Disclaimer

General

The terms of this disclaimer (hereinafter referred to as "Disclaimer") apply to this website (www.anz.com/singapore) of Australia and New Zealand Banking Group Limited, Singapore Branch, with its principal place of business located at 10 Collyer Quay, #30-00 Ocean Financial Centre, Singapore 049315 ("ANZ").

Please read this Disclaimer carefully.

By accessing this website and/or using the information provided on or via this website you agree to be bound by this Disclaimer. In the event of any conflict between the terms and conditions of specific products and services and this Disclaimer,  the conditions specific to such products and services shall prevail.

Use of this website

This website has been made available for your use on an "as is" and "as available" basis, and at your sole risk. ANZ and its directors, officers, associates, agents and affiliates make no representations, warranties or endorsements of any kind about the services, content, information and/or data contained in this website.

The information provided on or via this website should not be used as a substitute for any form of advice. Decisions based on this information are for your own account and risk. In no circumstances shall any service, content, information and/or data contained in or provided on or via this website be construed as the giving of investment advice or provision of investment service.

You agree and acknowledge, and ANZ regards and materially relies on your agreement and acknowledgment, that the services, content, information and/or data contained in or provided on or via this website are made available as general information for general circulation only and does not take into account the specific financial objectives, financial situation or particular needs of any particular person. Accordingly, before you make a commitment to purchase any investment, securities or any other instrument or financial product, you should seek advice from a relevant professional taking into account your specific investment objectives, financial situation and particular needs with regard to the suitability of any investment, securities or any other instrument or financial product.

Although ANZ attempts to provide accurate, complete and up-to-date information which has been obtained from sources that it believes to be reliable, ANZ assumes no responsibility, and makes no warranties or representations, express or implied, of any kind, including as to the accuracy, completeness, timeliness, title, non-infringement, usefulness, operation, satisfactoriness of quality, or fitness for any particular purpose of the information, services, content, and/or data contained in or provided on or via this website, whether provided by ANZ or by third parties.

ANZ controls and maintains this website from Singapore and makes no representation that the information provided on or via this website is appropriate or available for use in other locations. If you use this website from other locations, you are responsible for compliance with applicable local laws.

ANZ does not represent or warrant that this website functions without error or interruption. In addition, due to the inherent unreliable and unsecured nature of the Internet and other telecommunication channels as a medium of data transmission, you acknowledge that such transmission may be delayed, interrupted and/or intercepted. Regardless of any security measures taken by ANZ, ANZ shall assume no responsibility whatsoever for any loss or expense resulting from such delays, interruptions and/or interceptions.

Use of this website that may hinder the use of other internet users, that can endanger/jeopardise the functioning of this website and/or affect the information provided on or via this website or the underlying software, is not permitted.

Third party information, products and services

Where ANZ provides hypertext links to third party websites, such links are not an endorsement by ANZ of any products or services provided on or via such websites. The use of such links is entirely at your own risk and ANZ accepts no responsibility or liability for the content, use or availability of such websites or for the timeliness, accuracy or completeness or any services, information, data or content contained in or provided on or via such websites. ANZ makes no representations as to having reviewed or verified the truth, accuracy, reasonability, reliability, completeness of the service, information, data or content of such websites.

Separate Contracts

The provision by ANZ to you of any service or products through this website shall be expressly subject to the particular terms and conditions as contained in the contract for the supply of such service or product. Any warranties or representations made in relation to the provision of such service or product are as expressly made in the contract only and ANZ makes no separate warranty or representation through this website or through the terms of this Disclaimer.

Intellectual Property

ANZ, or the relevant owner, reserves and retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to its services and all content, information and data contained in or provided on or via this website (including all texts, graphics and logos). You may not do anything that will violate or infringe such intellectual property rights and, in particular, you shall not copy, download, publish, distribute, transmit, disseminate, sell, broadcast, circulate, exploit (whether for commercial benefit or otherwise) or reproduce any of the information or content contained in or provided on or via this website in any form without the prior written consent of ANZ or of the appropriate owner. However, you may print out a copy of the information contained on this website for your own personal use only. You acknowledge that you are not granted any licence, interest or right by virtue of your use of or access to this website.

Links to websites owned or operated by ANZ are not permitted without the prior written consent of ANZ.

Communication on line

Messages that you send to ANZ by e-mail may not be secure. ANZ recommends that you do not send any confidential information to ANZ by e-mail. If you choose to send any messages to ANZ via e-mail, you accept the risk that they may be intercepted, misused and modified by a third party.

Exclusion of liability

Neither ANZ nor any of its agents or subcontractors shall be liable in any event for any direct, indirect, special, incidental, consequential, punitive, exemplary or other damages, losses, costs, charges or expenses of whatsoever nature and howsoever arising, including but not limited to financial losses, lost profits, costs of funding or breach of the brand image (even if ANZ is advised of the possibility thereof) arising in any way from your access to or use of this website, including but not limited to, (i) any defects, viruses, or other malfunctions caused to any equipment and other software in connection with access or use of this website, including without limitation any technical, hardware or software failure of any kind, interruption, error, omission, delay in operation, corruption, computer viruses, Trojan horses, malicious codes or otherwise, (ii) the information provided on or via this website, (iii) the interception, modification or misuse of information transmitted to ANZ or transmitted to you, (iv) the functioning or non-availability of this website, (v) the misuse of this website, (vi) the loss of data, (vii) downloading or use of any software made available by this website, or (viii) claims of third parties in connection with the use of this website.

The exclusion of liability is also made for the benefit of directors, officers and employees of ANZ.

You shall indemnify ANZ and hold it harmless from and against any and all damages, losses, costs, charges, or expenses of whatsoever nature and howsoever arising including legal fees on a full indemnity basis, cost of funding and loss or cost arising from your breach or violation of the terms herein or of any third party rights, including but not limited to your use or misuse of this website and/or the services, information content and/or data contained or provided herein, the violation of any proprietary or intellectual property rights or the violation or enforcement of any of the terms of this Disclaimer.

Applicable law

The terms of this Disclaimer shall be governed by and construed in accordance with the laws of Singapore. All disputes arising out of or in connection with this Disclaimer shall be submitted to the non-exclusive jurisdiction of the courts of Singapore.

Termination

ANZ reserves the right to terminate or suspend your access to this website or your use of this website at any time and for any reason. In particular and without limitation, ANZ may terminate or suspend your access and use should you violate the terms of this Disclaimer or the rights of ANZ or any of its related entities, of any user or any other third party.

Amendments

ANZ reserves the right to vary and make changes to the services, information, content and/or data contained in or provided on or via this website, including the terms of this Disclaimer, at any time and without notice to you. It is recommended that you review the information provided on or via this website, including the terms of this Disclaimer, periodically for changes.

If at any time any provision (or part of any provision) of this Disclaimer is, or becomes, illegal, invalid or unenforceable in any respect under the law of any jurisdiction, that shall not affect the legality, validity or enforceability in any jurisdiction of any other provision (or any other part of that provision of this Disclaimer.