Terms and Conditions

Website Terms of Use

This website is operated and maintained by or on behalf of Canadian Imperial Bank of Commerce (“CIBC”), Itaú Unibanco S.A. (“Itaú”), National Australia Bank Limited (“NAB”), NatWest Group plc (“NatWest”), UBS AG (“UBS”), Standard Chartered Bank (“Standard Chartered”), BNP Paribas (“BNP Paribas”), Sumitomo Mitsui Banking Corporation (“SMBC”) and their respective affiliates (together referred to as “we”, “us” or “our”). In these Terms of Use (defined below), the term “you” refers to anyone who uses, contributes to, visits and/or browses this website, and the term “content” shall include (but not be limited to) any text, software, documents, graphic, design, format, layout, appearance, look and any other materials published on this website. The use of this website is subject to the following terms of use (“Terms of Use”) which you should read carefully.

Use of this website

By using this website you agree to be legally bound by these Terms of Use. If you do not accept these Terms of Use, please do not use this website. We reserve the right, in our sole discretion, to modify, alter or otherwise update these Terms of Use at any time without notification and any such modification, alteration or update to these Terms of Use will be effective immediately upon being published. By continuing to use this website, you agree to be bound by such modifications, alterations or updates.

Use of content

All content provided on this website is for general information and use only. The content on this website does not constitute legal, financial, investment or other professional advice. You should always consult relevant professional advisers for any advice.

Unauthorised uses of this website

You must not, and must not permit any third party to, access, use or otherwise interact with this website to, or in a manner that will:

  • infringe our intellectual property rights or any of our other rights, or the rights of any other person;
  • apply any process (including data scraping, crawling, bots, spiders or similar) that accesses, processes, copies, replicates, publishes, analyses, modifies or reconfigures any page, data or part of this website or its content;
  • decompile, disassemble, reverse engineer or otherwise attempt to obtain any source code or processes of or relating to this website;
  • disrupt or interfere with the operation of this website, or place an unreasonable load on the hardware or other infrastructure of or used to provide this website;
    introduce into or transmit any virus, worm or other harmful code via this website or any computer network; or
  • breach any law, or publish or disseminate any unlawful, defamatory, indecent, offensive or otherwise inappropriate material.
  • Unauthorised use of this website (including but not limited to the above actions) may give rise to a claim for damages and/or be a criminal offence. We may terminate your access to this website, without cause or notice, which may result in the forfeiture or destruction of all information associated with you. All provisions of these Terms of Use that by their nature should survive termination shall survive termination, including, without limitation, intellectual property provisions, disclaimer and exclusion of liability.

Website availability

We use reasonable efforts to make sure that you can access and use this website at all times. Despite our efforts, this website may not be accessible at all times and you may experience interruptions, delays, errors or faults in your use of and access to it. We will not be responsible to you or anyone else if these things occur.

Links to Third Party websites and content

This website may contain links to third party websites for your information and convenience, which will enable you to leave this website and go directly to the linked website. The operators of these third party sites are not affiliated with us and we are not responsible for the content of these sites. We make no representations whatsoever about third party websites or content which you may access through this website. The existence of these links does not mean that we endorse or accept any responsibility for such websites or their content.

Personal data and information

Any personal data and information collected by us through your use of this website (including personal data and information you provide to us when you submit an enquiry form) will be handled in accordance with our Privacy Policy. Please read that document before you provide any personal data or information to us. We may use cookies to identify your computer on our server and so we can track your use of this website. In some instances cookies may collect and store personal information about you. Such personal information will only be used by us in accordance with our Privacy Policy and Cookie Notice. These notices and policy links can be located at the bottom of the website page.


The transmission of information over the Internet is not completely secure or error free. In particular, emails or other communications to or from us and information submitted to or accessed via this website may not be secure and you should use discretion in deciding what information you send to us via these means. Emails or other communications to or from us may undergo email filtering and virus scanning, including by third party contractors. We do not warrant that such filters and scans will be effective in removing viruses or other potentially harmful code.

Intellectual property rights

The content provided by us on this website is owned or licenced by us and is protected by applicable copyright and other laws. You may only use the content for your own personal purposes, and may not otherwise use, copy, reproduce, modify, publish or transmit the content without our prior written consent. All rights, save as expressly granted, are reserved. This website includes trade marks which are protected by law. You may not use our trade marks without our prior written consent, except to legitimately identify our products or services. You must not remove any copyright or trade mark notices from any materials included in this website.


We use reasonable endeavours to ensure that the information we make available on this website is accurate and up-to-date as at the date of publication. However, we cannot guarantee the accuracy, currency or completeness of the information provided, particularly where that information is provided by third parties. As such, to the fullest extent permitted by law, this website is provided “as is” and “as available” without any warranties, undertakings or representations of any kind, either express or implied. Access to and use of this website is at your own risk. We do not guarantee that this website is suitable for your intended use in any particular jurisdiction, that the information in this website is free from errors, inaccuracies or omissions, that access to this website will be uninterrupted, or that this website will be free of faults, viruses, spyware, malicious software, trojans or worms.

Exclusion of liability

To the maximum extent permitted by law, we, our affiliates and any party involved in creating, producing or delivering our website will not be liable for your use of or reliance on this website under any circumstances, including (without limitation) negligence. To the maximum extent permitted by law, we will not be liable for any loss, damage, cost or expense (whether direct or indirect) suffered or incurred arising out of or in connection with your use of this website and these Terms of Use. Nothing in these Terms of Use restricts, excludes or modifies any right that cannot be excluded by us under any applicable law.


In the event any provision of these Terms of Use is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by an enforceable provision that comes the closest to the intention underlying the unenforceable provision.

Changes to this website

We may change the contents of this website at any time without notification and we shall not be obliged to remove any outdated information from this website or to expressly mark it as being outdated.

Governing law

These Terms of Use are governed by the laws of Victoria, Australia and any dispute regarding this website shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia and the courts of appeal from them.


Our rights under these Terms of Use may be waived only in writing and specifically. These Terms of Use are subject to change from time to time. Please check this website regularly to inform yourself of any changes.

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