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Terms of Use

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 strive to provide you with high quality products and on-line 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.


For the purposes of these Terms & Conditions,
- "Web Site" means www.bocomtrust.com.hk;
- "Company" means "Bank of Communications Trustee Limited".


1.     The liability for loss to customer

Customers will be 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 on-line services or knowingly allow the use by others of any of their password.


2.     Use of Information and Materials

The information contained in the Web Site is not intended to provide professional advice and should not be relied upon in that regard. You are advised to obtain appropriate professional advice where necessary.


3.     Change of information or services

The Company may at our absolute discretion at any time 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 services or products. Any dated information is published as on its date only and the Company do not undertake to update any such information.


4.     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, the Company do not guarantee or warrant the accuracy of such information and expressly disclaim all liability on their 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 the Company has 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 decisions.


5.     Offer and acceptance

All materials published on this Web Site in relation to the provision of general mentioned products or services 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 the Company subject to and incorporating the terms and conditions relating to the relevant services or products set out in this Web Site or contained in the relevant policy conditions and the Company shall have absolute discretion to accept or refuse your offer. In addition, the Company may deny your access to this Web Site or use of the services or products herein at any time without prior notice or any obligation to provide you with a reason.


6.     Links to other sites

The Company is not responsible for the contents available on or the set-up of any other web sites linked to this web 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. The Company accepts 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.


7.     Internet Communications

Internet communications are not entirely secure nor confidential. The Company does not warrant that all messages, documents or instructions 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. The Company will not be responsible for any loss or damage incurred by you if you send a message or instructions to us, or while the Company will take reasonable security measures to protect our communications if they send a message to you at your request, over the Internet.


8.     Copyright, Trade Marks

The Company and other parties own the trade marks, logos and service marks displayed on the Web Site and you are prohibited from using the same without written permission of the Company or such other parties.


The materials on the Web Site are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Company's prior written consent.


9.     Information about you

If you would like to know more about our practices in relation to the handling of information which the Company may obtain from you, please refer to Privacy Policy.


10.     Jurisdictions

The Company maintains and operates this Web Site in The Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong") and this site is intended for any person other than residents of the European Union, European Economic Area, United Kingdom and Switzerland who access it from within Hong Kong only. The distribution or use of the information contained or services or products provided herein may be prohibited or restricted in other jurisdictions. Your usage of 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 their 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.