Please read the following terms and conditions and data protection and privacy policy before using the online services or this Web Site.

If you do not accept these terms and conditions do not access this Web Site and do not use the online service.

Standard Chartered Bank and Standard Chartered Bank (Hong Kong) Limited (together the “Bank”) do not offer or sell securities to U.S. persons unless either (a) those securities are registered for sale with the U.S. securities and exchange commission and with all appropriate U.S. state authorities; or (b) the securities or the specific transaction qualify for an exemption under the U.S. federal and state securities laws nor do the Bank offer or sell securities to U.S. persons unless (i) the Bank, our affiliated company and the appropriate personnel are properly registered or licensed to conduct business; or (ii) the Bank, our affiliated company and the appropriate personnel qualify for exemptions under applicable U.S. federal and state laws.

Nothing on this web page or the web pages of any affiliate should be construed as an offer to sell or a solicitation of an offer to purchase any securities where it would be illegal to do so.

Standard Chartered Bank (“SCB”) is incorporated in England and Wales with limited liability by Royal Charter 1853, under reference ZC18, and the Principal Office of the Company is situated in England at 1 Basinghall Avenue, London, EC2V 5DD.

In Hong Kong, we operate under a locally incorporated subsidiary – Standard Chartered Bank (Hong Kong) Limited (“SCBHK”).

The Bank controls and maintains this Web Site from Hong Kong. The Bank makes no representation that the material and information contained herein is appropriate or available for use in other locations/jurisdictions. These Terms and Conditions are governed by Hong Kong Law and any dispute shall be subject to the non-exclusive jurisdiction of the Hong Kong Courts.

The distribution of this Web Site’s material may be restricted by law in certain jurisdictions. It is your responsibility to find out what those restrictions are and observe them.

This Web Site does not constitute an offer or solicitation on the part of the Bank to provide products or services described therein to any person to whom it is unlawful to make such offer or solicitation or where the local law or regulation does not permit the use of such products or services. If in doubt, you should check with your local regulator or authority before using any such products or services.

BY PROCEEDING TO READ THIS INFORMATION YOU ARE AGREEING THAT YOU DO NOT RESIDE IN, OR ARE NOT PROPOSING TO PURCHASE OR SUBSCRIBE FOR ANY PRODUCTS OR SERVICES FROM, ANY JURISDICTION OUTSIDE HONG KONG. IF THIS IS NOT THE CASE, PLEASE CLICK THE “BACK” BUTTON ON YOUR BROWSER.

Products and services are available only at the discretion of the Bank or the relevant Standard Chartered Bank Group company or associate, subject to the individual terms and conditions on which they are offered and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations. Fees, commissions or other charges may apply to certain services – the office providing the services can provide details.

Transactions with any office of Standard Chartered Bank outside Hong Kong, or with any other Standard Chartered Bank Group company outside Hong Kong, are not protected by Hong Kong’s regulatory regime.

Investment involves risk. The price of investment products can and does fluctuate, and any individual investment product may experience upward or downward movements, and may even become valueless. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling investment products.

The risk of loss in trading futures contracts or options can be substantial. In some circumstances, you may sustain losses in excess of your initial margin funds. Placing contingent orders, such as “stop-loss” or “stop-limit” orders, will not necessarily achieve the desired results. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account. You should therefore study and understand futures contracts and options before you trade and carefully consider whether such trading is suitable in the light of your own financial position and investment objectives.

This Web Site does not constitute an offer or solicitation on the part of the Bank to sell investments or make deposits in any country to any person to whom it is unlawful to make such an invitation or solicitation in such country.

The information contained in this Web Site is not intended to provide professional advice. Persons accessing this Web Site should obtain appropriate professional advice when necessary.

The Bank or any other SCB Group company is not responsible for the contents available on or the set-up of any other websites linked to this Web Site. Access to and use of such other Web Site is at the user’s own risk and subject to any terms and conditions applicable to such access/use. By providing hyperlinks to other Web Site, the Bank shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the service/products they provide on their Web Site, or have any form of cooperation with such third parties and Web Site. The Bank is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by the Bank.

Email messages sent to the Bank over the Internet cannot be guaranteed to be completely secure. The Bank is not responsible for any damages (no matter it is howsoever arise and no matter whether it is direct, indirect, special or consequential damages) incurred by you if you send a message to the Bank, or if the Bank sends a message to you at your request, over the Internet.

Due to the nature of the Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. The Bank is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.

The Bank does not represent or warrant that this Web Site will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility 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. The bank makes representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with this Web Site.

Whilst every reasonable care has been taken in preparing the information and materials contained in this Web Site, such information and materials are provided “as is” without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials.

The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

The Bank accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this Web Site, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with this Web Site, its contents or associated services, or due to any unavailability of this Web Site or any part thereof or any contents or associated services.

Unless restricted by applicable law, you agree that any and all personal information/data relating to you collected by the Bank from this Web Site from time to time may be used and disclosed for such purposes and to such persons as may be in accordance with SCBHK’s current Data Protection and Privacy Policy.

A copy of SCBHK’s current Data Protection and Privacy Policy may be accessed by clicking here.

You hereby agree to indemnify and to keep the Bank fully and effectively indemnified against any action, liability, cost, claim, loss, damage, proceeding or expense (including legal fees, costs and expenses on a full indemnity basis) suffered or incurred by the Bank arising from or which is directly or indirectly related to:

The Bank may terminate your access to this Web Site at any time, with or without cause or notice.

The Bank reserves the right in its discretion to change without prior warning or notice any information or material contained on this Web Site and the terms and conditions under which this Web Site is used.

All contents of this Web Site including, but not limited to the text, graphics, links and sounds are the copyright of Standard Chartered PLC and may not be copied, downloaded, distributed or published in any way without the prior written consent of SCB.

“Standard Chartered” and “Standard Chartered Bank” are registered trade marks and service marks of Standard Chartered PLC and no permission or licence is granted to use any such trade marks or service marks without the prior written consent of Standard Chartered PLC. All other marks names and logos used on this Web Site (unless otherwise stated) are the intellectual property rights held by companies within the Standard Chartered Group.

In relation to any information or materials which you submit to SCB using this Web Site, you hereby grant to SCB a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such information or materials for any purpose it deems including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law.

You agree that the Bank shall not be under any obligation of confidentiality to you regarding any such information or materials submitted to it using this Web Site unless agreed otherwise in a separate direct contract between you and the Bank or required by law.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this Web Site.