skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus


Here you will find all relevant disclosures. Please contact us if you require any further information.

ລາວ | English

The terms of this disclaimer (hereinafter referred to as “Disclaimer”) apply to this web site of ANZ Bank (LAO) Limited, with its registered address at 33 Lane Xang avenue, Hatsaday, Chanthabuly, Vientiane Capital, Lao PDR (“ANZ”). Please read this Disclaimer carefully.

By accessing this web site and/ or using the information provided on or via this web site 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.

This webpage is primarily intended for those who access it from within Laos. Products and services referred to in this webpage are offered only in jurisdictions where and when they may be lawfully offered by ANZ. The material on this webpage is not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this material by us.

For your convenience, hyperlinks to other ANZ group websites may be included. The products and services offered on these websites may be limited to persons located or residing in only that particular jurisdiction. The content of these websites may not be intended for persons located or residing in jurisdictions that restrict the distribution of such content. The terms and conditions governing the use of the website of each ANZ Group entity may differ and you should read the applicable terms and conditions.

The materials contained in the website should not be regarded as an offer, solicitation or recommendation to any person in a jurisdiction to buy or sell investments products to or take deposits from that person if it is unlawful to make such an invitation, offer, solicitation or recommendation in such jurisdictions. 

The information provided on or via this web site should not be used as a substitute for any form of advice. Decisions based on this information are for your own account and risk.

Although ANZ attempts to provide accurate, complete and up-to-date information, which has been obtained from sources that are considered reliable, ANZ makes no warranties or representations, express or implied, as to whether information provided on or via this web site is accurate, complete or up-to-date.

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

ANZ does not represent or warrant that this web site functions without error or interruption.

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

Where ANZ provides hypertext links to third party web sites, such links are not an endorsement by ANZ of any products or services provided on or via such web sites. 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 web sites. ANZ has not verified the truth, accuracy, reasonability, reliability, and completeness of any content of such web sites. 

ANZ, or the relevant owner, retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site (including all texts, graphics and logos). You may not copy, download, publish, distribute or reproduce any of the information contained on this web site in any form without the prior written consent of ANZ or the appropriate consent of the owner. However, you may print and/ or download information contained on this web site for your own personal use.

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.

Neither ANZ nor any of its directors, employees, representatives, agents or subcontractors shall be liable for any direct, indirect, special, incidental, consequential, punitive, or exemplary damages, including lost profits (even if ANZ is advised of the possibility thereof) arising in any way from, including but not limited to, (i) any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of this web site, (ii) the information provided on or via this web site, (iii) the interception, modification or misuse of information transmitted to ANZ or transmitted to you, (iv) the functioning or non-availability of this web site, (v) the misuse of this web site, (vi) the loss of data, (vii) downloading or use of any software made available by this web site, or (viii) claims of third parties in connection with the use of this web site. 

This web site and its Disclaimer shall be governed by and construed in accordance with the laws of Laos. All disputes arising out of or in connection with this Disclaimer shall be submitted to the exclusive jurisdiction of the courts of Laos. 

ANZ reserves the right to change the information provided on or via this web site, including the terms of this Disclaimer, at any time and without notice. It is recommended that you review the information provided on or via this web site, including the terms of this Disclaimer, periodically for changes.