1.	By accessing the Website ("the Website”) or Mobile Apps (“Apps") of Chong Hing Bank Limited (“Bank”), and/ or any pages of the Website or the Apps, you agree to be bound by the provisions set out below and by continuing to use or access the Website or Apps following the posting of any changes to these provisions, you are deemed to have accepted and to be bound by such provisions and the changes made.
2.	All information, materials and descriptions (collectively “Information” including words, charts, related websites and other items) contained in the pages (“Pages”) and / or audio sound tracks linked by or via the Website or Apps are subject to change from time to time at the sole discretion of the Bank without prior notice to you. The Bank does not and will not warrant the accuracy, adequacy, timeliness or completeness of such Information. The Bank expressly disclaims liability for all errors and omissions in such Information.
3.	Products and services referred to in the Website or Apps are offered only in jurisdictions where and when they may be lawfully offered by the Bank.
4.	The Information contained in the Pages is solely for reference purpose and is not intended to be relied on as advice, which must not be regarded as a substitute for advice in any case, especially for individual circumstances when the services of professional advisor should be sought where necessary.
5.	Information sent over the Internet cannot be guaranteed to be completely secured. In no event will the Bank be liable for any losses or damages caused by any interruption, transmission blackout, delayed or incorrect data transmission due to situation beyond the Bank's reasonable control. The Bank expressly disclaims liability for any interruption, defect, delay in operation or transmission, computer virus, worms or line or system failure, hacking, or in connection with any errors or omissions in the Information, any incidental or consequential damages, losses or expenses arising in connection with the Website or Apps or use of any product or services thereof or inability to use the Website or Apps by any person.
6.	Hyperlinks to other internet sites, apps or resources are accessed and used solely at your own risk. The inclusion of hyperlinks to other sites or apps on the Website or Apps does not imply any investigation, verification or endorsement by the Bank of the integrity, Information or material in connection with such sites or apps. The Bank expressly disclaims any responsibility for the accuracy, contents, availability, integrity, completeness, timeliness or omission of the information or other websites / resources hyperlinked to or found on sites that link to or from the Website or Apps.
7.	A cookie is a small file that can be placed on your computer's hard disk and it does not contain any of personally identifiable data like your name, phone number, address and email address. You are not obliged to turn on "Cookies" of your browser for the Website or Apps and you can in fact disable "Cookies" by changing the setting of your web browser. Once you have disabled all cookies, certain functions or features on our Website or Apps may not work properly. The Bank uses cookies on the Website or Apps so that the Bank may track how users navigate through the Website or Apps, in order to enable the Bank to evaluate and improve the Website or Apps. When you visit the Website or Apps, the Bank's server will record your data such as IP address together with the date, time and duration of your visit. The Bank may use such information obtained to compile statistical data on the use of the Website or Apps, but such information will be used on an anonymous, aggregated basis and you cannot be identified from the compiled data. In general, such information will be kept by the Bank or third parties (for instance, digital analytic solution providers) for such period depending on the Bank’s actual business needs but not exceeding 7 years .
8.	The Bank may work or cooperate with third parties (for instance, digital analytic solution providers) to track Website or Apps usage and activities by using cookies at the Website or Apps on the Bank’s behalf. The purpose is to research certain usages and activities on different parts of the Bank’s Websites or Apps. No personally identifiable data will be collected or shared with any other third parties.
9.	All information, materials and data sent to or collected by the Bank via the Website or Apps shall remain and be deemed the property of the Bank which the Bank is entitled to use for any lawful purpose subject to compliance with the Bank’s privacy policy to which you are subject .
10.	The eligibility and availability for each particular product or service at the Bank’s Website or Apps is subject to final determination and acceptance by the Bank.
11.	All title, copyrights and other intellectual property rights in and to the Website, Apps, Information and its content are owned by the Bank or by the respective content provider, and no right or licence is granted to you or other user.
12.	It is your sole responsibility to prevent, safeguard and ensure that no computer virus enters your system and the Website or Apps. You shall take reasonable and appropriate precautions to scan for and safeguard against computer viruses and other contaminating or destructive or otherwise inappropriate properties. You will on demand indemnify the Bank, its affiliates, officers, employees, service providers and agents for all losses, damages, claims, legal proceedings, liabilities, interests, costs and expenses suffered or incurred by the Bank arising out of and in connection with as a result of from your use of this Website or Apps.
13.	Nothing of this Website or Apps or its Pages shall be regarded as any offer or solicitation to sell investments or conduct any activities with respect to any person in any jurisdiction in which it would be unlawful to make such offer or solicitation.
14.	The construction of these provisions is governed by the laws of Hong Kong.
15.	The English version of these provisions prevails over the Chinese version in event and to the extent of any inconsistency between them.