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Thank you for visiting our web site and we trust that you will find the services provided by us herein comprehensive and user friendly. Whilst we pledge to provide you with high quality on-line banking services, you should read and understand the terms and conditions set out below before further using this web site. Such terms and conditions serve to clarify the limitations of our liabilities and our services in relation to this web site and explain to you our privacy policy in respect of your information received by us over the Internet.

Please note that by accessing this web site (except the hyperlinks in these terms and conditions) or using any on-line services provided herein, you agree to be bound by these terms and conditions. If you do not accept these terms and conditions, please cease to use this web site and do not use the on-line services.

The liability for loss to customer

Customers are potentially liable for all losses if they have acted fraudulently or gross negligence. For example, customer is failing to properly safeguard any of their device (e.g. digital certificate) or password for accessing the e-banking services, knowingly allow the use by others of any of their password, or have failed to inform us as soon as reasonably practicable after customers find or believe that their password or devices for accessing the e-banking services have been compromised, lost or stolen, or that unauthorized transactions have been conducted over their accounts.

Investment and making deposit

Nothing on this web site should be regarded as an offer or solicitation to sell investments or make deposits in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdictions.

Offer and acceptance

All materials published on this web site in relation to the provision of banking services or products are mere advertisements or invitations to treat and should in no circumstances constitute an open offer on our part to any one in any part of the world. If you apply for the use of any such services or products through this web site or through any other means, such application shall constitute an offer from you to us subject to and incorporating the terms and conditions relating to the relevant services or products set out in this web site or contained in our customer's agreements and we shall have absolute discretion to accept or refuse your offer. In addition, we may deny your access to this web site or your use of the services or products herein at any time without prior notice or any obligation to provide you with a reason.

No Warranty of accuracy of information

Whilst every effort has been made to ensure the correctness of the information published on each page associated with this web site, we do not guarantee or warrant the accuracy of such information and expressly disclaim all liability on our part whatsoever for any loss or damage (whether special, incidental or consequential) howsoever arising from or in reliance upon the whole or any part of such information or from your use of this web site. In particular, there is no warranty regarding non-infringement, security, accuracy or fitness for a particular purpose or freedom from computer virus in relation to such information. Certain information herein may be presented by us in approximate or summary or simplified form and we have placed reliance on certain external statistical data which may not in fact be accurate. The information published on this web site should not be relied on by any one as a basis for making business decisions.

Change of information or services

We may at our absolute discretion at any time without prior warning or notice alter or amend any information, services or products set out or described in this web site, including but not limited to these terms and conditions and the terms and conditions for the provision of any particular on-line banking services or products. Any dated information is published as on its date only and we do not undertake to update any such information.

Computer viruses

You should take appropriate measures to protect your computer system from being inflicted with any computer viruses by using this web site and you are advised to install the most up-to-date anti-virus software into your computer and activate it for this purpose. While we will take reasonable security measures to protect the customers-only sections of our web site, downloading software from this web site is at your own risk and we will not assume or accept any liability for any loss or damage (whether direct or indirect), howsoever caused, as a result of any computer viruses arising from your use of this web site.


We are not responsible for the contents available on or the set-up of any other web sites linked to this site. Access to and use of such other web sites are at your own risk and subject to any terms and conditions applicable to such access/use. We accept no liability for any loss or damage arising directly or indirectly from the inaccuracy of the materials or information contained on the pages of such sites or loss or damage arising directly or indirectly from defects with such sites.

Internet Communications

Internet communications are not entirely secure nor confidential. We do not warrant that all messages or documents sent by you to us or vice versa over the Internet or by way of E-mail will not be intercepted by any third parties or interrupted, nor warrant that they will arrive at the computer system of the recipient within a reasonable time or at all. We will not be responsible for any loss or damage incurred by you if you send a message to us, or while we will take reasonable security measures to protect our communications if we send a message to you at your request, over the Internet.

Trade Marks and Copyright

We own the trade marks, logos and service marks displayed on this site and you should not use the same without our written permission. Unless otherwise stated, we also own copyright to all contents in this site including all graphics, text, links, sounds, and images and you should not modify, copy, distribute, publish or download the same or use the same for commercial or public purpose without our written permission.

Information about you

If you would like to know more about our practices in relation to the handling of information which we may obtain from visitors of this web site, please refer to our Internet Privacy Policy Statement.


We maintain and operate this web site in The Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong") and the distribution or use of the information contained or services or products provided herein may be prohibited or restricted in other jurisdictions. People using this web site outside Hong Kong should make independent investigations to ascertain whether the use of this web site or any services or products provided herein will contravene any local laws or regulations in any manner. If in doubt, you should check with your local regulator or authority before further using this web site.


These terms and conditions are governed by the laws of Hong Kong and any dispute shall be subject to the non-exclusive jurisdiction of the Hong Kong courts.

If there is any conflict between the English and Chinese versions of these terms and conditions, the English version shall prevail.