Disclaimer

Important Notice

By accessing this CMB Wing Lung Bank Group's website and any of its pages, you agree to be bound by the terms and conditions set out below.

Use of Information and Materials

The products and services referred to in this website are offered only in jurisdictions where and when they may be lawfully offered by the Group. Nothing in these web pages should be regarded as an offer or solicitation to sell the products or services to person in any jurisdiction in which it would be unlawful for the Group to make such offer or solicitation. It is the responsibility of those accessing these web pages to ensure that they are aware of all relevant restrictions which apply to them.

The information contained in these pages is provided for reference only. It should not be treated as a substitute for specific advice concerning individual situations and professional advice. It is strongly recommended that appropriate professional advice should be sought where necessary.

No Warranties

The information and materials contained on this website are provided "as is" and "as available" basis without warranty or representation of any kind, express or implied. Also, no warranty or representation regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus, Trojan horse, worms, software bombs or similar items is given in conjunction with these information and materials. The Group expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of such information.

The information in these pages does not constitute any representations, warranties or obligations binding on the Group who shall have absolute discretion to withdraw, vary or amend the services and products at any time with or without advance notice to users.

Internet Communications

Messages sent over the Internet cannot be guaranteed to be completely secure. The Group will not be responsible for any damages incurred by users as a result of any delay, loss, diversion, alteration or corruption of any message either sent to or received from the Group at the users' request, over the Internet. The Group is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this web site.

Communication over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic or incorrect data transmission due to the public nature of the Internet or otherwise.

Hyperlinks from CMB Wing Lung Bank Group Website to External Websites

Our website may provide hyperlinks to other websites on the Internet. Use of such hyperlinks is at the risk of users. The Group does not investigate, verify, monitor or endorse the contents and their accuracy, opinion expressed, and other links provided by these websites. The provision of hyperlinks to external websites does not represent any form of our endorsement, recommendation, approval, guarantee, or introduction of any third parties or their products/services, or any form of co-operation between the Group and any third parties. Users are solely responsible for making all enquiries and investigation before proceeding with any online or offline access or transaction with any of these third parties. All activities conducted by users via or on such websites are at their own risk. The Group expressly disclaims any responsibility for the contents and their accuracy, and availability or omission of information found on websites that link from our website. The Group does not warrant the security of any information which users may forward or be requested to provide to any parties via these websites. Please note that when you leave our website, you will be subject to the terms and privacy policies of another websites you are going to visit.

Hyperlinks from External Websites to CMB Wing Lung Bank Group Website

Any hyperlinks created in any form from a third party website to CMB Wing Lung Bank Group website must be subject to the Group's prior written approval. The Group may, in whatever form and at its absolute discretion, grant or refuse to give such approval. The Group may impose conditions as it thinks fit including payment of a fee in granting such approval. In the absence of such approval the Group will not endorse any use or display of our logos, trade names, trademarks or whatever that can be reasonably inferred as CMB Wing Lung Bank Group. The setup of hyperlink does not represent any form of our approval or endorsement of those or cooperation with third parties. The Group is not responsible for any consequences arising out of or in connection with such links. The Group expressly disclaims any responsibility for the contents and their accuracy, availability or omission of information found on websites that link to our website and for any damage or loss resulting from reliance on our logos, trade names, trademarks or whatever can be reasonably inferred as CMB Wing Lung Bank Group. Any hyperlink to the Group's website must be made directly to the main page of our website while "framing" or "deep-linking" of the Group's website or content is prohibited. The Group may, at its absolute discretion rescind any approval granted and require the removal of any link to the Group's website at any time.

Copyright and Trademarks

The Group and other parties own the trade marks, logos and service marks displayed on this site and users are prohibited from using them without written permission of the Group or such other parties.

All contents on this website including but not limited to the text, graphics, links and sounds are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Group's prior written consent.

Use and Disclosure of Information/Data

The Group collects personal data from the Group's web portal visitors on a voluntary basis. Personal information may include name, title, e-mail address, etc. The information is used by the Group for the purposes indicated in the respective screens in which customers are invited to provide personal data and in the following Notice to Customers. Personal information held by the Group is kept confidential and the Group does not use customers' personal information for any purposes other than those already specified to customers herein or in the Group's Notice to Customers or unless such usage is permitted or required by law.

When an individual visits this web portal, the Group records the visit only as a "hit" but does not capture any personal identifiable information about the visitor. The Group gathers and analyzes this information to compile general statistics about usage of the Group's web portal. The Group also collects information about the visit by means of cookies files (Cookies are small pieces of data transmitted to and stored in the visitor's local hard drive). The data obtained would be used for web portal personalization and marketing. Cookies can not retrieve information stored in the visitor's hard disk. The visitor has a choice not to accept the cookies files, but if this is the case, certain functionality may not be available.

Please visit the Group's "Notice to Customers Relating to the Personal Data (Privacy) Ordinance" for more details.

Terms and Conditions of eCard Service ("Service")

1.Please read the Disclaimer and Privacy Policy Statement carefully before using eCard Service.
2.When using the Service, you agree not to:-
a. Use the Service for any unlawful purpose; and
b. Transmit (i) any content or information that is unlawful, threatening, abusive, libelous, defamatory, obscene, objectionable; or (ii) any chain letter, junk mail or engage in spamming.
3.The Group expressly disclaims any responsibility for the content of the Service.
August 2007