give, take, issue, allot or transfer, or as the giving of 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.

9. Changes

9.1 We may revise these Terms and Conditions at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we have made, as they are binding on you. Some of the provisions contained in these Terms and Conditions may also be superseded by provisions or notices published elsewhere on our Website. Your continued access and/or use of the Website following any amendment of these Terms and Conditions will signify your assent to and acceptance of its revised terms.

10. Personal data

10.1 We will collect, use, disclose and/or process any personal data we may collect from you in connection with this Website in accordance with our Data Protection Policy. You acknowledge that you have accessed and read the Data Protection Policy and agree to the terms set out in it.

11. Miscellaneous

11.1 The CMB Group may terminate your access to this Website and/or your use of the online services at any time without notice and without assigning any reason therefor.

11.2 No failure or delay by us in exercising or enforcing any right or option under these Terms and Conditions shall operate as a waiver thereof or limit, prejudice or impair our right to take any action or to exercise any right as against you or render us responsible for any loss or damage arising therefrom.

11.3 If any one or more of the provisions in these Terms and Conditions are deemed invalid, unlawful or unenforceable in any respect under any applicable law, the validity, legality and enforceability of the remaining provisions hereof shall not in any way be affected or impaired.

12. Governing Law and Jurisdiction

12.1 Nothing herein shall be construed as a representation by us or the CMB Group that the information and materials contained in or accessed through this Website is appropriate or available for use in geographic areas or jurisdictions other than Singapore.

12.2 By accessing this Website, you agree that:

(a) your access, these Terms and Conditions and any documents referred to in them and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Singapore; and

(b) The courts of Singapore will have exclusive jurisdiction over any dispute or claim arising out of or in connection with a visit to our Website or these Terms and Conditions, although we expressly reserve the right to bring proceedings against you for breach of these Terms and Conditions in your country of residence or any other relevant country.  

November 2019