SENEST OPDATERET: 1. JULI 2021

 

Databeskyttelseserklæring vedrørende Bank of Americas kommercielle kort
 

Denne databeskyttelseserklæring forklarer, hvordan Bank of America Europe DAC indsamler, bruger og videregiver personoplysninger online og offline i forbindelse med tilvejebringelsen af de kommercielle kort, kommercielle betalinger og rapporteringstjenester, som vi tilvejebringer for vores erhvervs- og institutionskunder ("tjenester"). Vi henviser til de enkeltpersoner, hvis personoplysninger vi behandler, f.eks. kortholdere, rejsende og personer, som arbejder for vores kunder, som "dig" i denne meddelelse. Denne erklæring forklarer også, hvordan vi indsamler, bruger deler og beskytter personoplysninger fra den registrerede i forhold til events, som disse enheder hoster. Se relevante afsnit om håndtering af events og eksekvering.

Personlige oplysninger
 

"Personlige oplysninger" er oplysninger, der identificerer en person eller relaterer til en identificerbar person, herunder:
 

  • Navn
  • Postadresse
  • Telefonnummer
  • E-mailadresse og andre identificerbare adresser til elektronisk kommunikation
  • Fødselsdato
  • Pasoplysninger og andre offentlige eller statslige udstedte typer personlig ID (herunder kørekortnummer, CPR-nummer samt andre identificerbare numre)
  • Titel
  • Navn på moderen før hun blev gift eller andre sikkerhedsspørgsmål og svar til godkendelsesbrug
  • Bankkontooplysninger
  • Medarbejderidentifikator
  • Enhedsidentifikator
  • Telefon- eller elektroniske optagelser
  • IP-adresse
  • Identiteten af forhandlere til hvem kommercielle kort bliver fremvist til betaling for varer og tjenester
  • Dato og beløb på køb
  • TIl håndtering af events (virtuelt eller personligt) i tillæg til de nævnte data ovenfor, kan vi også indsamle:

        o   Kostbehov

        o   Behov for særlig assistance (høre-, syns- eller fysisk hæmmet)

        o   Rejseoplysninger

        o   Partner/partnerd navn

        o   Speakerbiografier

 

Vi kan være nødt til at indsamle og behandle personoplysninger for at kunne levere de efterspurgte tjenester, eller fordi vi er juridisk forpligtede til at gøre det. Hvis vi ikke modtager de oplysninger, som vi anmoder om, vil vi muligvis ikke være i stand til at levere de efterspurgte tjenester.


Indsamling af personlige oplysninger


Vi og vores repræsentanter, tilknyttede selskaber og tjenesteudbydere kan indsamle personlige oplysninger på flere forskellige måder, herunder:
 

  • Gennem tjenesterne: Vi indsamler muligvis personlige oplysninger gennem tjenesterne, herunder vores Global Card Access-hjemmeside og -mobilapp.
  • På anden vis end gennem tjenesterne: Vi kan vælge at indsamle personlige oplysninger om dig på anden vis end gennem tjenesterne, som for eksempel når du deltager i en transaktion eller kontraktmæssig aftale.
  • Fra andre kilder: Vi kan modtage personlige oplysninger fra andre kilder som f.eks. din arbejdsgiver, fra den enhed, som vi leverer tjenester, til og fra andre tredjeparter.
  • Håndtering af events og eksekvering: Du leverer personlige oplysninger gennem eventregistreringsprocessen.

 

Brug af personlige oplysninger Vi og vores tjenesteudbydere kan bruge personlige oplysninger til vores legitime forretningsinteresser, herunder følgende:

  • til at administrere dit kort eller vores kundes kortprogram og levere tjenester til dig eller vores kunde,
  • til at facilitere transaktioner,
  • til at overholde reglerne for ethvert relevant kortprogram,
  • til at besvare forespørgsler og opfylde anmodninger fra vores kunder, administrere deres konti og administrere vores forhold,
  • til at bekræfte en persons identitet og/eller lokalitet (eller din repræsentants eller agents identitet eller lokalitet) for at tillade adgang til kundekonti eller udføre transaktioner online,
  • til at beskytte sikkerheden af konti og personlige oplysninger,
  • til forretningsformål, herunder dataanalyse, revisioner, udvikling og forbedring af produkter og tjenester, identifikation af brugertendenser og til at fastslå effekten af reklamekampagner og forstærke, forbedre eller ændre vores tjenester,
  • til risikostyring, detektering og forebyggelse af svindel, herunder "kend din kunde", antihvidvaskning af penge, krav om rettidig omhu, overholdelse af sanktionsregler, overvågning af svindel og indberetning til skattevæsenet,
  • til at overholde love og regulativer (herunder enhver juridisk eller lovmæssig retningslinje, kode eller udtalelse) og til at overholde andre krav vedrørende juridisk proces fra myndighederne,
  • til at sende administrative informationer til kunder, såsom ændringer til vores vilkår, betingelser og politikker,
  • til håndtering af events og eksekvering med henblik på at sikre, at alle deltagere har en tryg og behagelig oplevelse, for at levere meddelelser vedrørende eventen, levere analyser til forbedring af vores events og udvikling af nye events, bestemme deres overordnede effektivitet, forbedre produkter og tjenester og til at operere og udvide vores forretningsaktiviteter.

 

Vær venligst opmærksom på, at de personlige oplysninger, vi indsamler for at opfylde vores juridiske og lovmæssige krav i relation til hvidvaskning af penge og finansiering af terror, kun bliver behandlet til disse formål, medmindre der er indgået aftale om andet.

 

Vi anvender ikke dine personlige oplysninger til at træffe beslutninger, der udelukkende er baseret på automatisk behandling (inklusive profilering), der har juridiske eller tilsvarende indvirkninger på individer.


Videregivelse af personlige oplysninger


Personlige oplysninger kan videregives til:
 

  • enhver person eller virksomhed, der arbejder for os (herunder professionelle tjenesteorganisationer som leverandører af juridiske, revisions- og bogføringstjenester, teknologi- og databehandlingsfirmaer og leverandører af IT-hosting),
  • din arbejdsgiver eller enhver virksomhedsgruppe tilhørende din arbejdsgiver eller vores kunde,
  • enhver person eller virksomhed, der leverer produkter eller tjenester til dig, din arbejdsgiver eller vores kunde i forbindelse med dit kort eller din transaktion (herunder vores forsikringsselskab, forsikringsmægler, kortprogram, leverandør af værditilførte tjenester, rejseadministrationsfirma),
  • enhver person, til hvem vi overfører eller kan overføre enhver af vores rettigheder eller forpligtelser iht. den aftale, som vi har med din arbejdsgiver eller vores kunde,
  • ethvert betalingssystem hvorunder vi udsteder dit kort, kortprogram eller transaktion,
  • enhver institution, domstol, agentur eller myndighed (herunder politimyndigheder og vores kontrolmyndigheder), til hvem vi ved lov er forpligtet til at videregive oplysningerne, herunder uden begrænsning love og regulativer vedrørende bekæmpelse af terrorisme og hvidvaskning af penge og med henblik på at bekæmpe kriminalitet og terrorisme,
  • enhver tjenesteudbyder ifm. med kontoinformationer eller anden tredjepart, som du, din arbejdsgiver eller vores kunde giver tilladelse til at modtage eller tage adgang til oplysninger, som vi er i besiddelse af,
  • vores tilknyttede selskaber til de formål beskrevet i denne meddelelse om beskyttelse af personlige oplysninger (en liste over vores tilknyttede selskaber kan fås på anmodning),
  • vores tredjeparts tjenesteudbydere, som leverer tjenester som f.eks. hjemmeside-hosting, dataanalyse, betalingsbehandling, ordreopfyldelse, informationsteknologi og levering af tilhørende infrastruktur, kundeservice, levering af e-mail, kortproduktion, udskrivning, revision og andre tjenester, som f.eks. markedsføring og eventhåndtering og -udførelse (eventleverandører, organisatorer, frivillige, kontrahenter og sponsorer).


Hvis du har afgivet forkerte eller unøjagtige oplysninger, eller vi har mistanke om svindel, vil vi registrere dette og kan give disse oplysninger videre til efterretningsvæsen og politimyndigheder.


Hvis en betaling i forbindelse med kontoen behandles gennem et verdensomfattende betalingssystem, kan oplysninger om dig blive videregivet til visse myndigheder (herunder myndigheder uden for Irland) for at opdage og forhindre terrorisme.

 

Anden brug og videregivelse


Vi kan også bruge og videregive personlige data, som vi tror er nødvendige eller passende (a) for at overholde gældende lovgivning, herunder traktater eller overenskomster med eller mellem udenlandske eller indenlandske regeringer (herunder i relation til skatterapporteringslove), som kan inkludere love udenfor landet, som du er bosat i, til at besvare forespørgsler fra offentlige myndigheder og regeringsmyndigheder, som kan omfatte autoriteter udenfor dit land, til at samarbejde med retshåndhævelsesmæssige, regeringsmæssige, regulatoriske, sikkerhedsmæssige udvekslinger eller lignende bureauer eller eller autoriteter, herunder skattemyndigheder, til hvilke vi eller vores datterselskaber er forpligtet overfor eller skal indberette til, for hvert et lands vedkommende, eller af andre lovmæssige årsager, som kan overføre persondataene til tilsvarende bureauer eller autoriteter i andre lande, (b) til centralbanker, tilsynsmyndigheder, depoter til dataudveksling eller godkendte rapporteringsmekanismer, som kan være udenfor dit land; (c) til domstole, modparters procesmodparter og andre, i medfør af stævning eller anden domstolsordre eller proces eller på anden vis som det er rimeligt nødvendigt, herunder i kontekst af retstvist, voldgift og lignende retsprocesser for at håndhæve vores vilkår og betingelser, og som det er rimeligt nødvendigt for at forberede eller udføre enhver retstvist, voldgift og/eller lignende retsprocesser; og (d) til at beskytte vores rettigheder, persondata, sikkerhed eller ejendom og/eller vores datterselskabers, dine eller andres.


Derudover kan vi bruge, videregive eller overføre personlige oplysninger til en tredjepart (i) i tilfælde af omorganisering, fusion, salg, joint-venture, tildeling, overførsel eller anden disponering af alle eller enhver del af vores virksomhed, aktiver eller værdier (herunder i forbindelse med enhver insolvens, konkurs eller lignende processer) og/eller (ii) til tredjeparter, som anmodet om af kunder eller deres repræsentanter.

 

Online information


Hvordan indsamler vi personlige oplysninger online gennem cookies og lignende trackingteknologier?


Vi indsamler oplysninger om dig via din computer, smartphone eller anden mobilenhed ved hjælp af cookies og lignende trackingteknologier.


Den type oplysninger, vi indsamler fra og om dig online, afhænger af hvordan du interagerer med os og kan omfatte: (ikke alle disse er gældende for dig)
 

  • Unikke enhedsidentifikatorer (fx Media Access Control (MAC) eller Internal Protocol (IP)-adresser)
  • Browsertype, version, sprog og display/skærmindstillinger
  • Oplysninger om, hvordan du bruger og interagerer med vores hjemmesider og mobilapps (fx besøgte sider eller links, du har klikket på)
  • Undersøgelsesvar og lignende oplysninger, som afslører synspunkter og præferencer, men som ikke afslører en persons specifikke identitet.
  • Svar på annoncer på hjemmesider og mobilapps, hvor vi annoncerer
  • Log-information såsom din søgning og stemme til tekst forespørgsler i mobilappen
  • Søgemaskinehenvisninger
  • Geoplaceringsoplysninger

 

Hvordan bruger vi oplysningerne, som indsamles online?


Vi indsamler disse oplysninger via cookies og andre trackingteknologier af følgende årsager:
 

  • Fordi det er nødvendigt for at sikre, at denne hjemmeside virker efter hensigten, såsom at udføre godkendelse på en sikker hjemmeside. Uden disse oplysninger, kan visse tjenester, som du har bedt om, ikke leveres, fx på et sikkert område, der kræver godkendelse, og til at opdage og forebygge svindel, identificere tyveri og andre risici for dig eller Bank of America.
  • For at huske de valg, du foretager (såsom dit brugernavn, sprog og region) og levere en forbedret, mere personlig oplevelse. Disse cookies kan bruges til at huske ændringer, du har lavet til tekststørrelse, font og andre dele på hjemmesider, som du kan have tilpasset. De kan også bruges til at levere tjenester, som du har bedt om, såsom at se en video eller kommentere på en blog.
  • For at forbedre hvordan hjemmesiden fungerer og inkluderer indsamlede oplysninger, om hvordan bsøgende bruger en hjemmeside, fx hvilke sider besøgende besøger oftest, eller om de får fejlmeddelelser fra hjemmesider. Disse oplysninger kan også bruges til at lave kollektive følgeslutninger baseret på valg og browseradfærd til marketing- og annonceundersøgelser.
  • Til at levere annoncer, der kan være relevante for dig og dine interessenter. Disse bruges også til at begrænse antal gange, du ser en annonce, samt hjælper med at måle effektiviteten af annoncekampagnen. Disse er sædvanligvis placeret af annoncenetværk med hjemmesideadministrators tilladelse. Disse husker, at du har besøgt en hjemmeside, og disse oplysninger kan deles med andre organisationer såsom annoncører.
  • Til at levere oplysninger til dig, som du har bedt om, såsom et kontors beliggenhed baseret på din placering.

 

Brug og videregivelse af andre oplysninger


Vi kan bruge og videregive andre oplysninger til et hvilket som helst formål, undtagen hvor vi af gældende lov er forhindret i at gøre det. I nogle tilfælde kan vi kombinere andre oplysninger med personlige oplysninger. Hvis det sker, vil vi behandle de samlede oplysninger som personlige oplysninger, så længe de er samlet.


Se vores Cookie-politik for at få yderlligere oplysninger om cookies og trackingteknologier, herunder hvordan du kan håndtere cookies.


Tredjepartstjenester


Denne databeskyttelseserklæring omtaler ikke, og vi er ikke ansvarlige for, tredjeparters oplysninger, beskyttelse af personlige oplysninger eller anden praksis. Dette gælder også tredjeparter, der driver en hjemmeside eller tjeneste, hvortil tjenesterne indeholder et link. Inkluderingen af et link på tjenesterne indebærer ikke en godkendelse af den linkede hjemmeside eller tjeneste fra vores eller vores tilknyttede selskabers side.


Sikkerhed


Vi stræber efter at bruge rimelige organisatoriske, tekniske og administrative foranstaltninger til at beskytte personlige oplysninger i vores organisation. Desværre kan ingen dataoverførsel eller opbevaringssystem garanteres at være 100 % sikker. Hvis du har grund til at tro, at din interaktion med os ikke længere er sikker, bedes du straks underrette os i henhold til afsnittet "Kontakt os" nedenfor.


Modtagelse af elektronisk kommunikation fra os


Hvis du ikke længere ønsker at modtage marketingrelaterede e-mails fra os fremadrettet, kan du fravælge dette ved at følge instruktionerne i den relevante elektroniske kommunikation.


Vi vil forsøge at imødekomme din anmodning så hurtigt som praktisk muligt. Bemærk, at hvis du fravælger at modtage marketingrelaterede e-mails fra os, kan vi stadig sende dig vigtige administrative og tjeneste- eller transaktionsrelaterede beskeder, som du ikke kan fravælge.


Sådan kan enkeltpersoner tilgå, ændre eller undertrykke deres personlige oplysninger


Hvis du ønsker at anmode om at se, rette, opdatere, undertrykke, begrænse eller slette personlige oplysninger, som du tidligere har afgivet til os, eller hvis du ønsker at anmode om at modtage en elektronisk kopi af dine personlige oplysninger med henblik på at overføre dem til en anden virksomhed (i det omfang gældende lov giver denne ret til dataoverførsel), kan du kontakte os per telefon på 00800 0456 7890 eller +44 (0) 207 839 1481. Vi vil svare på din anmodning i overensstemmelse med gældende lov.


I din anmodning bedes du specificere, hvilke personlige oplysninger du ønsker at få ændret, om du ønsker at få de personlige oplysninger undertrykt fra vores database, eller på anden måde fortælle os, hvilke begrænsninger, du ønsker at sætte på vores brug af dine personlige oplysninger. For at beskytte dig vil vi muligvis kun indføre anmodninger vedrørende de personlige oplysninger forbundet med den specifikke e-mailadresse, som du bruger til at sende os din anmodning, og vi kan være nødt til at bekræfte din identitet, inden vi indfører din anmodning. Vi vil forsøge at imødekomme din anmodning så hurtigt som praktisk muligt.


Bemærk, at vi kan være nødt til at bevare visse oplysninger til bogholderi og/eller lovmæssige formål og/eller for at fuldføre transaktioner, som du påbegyndte inden anmodningen om en ændring eller sletning. Der kan også være resterende oplysninger, der vil forblive i vores databaser og andre registre, som ikke vil blive fjernet. Vi vil muligvis ikke længere være i stand til at levere tjenesterne til dig, hvis du anmoder om en sletning.


Opbevaringsperiode


Vi vil opbevare personlige oplysninger, så længe det er nødvendigt eller tilladt, afhængigt af de formål, hvortil de blev indhentet. Kriteriet, der anvendes til at fastslå vores opbevaringsperiode, omfatter (i) det tidsrum, vi har et vedvarende forhold til vores kunde og leverer tjenesterne, (ii) om vi er underlagt en juridisk forpligtelse, (iii) om opbevaring er tilrådeligt i betragtning af vores juridiske stilling (f.eks. med hensyn til gældende forældelsesfrister, retstvister eller undersøgelser fra myndighedernes side).


Mindreåriges brug af tjenesterne


Tjenesterne er ikke henvendt til personer under atten (18) år, og vi indsamler ikke bevidst personlige oplysninger fra personer under 18 år.

 

Jurisdikation og overførsel på tværs af grænser


Personlige oplysninger kan blive opbevaret og behandlet i alle lande, hvor vi har faciliteter, eller hvor vi bruger tjenesteudbydere, inklusive USA. I visse situationer kan domstole, politimyndigheder, tilsynsmyndigheder eller sikkerhedsmyndigheder i disse lande være berettiget til at tilgå personlige oplysninger.


Hvis du befinder dig i det Europæiske Økonomiske Samarbejdsområde (EØS): Visse lande uden for EØS anerkendes af Europa-Kommissionen for at tilvejebringe et passende højt databeskyttelsesniveau i overensstemmelse med EØS-standarder (her finder du en komplet liste over disse lande https://ec.europa.eu/info/law/law-topic/data-protection_en. For overførsler fra EØS-lande til lande, der ikke betragtes som værende egnede af Europa-Kommissionen, har vi implementeret passende tiltag såsom kontraktmæssige standardklausuler, der er indført af Europa-Kommissionen for at beskytte personlige oplysninger. Du kan rekvirere en kopi af disse tiltag ved at følge dette link: https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/model-contracts-transfer-personal-data-third-countries_en. Overførsler kan også foretages i medfør af kontrakter i din interesse eller på din forespørgsel.


Følsomme oplysninger


Vi indsamler normalt ikke følsomme personlige oplysninger i forbindelse med disse tjenester. Vi beder dig undlade at sende os følsomme personlige oplysninger (f.eks. oplysninger forbundet med racemæssig eller etnisk oprindelse, politiske holdninger, religion eller andre opfattelser, helbred, biometriske eller genetiske kendetegn, kriminel baggrund eller medlemskab i fagforening) via tjenesterne eller på anden vis.


Håndtering af events og eksekvering: På registreringstispunktet kan deltagere oplyse os om handicap, der kan kræver tilpasning, eller særlige behov relateret til religiøs tro og/eller helbredskarakteristika, fx kostbehov. Disse oplysninger vil kun blive brugt i det omfang, det er nødvendigt for at facilitere ethvert handicap eller særlige behov. Visse registreringsoplysninger kan ligeledes omfatte følsomme personlige oplysninger (fx kan kostmæssige begrænsninger indikere en specifik religiøs tro). Sådanne data vil kun blive brugt til at facilitere eventdeltagelse.


Opdateringer til denne databeskyttelseserklæring


Vi kan til enhver tid ændre denne databeskyttelseserklæring Påtegnelsen "Sidst opdateret" øverst i denne databeskyttelseserklæring angiver, hvornår denne meddelelse sidst blev opdateret. Alle ændringer vil træde i kraft, når vi opslår den reviderede databeskyttelseserklæring på tjenesterne. Brug af tjenesterne efter disse ændringer (eller din fortsatte tilvejebringelse af dine personlige oplysninger) udgør en accept af den reviderede databeskyttelseserklæring.


Kontakt os


Hvis du har spørgsmål om denne databeskyttelseserklæring, kan du kontakte os på 00800 0456 7890 eller +44 (0) 207 839 1481; eller


Bank of America Commercial Card, Amadeo Financial Centre, Chester Business Park, Chester, CH4 9FE, Storbritannien.


Bank of America Europe DAC, Two Park Place, Hatch Street, Dublin 2, Irland. Registreret i Irland (nr. 229165). Momsnr. IE 8229165F. Hjemsted: Two Park Place, Hatch Street, Dublin 2, Irland er virksomheden, der er ansvarlig for indsamling, anvendelse og offentliggørelse af dine personlige oplysninger under denne databeskyttelseserklæring.


Yderlligere oplysninger for EØS


Personer i EØS kan også:
 

  • kontakte os på 00800 0456 7890 eller +44 (0) 207 839 1481 med spørgsmål til denne databeskyttelseserklæring; eller
  • indsende en klage til en tilsynsmyndighed med kompetence for dit land eller din region eller
  • kontakte vores EU-databeskyttelsesansvarlige på dpo@bofa.com


I henhold til fransk lov skal individer have retten til at fastsætte retningslinjer vedrørende opbevaring, sletning og offentliggørelse af deres personlige oplysninger efter deres død. Sådanne rettigheder kan tilgodeses ved at kontakte os som beskrevet i afsnittet "Kontakt os".

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Disclaimer for Australia:

"Bank of America" is the marketing name for the lending, derivatives and other commercial banking activities of Bank of America Corporation ("BAC"). These activities are performed globally by banking affiliates of BAC and in Australia by Bank of America, N.A. Australian Branch ("BANA Australia"). "BofA Securities" is the marketing name for the securities, corporate advisory and capital markets activities of BAC. These activities are performed in Australia by Merrill Lynch Markets (Australia) Pty. Limited, Merrill Lynch (Australia) Futures Limited, Merrill Lynch Equities (Australia) Limited and their related bodies corporate which hold, or are exempt from the requirement to hold, an Australian Financial Services Licence. Apart from BANA Australia, none of the other BAC entities including BAC itself is an Authorised Deposit-taking Institution authorised under the Banking Act 1959 of Australia regulated by the Australian Prudential Regulation Authority. The obligations of BAC entities (other than BANA Australia) do not represent deposits or other liabilities of BANA Australia and are not guaranteed by BANA Australia.

©2021 Bank of America Corporation.

Disclaimer for India:

“Bank of America” is the marketing name for lending, trading in certain financial instruments and other commercial banking activities of Bank of America Corp. These activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Bank of America provides the following banking products in India: working capital and term loans, structured finance, export finance, global cash management, trade products, foreign exchange services and currency solutions.

“BofA Securities” is the marketing name for trading in securities and financial instruments, strategic advisory, and other investment banking activities of Bank of America Corporation. These activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in India by BofA Securities India Limited, which provides the following services in India: Research, Equity Sales & Trading, Futures & Options, Electronic Trading, Equity Capital Markets, Debt Capital Markets and M&A.

©2021 Bank of America Corporation.

Disclaimer for Brazil:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Bank of America and BofA Securities’ Ombudsman* | Toll Free: 0800 886 2000

* Bank of America Merrill Lynch Banco Múltiplo S.A. (the banking subsidiary in Brazil of Bank of America Corporation) and Merrill Lynch S.A. Corretora de Títulos e Valores Mobiliários (the registered broker dealer in Brazil).

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.

©2021 Bank of America Corporation. All rights reserved.

Disclaimer for Latin America:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation.  Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC.  Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities.  BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Investment products offered by Investment Banking Affiliates:

Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed

Bank of America Corporation and its affiliates do not perform in any jurisdiction banking activities that are reserved by local law to licensed banks, except in those jurisdictions where its banking affiliates have procured the necessary licenses.

Unless otherwise indicated, all services/products are conducted on an offshore basis for Latin America. Some or all of the products may not be available in certain jurisdictions and are subject to change without notice.

This document and its content are for information purposes and shall not be interpreted as banking or financial intermediation, business solicitation and/or public offering of any kind.

“Merrill Lynch” is the trademark that Bank of America Corporation uses in the Republic of Argentina for its capital market, financial advisory and investment businesses, which are conducted by and through Merrill Lynch Argentina S.A.. This entity does not conduct any activities subject to banking license, such as capturing deposits from the public.

Bank of America México, S.A., Institución de Banca Múltiple is a banking affiliate in Mexico of Bank of America Corporation.

Bank of America N.A., Oficina de Representacion (Colombia), is a representative office in Colombia of Bank of America N.A., supervised by the Superintendencia Financiera de Colombia and authorized to promote in Colombia select products and services that Bank of America N.A. and BofA Securities, Inc. provides outside of Colombia. Neither Bank of America, N.A., nor its Representative Office in Colombia, is authorized to carry out in Colombia any activities that are reserved by Colombian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Peru), is a representative office in Peru of Bank of America N.A., supervised by the Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de Pensiones and authorized to promote in Peru select products and services that Bank of America N.A. and its Investment Banking Affiliates provide outside of Peru. Neither Bank of America, N.A., nor its Representative Office in Peru, is authorized to carry out in Peru any activities that are reserved by Peruvian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Chile), is a representative office in Chile of Bank of America N.A., supervised by the Comisión para el Mercado Financiero and authorized to promote in Chile select products and services that Bank of America N.A. provides outside of Chile. Neither Bank of America, N.A., nor its Representative Office in Chile, is authorized to carry out in Chile any activities that are reserved by Chilean law to locally licensed banks.

Bank of America Corporation does not have banking affiliates, branches or bank representative offices in any other jurisdiction in Latin America.

©2021 Bank of America Corporation.

Disclaimer for France:

BofA Securities Europe SA (“BofASE”) with registered address at 51, rue La Boétie, 75008 Paris, registered under n° 842 602 690 RCS Paris, is governed by articles L. 531-1 and following of the monetary and financial code. BofASE is authorized as an investment firm by the Autorité de Contrôle Prudentiel et de Résolution (“ACPR”), is regulated by the ACPR and the Autorité des Marchés Financiers, and is not a credit institution. BofASE’s share capital is € 6,376,300,000.

©2021 Bank of America Corporation.

Disclaimer for Hong Kong:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, National Association, Member FDIC. Trading in securities and financial instruments, and strategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Bank of America, National Association, Hong Kong Branch, is a branch of a national banking association organized and existing with limited liability under the laws of the United States of America.

Disclaimer for Canada:

"Bank of America" and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation including Bank of America, National Association, Canada Branch (BANA CB ) which is an authorized foreign bank regulated by the Office of the Superintendent of Financial Institutions. Deposits with BANA CB are not insured with the Canada Deposit Insurance Corporation.  BANA CB shall not impose undue pressure on, or coerce, a person to obtain a product or service from a particular person, including bank and any of its affiliates, as a condition for obtaining another product or service from BANA CB.

Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation including in Canada by Merrill Lynch Canada Inc. which is a registered broker-dealer regulated by the Investment Industry Regulatory Organization of Canada (IIROC) and a member of the Canadian Investor Protection Fund (CIPF).  Merrill Lynch Canada Inc. is registered as an Approved Participant of the Bourse de Montreal.

Disclosure of best execution obligations and routing practices for Merrill Lynch Canada Inc. (IIROC Dealer Member Rule 3300)

X

Terms and Conditions

These Terms and Conditions ("Terms and Conditions") are for the Bank of America Corporation ("Bank of America") website and those websites of its affiliates (collectively the "Sites") including Bank of America, N.A., Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc., Bank of America Capital Management and certain other affiliates enumerated herein (collectively "Affiliates") that are available through the Bank of America Sites and apply to all services, programs, information and products (collectively "Service") that you ("Client") may use or otherwise access from time to time through the Sites ("Agreement").

USE OF SITES

Client agrees that any trade confirmation, account statement or other document delivered through the Sites by "clicking" on the designated spaces in or relating to such document shall be deemed to be "in writing" and to have been "signed" and delivered for all purposes by Client. Any record of such transaction or confirmation (including, without limitation, electronic records) shall be deemed to be "in writing." Client further agrees that it shall not contest the legally binding nature, validity or enforceability of any transaction, document or confirmation based on the fact that it has been executed by "clicking" on the designated spaces and expressly waives any and all rights it may have to assert such claim.

Bank of America hereby grants to Client a worldwide, non-exclusive, non-sublicensable, non-transferable, non-assignable, personal right and license to access and use the Sites solely for Client's internal use in accordance with the terms of this Agreement. Client accepts the right and license granted herein to access and use the Sites solely in accordance with this Agreement and any rules or restrictions or procedures published by Bank of America on the Sites from time to time. Client acknowledges and agrees that the Sites, and all intellectual property and proprietary rights therein and thereto, anywhere worldwide, including such rights in copyrights, trademarks, service marks, trade dress, patents, patent applications and trade secrets and other proprietary and/or confidential information (collectively, "IP"), are the valuable property of Bank of America and/or its affiliates and licensors. Other than the license granted hereunder, Client obtains no rights to the Sites. Client may not access or use the Sites in any way that may infringe any IP right of Bank of America or its Affiliates or licensors. Client promptly shall notify Bank of America of any actual or threatened infringement or misappropriation of IP, or any portion thereof, of which it becomes aware. Client acknowledges and agrees that it will not use, or allow the use of the Sites in contravention of, and will comply with, any applicable laws, rules, regulations or interpretations (collectively, "Applicable Law").

Client agrees that it will not, and will not authorize or permit any person ("Authorized Person") under its control, under any circumstance to:

  • sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to the Sites, or any portion thereof or data thereon, to any person other than its Authorized Persons, including through oral, written, or electronic means whether as a demonstration or otherwise;
  • photocopy, download or otherwise reproduce in any medium any portion of the Sites, except that Client may download into Client's internal computer system, or print a hard copy of, content on the Sites, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; or
  • alter, decompile or reverse engineer any software component of the Sites.

All cost and expense of equipment, operating platforms, and software necessary to access and use the Sites, and the maintenance thereof shall be the sole responsibility of Client.

No provision of these Terms and Conditions shall restrict Client from taking any action required by any Applicable Law, any self-regulatory organization or any governmental entity to which it is subject. Prior to taking any such action, Client shall, to the extent reasonably practicable given the then-current circumstances, notify Bank of America in writing thereof and consult with Bank of America regarding the steps to be taken to ensure compliance with Applicable Law.

CLIENT ACKNOWLEDGES AND AGREES THAT IT WILL BE RESPONSIBLE TO ENSURE THAT ANY ACTIVITY UNDERTAKEN BY CLIENT OR ITS AUTHORIZED PERSONS IN ANY JURISDICTION AND WITH ANY PERSON IN WHOLE OR IN PART ON OR THROUGH THE SITES IS IN COMPLIANCE WITH APPLICABLE LAW.

Client agrees to provide Bank of America with all information, cooperation and assistance, documents and data as shall reasonably be requested by Bank of America in order to enable Bank of America to comply with any and all Applicable Law. Client understands and agrees that Bank of America may report such information to regulatory authorities to the extent necessary, in its reasonable discretion, to comply with Applicable Law.

SECURITY

Bank of America shall assign to each Authorized Person a unique User ID ("User ID") and a corresponding password and/or other access codes (each, an "Access Code") to enable Authorized Persons to access and use such functions within the Sites as Client shall authorize. Client shall (i) maintain, (ii) take appropriate steps to ensure that its officers and employees maintain, and (iii) inform all Authorized Persons of Client's obligation to maintain, the confidentiality of User IDs and Access Codes and the security of the Sites. Client shall not permit any person other than an Authorized Person to access or use the Sites on its behalf or to use any User ID or Access Code and shall educate and familiarize those Authorized Persons who access and/or use the Sites with Client's obligations under this Agreement. Client acknowledges and agrees that Client and/or its Authorized Persons may access the Sites through the World Wide Web or other Internet service which is not necessarily secure, and Bank of America does not warrant that such system is secure. Client agrees to be bound by all communications (and the consequences thereof) placed on, executed through or facilitated by the Sites that are accompanied by a valid User ID and a valid Access Code assigned to Client or an Authorized Person. Upon becoming aware of, or if Client suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized Person or other person, Client shall promptly notify Bank of America of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized Person, take immediate actions to terminate such Authorized Person's access to and use of the Sites. Bank of America reserves the right to limit or terminate Client’s or any Authorized Person’s access to and use of the Sites immediately and without notice.

NO OFFERS

Unless specifically identified as an offer to sell or a solicitation of any offer to buy, under no circumstances should any information on the Sites be used as or considered to be an offer to sell or a solicitation of any offer to buy the securities or any other instruments of Bank of America or any other issuer. Offers can only be made where lawful under applicable law. Any information, services, or securities offered via the Sites are intended to be available only to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland, Japan, Italy, Korea, the Netherlands, Singapore, the United States and the United Kingdom. The viewing or distribution of the Sites may be restricted by law in certain jurisdictions. Persons using the Sites are required to inform themselves about and observe any legal restrictions on the use of the Sites and any restrictions set forth in the Sites. The Sites do not constitute an offer of, or a solicitation to purchase any securities in any jurisdiction in which such offer or invitation would be unlawful. If you wish to obtain further details about any information contained through the Sites, there are several areas on the Sites that will provide you with contact information.

DISCLOSURE OF INTEREST

Affiliates of Bank of America may make a market or deal as principal in the securities mentioned in these Sites or in options based thereon. In addition, Bank of America or its Affiliates, their shareholders, directors, officers and/or employees, may from time to time have long or short positions in such securities or in options, futures or other derivative instruments based thereon. One or more directors, officers and/or employees of Bank of America or its Affiliates may be a director of the issuer of the securities mentioned at these Sites. Bank of America or its Affiliates may have managed or co-managed a public offering of, or acted as initial purchaser or placement agent for a private placement of, any of the securities of any issuer mentioned on the Sites, or may from time to time perform consulting, advisory, lease, loan solicitation, investment banking or other services for, or solicit investment banking or other business from, mentioned companies.

ACCOUNT INFORMATION

Certain information from Client’s account(s) at Bank of America or its Affiliates is accessible on the Sites and can be downloaded by Client ("Account Information"). While Bank of America and its Affiliates believe that this Account Information will be accurate at the time of access and/or downloading by Client, this information may have certain technical flaws, typographical errors or other inaccuracies. Additionally, the Account Information is subject to immediate change resulting from market conditions, price fluctuations and other related factors. Bank of America and its Affiliates expressly disclaim any responsibility or liability for the accuracy or use of such Account Information upon its being downloaded by Client and will not be liable for any difficulty, damage or inaccessibility of such information due to hardware or software incompatibility.

PRICING AND MARKET INFORMATION

Actual prices can be obtained only on a real-time, expressly agreed-upon basis. Any indicative valuations on the Sites are provided for information only. They are not an offer to enter into, transfer and assign or terminate any transaction, or a commitment by Bank of America or its Affiliates to make such an offer. An indicative valuation may differ substantially from an actual value. Such estimates do not necessarily reflect Bank of America’s or its Affiliates’ internal bookkeeping or theoretical model-based valuations. Certain factors, which may not have been assessed for purposes of these valuations, including, for example, notional amounts, credit spreads, underlying volatility, costs of carry or use of capital and profit, may substantially affect a stated valuation. Indicative valuations may vary significantly from indicative valuations available from other sources. While Bank of America and its Affiliates have obtained the information on which these evaluations are based from sources they believe are reliable, Bank of America and its Affiliates make no representations or warranties with respect to any indicative valuations. Prior to the execution of a Transaction based upon the Content of these Sites, Client is advised to consult with its broker or other financial representative to verify pricing information.

HYPOTHETICAL OR PAST PERFORMANCE

Hypothetical or simulated performance results have inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are designed with the benefit of hindsight. Past performance is not indicative of future results; no representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

MATERIAL IN ITS ENTIRETY

All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

LINKED SITES

Certain hyperlinks on the Sites may link websites maintained by the Affiliates, which are not to be considered a part of the Sites. Certain other links on the Sites to non-affiliated third-party sites may contain information over which we have no control. We take no responsibility for the content, accuracy, content, completeness, timeliness, current value or any aspect of the information on these sites and disclaim any liability to Client for it or for any consequence of your decision to use the links provided or your use of such information. Links to non-Bank of America sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to Bank of America or its Affiliates by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between Client and the providers of products and services at those other sites. Client agrees that it shall not bring a suit or claim against Bank of America or its Affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that Bank of America, its Affiliates or the Sites sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sites is authorized to use any trademark, trade name, logo or copyright symbol of Bank of America or its Affiliates.

CONTENT AND SERVICE AVAILABILITY

Bank of America or its Affiliates may make changes to the Sites and reserves the right to do so without prior notice to you. Client acknowledges that not all products and services listed or discussed in the Sites are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates.

CONSENT TO ELECTRONIC DELIVERY

You agree to receive certain documents and information provided by Bank of America and its Affiliates through the Sites and/or through email provided to you via the Sites. This delivery will generally consist of certain Content on the Sites, and certain other documents relating to Bank of America and its Affiliate’s business. This electronic provision and delivery will be regarded by you as appropriate delivery pursuant to any delivery requirements under the various statutes and rules, where applicable, of the Securities and Exchange Commission, the National Association of Securities Dealers and any state or other jurisdiction. You acknowledge that you have the appropriate technological equipment to use the Sites and to receive email via the Internet and understand that your use of the Internet may incur certain operational costs such as monthly fees for a service provider. You agree to notify Bank of America or the applicable Affiliate in the event that you no longer desire to receive content through this delivery procedure and will allow a reasonable amount of time to permit proper delivery to you through other means.

NO WARRANTY

Client acknowledges that any information provided through the Sites is not intended to be a recommendation, offer or solicitation of any particular products or services. In addition, all research, analysis and similar market information from non-affiliated third parties provided represent the views and opinions solely of the author or the indicated source. Bank of America and its Affiliates do not independently verify the accuracy or completeness of such information, nor does Bank of America and its Affiliates endorse any particular views expressed therein. Except for offering memoranda, Bank of America and its Affiliates disclaim any liability to Client for this information or for any consequence of your decision to use it. Client agrees that it shall independently confirm any such information presented through the Sites before relying on such information. Bank of America, its Affiliates and their respective employees, contractors, agents and various contributors to the Sites have no duty to correct or update any inaccurate or out-of-date information on the Sites.

Client acknowledges that it is acting for its own account, and it has made its own independent decisions to enter into a Transaction and as to whether a Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary. Client is not relying on any communication (written or oral) of Bank of America or its Affiliates as investment advice or as a recommendation to enter into a Transaction; it being understood that information and explanations related to the terms and conditions of a Transaction shall not be considered investment advice or a recommendation to enter into that Transaction. Further, Client has not received from Bank of America or its Affiliates any assurance or guarantee as to the expected results of a Transaction.

COMPLIANCE WITH LAWS AND INDEMNITY

The Sites may be used only for lawful purposes. Client’s conduct may be subject to local, state, national and international laws. Client agrees that it and any of its Authorized Persons shall comply with this Agreement, applicable laws, rules, regulations, ordinances and other similar national and international requirements of the country, state and province in which you are accessing and using the Sites.

Client agrees to abide by applicable export control laws and not to transfer, by electronic transmission or otherwise, any content on the Sites subject to restrictions under such laws to a national destination prohibited under such laws, without first obtaining, and then complying with, any requisites government authorization. Client further agrees not to upload to the Sites any data or software that cannot be exported without prior written government authorization, including, but not limited to, certain encryption software. This assurance and commitment shall survive termination of these Terms and Conditions. Offices, residents and operations of your organization in Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are the subject of sanctions by the United States Office of Foreign Asset Control or other general U.S. embargo restrictions are not permitted to access and use the Sites, and any such access and use is a violation of these Terms and Conditions.

Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. Bank of America and its Affiliates reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. Notwithstanding the foregoing, you are not required to indemnify Bank of America or its Affiliates for its own violations of applicable laws.

  • FOR RESIDENTS OF BRAZIL:

    The information contained here does not constitute a public offering or distribution of securities in Brazil and no registration or filing with respect to any securities or financial products available on the Sites has been made with Commisao de Valores Mobiliarios.

  • FOR RESIDENTS OF CANADA:

    The information contained here does not constitute a public offering or distribution of securities in Canada or any of its provinces. No registration or filing with respect to any securities or financial products available on the Sites has been made with any regulatory agency thereof.

  • FOR RESIDENTS OF FRANCE:

    The Sites do not constitute a solicitation to enter into a transaction involving financial instruments, is not being distributed in the context of a public offer in France within the meaning of Article L. 411–1 of the Monetary and Financial Code, and has thus not been submitted to the COB for prior approval and clearance procedure. Any offers, sales or distribution of financial instruments through the Sites shall only be made in France to qualified investors (investisseurs qualifi?s) as defined in and in accordance with Article L. 411-2 of the Monetary and Financial Code and d?cret no. 98–880 dated 1st October, 1998. The contents of the Sites may not be redistributed or reproduced (in whole or in part) by any User. The Sites are made available with the understanding that Users will make investment decisions for their own account with the conditions set out in d?cret no. 98–880 dated 1st October, 1998. By using the Sites, Users undertake not to transfer, directly or indirectly, any financial instrument acquired through the Sites to the public in France, other than in compliance with applicable laws and regulation. Services hereunder may be provided by Banc of America Securities, Limited, as agent or otherwise.

  • FOR RESIDENTS OF GERMANY:

    The Sites are made available only to professional investors as such term is defined in the Securities Sales Prospectus Act.

  • FOR RESIDENTS OF HONG KONG:

    Access to the Sites is by invitation only to institutional investors. No information or material contained in the Sites is or should be construed as amounting to an offer to enter into any transaction or investment whatsoever. The information on these Sites is provided by the Hong Kong branch of Bank of America, N.A., and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of this Site is with the Hong Kong branch of Bank of America, N.A.

  • FOR RESIDENTS OF IRELAND:

    Access to the Sites is by invitation only to professional investors.

  • FOR RESIDENTS OF ITALY:

    Access to the Sites is by invitation only to professional investors as defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.

  • FOR RESIDENTS OF JAPAN:

    Access to the Sites is by invitation only to financial institutions as defined under the Law Concerning Foreign Securities Firms.

  • FOR RESIDENTS OF KOREA:

    Access to the Sites is by invitation only to professional investors with a valid password. The information contained here does not constitute a public offering or distribution of securities in Korea.

  • FOR RESIDENTS OF NETHERLANDS:

    Access to the Sites is by invitation only to professional market parties as defined in the Dutch Securities Transactions Supervision Act 1995. Securities or other instruments on these Sites are only offered to professional market parties.

  • FOR RESIDENTS OF SINGAPORE:

    Access to the Sites is by invitation only to institutional investors. The information contained here does not constitute a public offering or distribution of securities in Singapore. The information in these Sites is provided by Bank of America Singapore Limited and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of these Sites is with Bank of America Singapore Limited.

LIMITATION OF LIABILITY

THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. YOU ACKNOWLEDGE THAT NEITHER Bank of America, ITS AFFILIATES NOR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS MAKES ANY WARRANTIES OR GUARANTEES WITH RESPECT TO THE SITES, INCLUDING WITHOUT LIMITATION, WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT, OR WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, TITLE OR FITNESS FOR A PARTICULAR PURPOSE. Bank of America, ITS AFFILIATES AND SUCH PERSONS SHALL NOT BE LIABLE TO YOU FOR ANY LOSS, COST, DAMAGE OR OTHER INJURY, WHETHER IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE, ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY (I) CLIENT'S USE OF OR RELIANCE ON THE SITES, OR (II) Bank of America’s PERFORMANCE OF ITS OBLIGATIONS UNDER OR IN CONNECTION WITH THESE TERMS AND CONDITIONS. Bank of America DOES NOT REPRESENT, WARRANT OR GUARANTEE THAT THE SITES WILL BE FREE FROM ERRORS OR WILL BE AVAILABLE. FURTHERMORE, Bank of America WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SITES, OR FOR THE INCOMPATIBILITY BETWEEN THE SITES AND FILES AND THE USER'S BROWSER OR OTHER SITES ACCESSING PROGRAM. NOR WILL Bank of America BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND THE Bank of America’s CONTROL. IN NO EVENT WILL Bank of America, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY PUNITIVE, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

Because some states or jurisdictions do not allow the exclusion or limitation of liability for certain damages, in such states or jurisdictions, the liability of the Bank of America, its officers, directors, employees, agents, contractors or other suppliers shall be limited in accordance with this agreement to the extent permitted by law.

Neither Bank of America, its Affiliates nor any of their officers, directors, employees, agents, contractors or other suppliers shall be liable in any way, and you agree to indemnify and hold harmless Bank of America, its Affiliates and such persons for (1) any inaccuracy, error, or delay in, or omission of (a) any information on the Sites, or (b) the transmission or delivery of any information on the Sites; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of use of the Sites due either to any negligent act or omission by Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers or to any "force majeure" (i.e., flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the control of the Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers. You understand that Bank of America accepts no responsibility for security of information on the Internet.

UK CONDITIONS

Banc of America Securities Limited has approved the Sites for the purpose of Section 57 of the Financial Services Act of 1986. Banc of America Securities Limited is regulated for the conduct of investment business in the United Kingdom by the Securities and Futures Authority Limited. No access to the Sites shall be given in the United Kingdom to Private Customers, as that term is defined under the rules of The Securities and Futures Authority Limited; and any investments will not be made by us to any Private Customer.

CHANGES TO AGREEMENT

Bank of America may make changes to this Agreement at any time, without prior notice to you. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. You should view these Terms and Conditions often to stay informed of changes that may affect you.

GOVERNING LAW

This Agreement shall be governed by and construed under the law of the State of New York and the Federal law of the United States. You hereby consent and submit to jurisdiction in the Federal or state courts of the State of New York, U.S.A. You hereby irrevocably waive your rights to a jury trial.

THIRD-PARTY LICENSORS

The Sites may, from time to time, provide Client with various licensed programs ("Licensed Programs") from third-party vendors ("Vendors") which have been licensed by Bank of America for Client use and/or which require Client to sign a third-party license agreement ("License Agreement"). In using the Licensed Programs, Client agrees that it will

  • protect any confidential information of Bank of America, its Affiliates or Vendors contained in the Licensed Programs;
  • restrict the use of the Licensed Programs by Client solely to conditions agreed upon in the Agreement and the License Agreement;
  • restrict the copying of Licensed Programs to that number reasonably required for Client use and backup purposes
  • include Bank of America and Vendor copyright and all other proprietary notices in the use of all Licensed Programs;
  • prohibit the sale, relicensing, leasing, rental, lending and transferring of Licensed Programs;
  • prohibit, and take reasonable measures to prevent, the decompiling, disassembly, reverse engineering or modification of Licensed Programs;
  • comply with all export laws in respect of Licensed programs;
  • disclaim any liability on the part of Vendors for damages, liabilities, costs or expenses incurred by Client in the use of License Programs; and
  • make all vendors a third-party beneficiary of all Client waivers, disclaimers, limitation of liabilities, confidentiality and IP provisions contained in the Agreement.

BOFA SECURITIES, INC. – FURTHER INFORMATION

"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., all of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp are registered as futures commission merchants with the CFTC and are members of the NFA. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.

© 2021 Bank of America Corporation.

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