Disclaimer

Disclaimer

	For the purposes of this Disclaimer, "Web Site" means www.cncbinternational.com or any other web sites of China CITIC Bank International Limited; "Bank" means China CITIC Bank International Limited; and "Visitor" means any person accessing the Web Site.
	Use of Information and Materials onthe Web Site
	The products and services offered in the Web Site are only offered in jurisdictions where and when they may be lawfully offered by the Bank and the material on the Web Site is not intended for use by the Visitor located in or resident in jurisdictions which restrict the distribution of such material by the Bank. The Visitor is required to observe any relevant restrictions. Nothing in the Web Site shall be regarded as an offer or solicitation to sell investments or make deposits in any jurisdiction in which such offer or solicitation is unlawful or in which any person making such offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make such offer or solicitation. Opinions expressed in any articles, reports or recommendations in the Web Site reflect the personal views of the writer(s) about the subject matter and do not necessarily represent the views of the Bank. The information contained in the Web Site is not intended to provide professional advice and should not be relied upon in that regard. The Visitor is advised to obtain appropriate professional advice where necessary. Any information, products or services supplied in the Web Site may be withdrawn or amended at any time without advance notice at the Bank's discretion. Anyone's eligibility for particular information, products and services is subject to the Bank's final determination and absolute discretion. By using or accessing the Web Site and any of its pages, Visitor expressly agrees to the terms set out in this Disclaimer which may be amended from time to time. The Visitor's continued use of the Web Site following the posting of any changes to this Disclaimer signifies Visitor’s acceptance of those changes.
	Links to Other Sites
	Use of hyperlinks to other internet sites or resources are at the Visitor's own risk. The contents, accuracy, opinions expressed, and other links provided at these sites are not investigated, verified, monitored, or endorsed by the Bank. The Bank expressly disclaims any responsibility for the accuracy, contents, availability or omission of information found on sites that link to or from the Web Site. It remains the Visitor's sole responsibility to make all enquiries and investigation before proceeding with any online or offline access or transaction with any of these third parties. The Bank emphasises that all activities conducted via or at the Web Site are at the Visitor's own risk. The Bank does not warrant the security of any information the Visitor may forward or be requested to provide to any third party. The Visitor is deemed to have irrevocably waived any claims against the Bank for any loss or damage suffered as a result of any access to or interaction with any other web sites via the Web Site.
	Copyright, Trade Marks
	The Bank and other parties own the trade marks, logos and service marks displayed on the Web Site and the Visitor is prohibited from using the same without written permission of the Bank or such other parties. The materials posted or available on the Web Site may contain proprietary information and are protected by applicable intellectual property rights. No part of any 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 Bank's or the proprietor’s prior written consent.
	No Warranties
	While every care has been taken in preparing the information and materials contained in the 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, completeness, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials. It is the Visitor's sole responsibility to prevent, safeguard and ensure that no computer virus enters the Visitor's system and the Web Site.
	Internet Communications
	Messages sent over the Internet cannot be guaranteed to be completely secure. The Visitor shall bear the risk of any delay, loss, diversion, alteration or corruption of any message either sent to or received from or via the Web Site. The Bank will not be responsible for any damages incurred. The Bank is not responsible in any manner for any direct, indirect, special, incidental, punitive or consequential damages arising out of the use of the Web Site. Communications over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic or incorrect data transmission due to the public nature of the Internet or otherwise.
	Use and Disclosure of Information
	Unless restricted by applicable law, the Visitor agrees that any and all information/data relating to the Visitor collected by the Bank from the Web Site from time to time may be used and disclosed for such purposes and to such persons as may be in accordance with the Bank's current Notice To Customers Relating To The Data of Customers as may be amended from time to time.
	Risk disclosure statement
	The information does not constitute a recommendation, an offer or solicitation for the purchase or sale of any investment products. Investment involves certain level of risk. Customers should carefully consider whether any investment products or services are appropriate for themselves in view of their investment experience, objectives, financial resources and relevant circumstances. The market price of respective investment product may fluctuate due to change in market condition from time to time.
	Product information
	Specific information on individual investment product is subject to respective offering documents. Please note the minimum, incremental investment amount and fee charges may vary from product to product and from time to time. Conditions may apply to specific products. Customers should refer to individual product offering document for clarification and further information. Insurance information is intended as a general summary. Customers should refer to the policy provisions for exact terms and conditions and details of the exclusions. Specific information on individual products is subject to the terms and conditions of the Bank, which may change from time to time. The Bank does not sell, market, promote or endorse, directly or indirectly through agents or otherwise, any investments (including funds, unit trusts, participations, deposits or any other type of investment product or scheme) outside Hong Kong, Macau, China and New York and Los Angeles in the USA where it has physical branch presence and all liability for any such investment is hereby disclaimed. You are advised to promptly contact the Bank should you have any question on the authenticity of any investment product or scheme that purports to be associated with the Bank. In the event of any inconsistency between the Chinese version and English version of this Disclaimer, the English version shall prevail.

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