LAATST BIJGEWERKT: 1 NOVEMBER 2020

 

Bank of America commerciële kaart privacykennisgeving

In deze privacykennisgeving wordt uitgelegd hoe Bank of America Europe DAC online en offline persoonsgegevens verzamelt, gebruikt en openbaar maakt in verband met het aanbieden van commerciële kaarten, commerciële betalingen en rapportagediensten die we leveren aan onze zakelijke en institutionele klanten (‘diensten’). In deze kennisgeving verwijzen we naar ‘u’ voor de personen wiens persoonsgegevens we verwerken, zoals kaarthouders, reizigers en personen die voor onze klanten werken.

 

Persoonsgegevens

Persoonsgegevens’ is informatie die een persoon identificeert of betrekking heeft op een identificeerbaar persoon, waaronder:

  • Naam
  • Postadres
  • Telefoonnummer
  • E-mailadres en andere identificerende adressen voor elektronische communicatie
  • Geboortedatum
  • Gegevens van paspoorten en andere door de overheid of door de staat uitgegeven vormen van persoonlijke identificatie (waaronder burgerservicenummer, rijbewijs, nationale verzekering en andere identificerende nummers)
  • Aanhef
  • Meisjesnaam van de moeder of andere beveiligingsvragen en antwoorden voor authenticatiedoeleinden
  • Bankrekeninggegevens
  • Identificatienummer werknemer
  • Identificatienummer van een apparaat
  • Telefoon- of elektronische opnames
  • IP-adres
  • Identiteit van handelaren aan wie commerciële kaarten worden aangeboden voor betaling voor goederen en diensten
  • Datum en bedrag van aankopen

We moeten de nodige persoonsgegevens verzamelen en verwerken om de gevraagde diensten te leveren, of omdat we wettelijk verplicht zijn om dit te doen. Als we de door ons gevraagde informatie niet ontvangen, kunnen we mogelijk niet de gevraagde diensten leveren.

 

Verzameling van persoonsgegevens

Wij en onze tussenpersonen, gelieerde ondernemingen en dienstverleners kunnen persoonsgegevens op verschillende manieren verzamelen, waaronder:

  • Via de diensten: We kunnen persoonsgegevens verzamelen via de diensten.
  • Anders dan via de diensten: We kunnen persoonsgegevens over u verzamelen anders dan via de diensten, zoals wanneer u deelneemt aan een transactie of contractuele overeenkomst.
  • Via overige bronnen: We kunnen persoonsgegevens ontvangen van overige bronnen, zoals van uw werkgever, van de entiteit waar we de diensten aan leveren en van overige derde partijen.

 

Gebruik van persoonsgegevens: Wij en onze serviceproviders kunnen persoonsgegevens gebruiken voor onze legitieme zakelijke belangen, waaronder de volgende:

  • om uw kaart of het kaartprogramma van onze klant te beheren en diensten aan u of onze klant te leveren;
  • om transacties te faciliteren;
  • om te voldoen aan de regels van elk relevant kaartschema;
  • om te reageren op vragen en het vervullen van verzoeken van onze klanten, hun account(s) te beheren en onze relaties te beheren;
  • om de identiteit en/of locatie van een persoon (of de identiteit of locatie van uw vertegenwoordiger of tussenpersoon) te verifiëren om toegang tot klantaccounts toe te staan of online transacties uit te voeren;
  • om de beveiliging van accounts en persoonsgegevens te beschermen;
  • voor zakelijke doeleinden, waaronder data-analyse, audits, ontwikkelen en verbeteren van producten en diensten, het identificeren van gebruikstrends en het bepalen van de effectiviteit van promotiecampagnes, en het versterken, verbeteren of wijzigen van onze diensten;
  • voor risicobeheer, voor detectie en preventie van fraude, waaronder uw klant kennen, witwassen van geld, vereisten voor gedegen onderzoek, naleving van sanctieregels, toezicht op fraude en belastingaangifte;
  • om te voldoen aan wet- en regelgeving (waaronder wettelijke of regelgevende richtlijnen, codes of standpunten) en om te voldoen aan overige vereisten voor juridische procedures en wetshandhaving; en
  • om administratieve informatie naar klanten te sturen, zoals wijzigingen in onze bepalingen, voorwaarden en beleidslijnen.

Houd er rekening mee dat persoonsgegevens die we verzamelen om te voldoen aan onze wettelijke en regelgevende verplichtingen met betrekking tot het voorkomen van het witwassen van geld en financiering van terrorisme, alleen voor die doeleinden worden verwerkt, tenzij anders is toegestaan of overeengekomen.

We zullen uw persoonsgegevens niet gebruiken om beslissingen te nemen die uitsluitend zijn gebaseerd op geautomatiseerde verwerking (inclusief profilering) die juridische of vergelijkbare aanzienlijke gevolgen hebben voor personen.

 

 

Openbaarmaking van persoonsgegevens

Persoonsgegevens kunnen openbaar worden gemaakt aan:

  • een persoon of bedrijf die voor ons werkt (waaronder professionele serviceorganisaties zoals juridische dienstverleners, audit- en accountancydiensten, technologie- en gegevensverwerkende bedrijven en IT-hostingproviders);
  • uw werkgever of een groep bedrijven van uw werkgever of onze klant;
  • een persoon of bedrijf dat producten of diensten aan u, uw werkgever of onze klant levert in verband met uw kaart of transactie (waaronder onze verzekeraar, verzekeringsagent, kaartschema, leverancier van diensten met toegevoegde waarde, reisorganisatie);
  • een persoon aan wie we onze rechten of plichten uit hoofde van de overeenkomst die we hebben met uw werkgever of onze klant overdragen of kunnen overdragen;
  • een betalingssysteem waaronder wij uw kaart, kaartprogramma of transactie uitgeven;
  • een instelling, rechtbank, instantie of autoriteit (waaronder wetshandhavingsinstanties en onze regelgevers) aan wie we verplicht zijn om het bij wet bekend te maken, waaronder, maar niet beperkt tot, regelgevende rapportageverplichtingen, antiterrorisme en antiwitwaswetgeving en -regelgeving, en voor de bestrijding van misdaad en terrorisme;
  • een serviceprovider voor accountinformatie of overige derde partij die u, uw werkgever of onze klant toestemming geeft om gegevens die wij in ons bezit hebben te ontvangen of te openen;
  • onze gelieerde ondernemingen voor de doeleinden die worden beschreven in deze privacykennisgeving (een lijst met onze gelieerde ondernemingen is op aanvraag verkrijgbaar); en
  • onze externe dienstverleners die diensten verlenen zoals websitehosting, data-analyse, betalingsverwerking, orderafhandeling, informatietechnologie en gerelateerde infrastructuurvoorzieningen, klantenservice, e-mailbezorging, kaartproductie, afdrukservice, auditing en andere diensten.

Indien u valse of onjuiste informatie hebt verstrekt of als wij een vermoeden hebben van fraude, zullen wij dit vastleggen en deze informatie doorgeven aan instanties voor fraudepreventie en wetshandhaving.

Indien een betaling met betrekking tot het account wordt verwerkt via een wereldwijd betalingssysteem, kan informatie over u worden doorgegeven aan bepaalde autoriteiten (waaronder autoriteiten buiten Ierland) om terrorisme te detecteren en te voorkomen.

 

Overig gebruik en openbaarmaking

We kunnen ook persoonsgegevens gebruiken en openbaar maken als we denken dat dit noodzakelijk of gepast is: (a) om te voldoen aan de toepasselijke wetgeving, waaronder wetten die gelden buiten het land waar u zich bevindt, om te reageren op verzoeken van openbare en overheidsinstanties, waaronder autoriteiten buiten uw land, om samen te werken met wetshandhaving of om andere juridische redenen; (b) om onze algemene voorwaarden te handhaven; en (c) om onze rechten, privacy, veiligheid of eigendom en/of die van onze gelieerde ondernemingen, u of anderen te beschermen.

Bovendien kunnen we persoonsgegevens aan een derde partij bekendmaken of overdragen in geval van reorganisatie, fusie, verkoop, joint venture, toekenning, overdracht of andere vervreemding van alle of een deel van onze bedrijfsactiviteiten, activa of aandelen (inclusief in verband met eventuele faillissementen of soortgelijke procedures).

 

OVERIGE informatie

Overige informatie’ is elke informatie die de specifieke identiteit van een persoon niet onthult of die niet rechtstreeks betrekking heeft op een identificeerbare persoon, zoals:

  • Browserinformatie en informatie over een apparaat
  • Gegevens van app gebruik
  • Informatie verzameld via cookies, pixeltags en andere technologieën
  • Demografische informatie en overige door u verstrekte informatie die de specifieke identiteit van een persoon niet onthult
  • Informatie die is samengevoegd op een manier dat het niet langer de specifieke identiteit van een persoon onthult

Indien we verplicht zijn om overige informatie als persoonsgegevens onder de toepasselijke wetgeving te behandelen, kunnen we deze gebruiken en openbaar maken voor de doeleinden waarvoor we persoonsgegevens gebruiken en openbaar maken, zoals uiteengezet in deze privacykennisgeving.

 

Verzameling van overige informatie

Wij en onze serviceproviders kunnen overige informatie op verschillende manieren verzamelen, waaronder:

  • Via een browser of apparaat: Bepaalde informatie wordt verzameld door de meeste browsers of automatisch via apparaten, zoals een Media Access Control (MAC)-adres, computertype (Windows of Mac), schermresolutie, naam en versie van het besturingssysteem, fabrikant en model van het apparaat, taal, type en versie internetbrowser en de naam en versie van de diensten (zoals de app) die worden gebruikt. We gebruiken deze informatie om ervoor te zorgen dat de diensten naar behoren werken.
  • Het gebruik van cookies: Cookies zijn stukjes informatie die rechtstreeks op de computer die wordt gebruikt worden opgeslagen. Cookies stellen ons in staat om informatie te verzamelen, zoals type browser, besteedde tijd aan de diensten, bezochte pagina’s, taalvoorkeuren en andere anonieme verkeersgegevens. Wij en onze serviceproviders gebruiken de informatie voor beveiligingsdoeleinden, om de navigatie te vergemakkelijken, om informatie effectiever weer te geven en om de gebruikerservaring te personaliseren. We verzamelen ook statistische informatie over het gebruik van de diensten om hun ontwerp en functionaliteit voortdurend te verbeteren, om te begrijpen hoe ze worden gebruikt en het helpt ons bij het oplossen van vragen hierover. We reageren momenteel niet op de niet-volgen signalen van de browser.
  • De meeste browsers bieden personen de mogelijkheid om cookies automatisch weigeren of bieden de keuze om een bepaalde cookie (of cookies) van een bepaalde website te weigeren of te accepteren. Ga naar http://www.allaboutcookies.org/manage-cookies/index.html voor meer informatie. Door het weigeren van cookies kunnen bepaalde delen van de diensten mogelijk niet meer werken.
  • Het gebruik van pixeltags en overige vergelijkbare technologieën: Pixeltags (ook bekend als webbakens en clear GIF’s) kunnen worden gebruikt om, onder andere, de acties van gebruikers van de diensten (inclusief e-mailontvangers) bij te houden, het succes van onze marketingcampagnes te meten en statistieken te verzamelen over het gebruik van de diensten en responspercentages.
  • Analyses: We kunnen Google Analytics gebruiken, dat cookies en soortgelijke technologieën gebruikt om informatie over het gebruik van de diensten te verzamelen en analyseren en om activiteiten en trends te rapporteren. Deze service kan ook informatie verzamelen over het gebruik van overige websites, apps en online bronnen. U kunt meer te weten komen over de werkwijzen van Google door naar www.google.com/policies/privacy/partners te gaan. We kunnen Flash LSO’s en andere technologieën gebruiken om, onder andere, informatie over uw gebruik van de diensten te verzamelen en op te slaan. Als u niet wilt dat Flash LSO’s op uw computer worden opgeslagen, kunt u de instellingen van uw Flash Player aanpassen om Flash LSO-opslag te blokkeren met behulp van de tools in het Instellingenpaneel voor website-opslag (Website Storage
    Settings Panel), dat u kunt vinden door naar http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html te gaan. U kunt ook naar het Algemene instellingenpaneel voor opslag
    (Global Storage Settings Panel) gaan op http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager03.html en de instructies volgen (die bijvoorbeeld kunnen uitleggen hoe u bestaande Flash LSO’s verwijderd [ook wel ‘informatie’ genoemd], hoe u kunt voorkomen dat Flash LSO’s op uw computer worden geplaatst zonder dat u daarom wordt gevraagd, en hoe u Flash LSO’s kunt blokkeren die niet worden afgeleverd door de beheerder van de pagina waarop u zich op dat moment bevindt). Houd er rekening mee dat het instellen van Flash Player om de acceptatie van Flash LOS’en te beperken of te limiteren de functionaliteit van sommige Flash-toepassingen kan verminderen of verhinderen.
  • IP-adres: Het IP-adres wordt door een internetprovider automatisch aan een computer toegewezen. Een IP-adres kan worden geïdentificeerd en automatisch vastgelegd in de logbestanden op onze server wanneer een gebruiker toegang krijgt tot de diensten, samen met het tijdstip van het bezoek en de pagina(‘s) die is (zijn) bezocht. Het verzamelen van IP-adressen is standaard en gebeurt automatisch door veel websites, applicaties en andere diensten. We gebruiken IP-adressen voor doeleinden zoals het berekenen van gebruiksniveaus, een diagnose te stellen van serverproblemen en het beheren van de diensten. We kunnen ook de geschatte locatie afleiden van het IP-adres.

 

Gebruik en openbaarmaking van overige informatie

We kunnen overige informatie voor elk doel gebruiken en openbaar maken, behalve wanneer we anders verplicht zijn volgens de toepasselijke wetgeving. In sommige gevallen kunnen we overige informatie combineren met persoonsgegevens. Indien we dat doen, zullen we de gecombineerde informatie behandelen als persoonsgegevens zolang deze is gecombineerd.

 

DIENSTEN VAN DERDE PARTIJEN

Deze privacykennisgeving is niet van toepassing op, en wij zijn niet verantwoordelijk voor, de privacy, informatie of andere praktijken van derde partijen, inclusief eventuele derde partijen die een website of dienst exploiteren waarnaar de diensten verwijzen. Het opnemen van een link in de diensten impliceert geen goedkeuring van de gekoppelde website of dienst door ons of door onze gelieerde ondernemingen.

 

veiligheid

We proberen redelijke organisatorische, technische en administratieve maatregelen te treffen om persoonsgegevens binnen onze organisatie te beschermen. Helaas kan geen enkel systeem voor gegevensoverdracht of opslag garanderen 100% veilig te zijn. Als u reden hebt om aan te nemen dat uw interactie met ons niet langer veilig is, dient u ons onmiddellijk op de hoogte te stellen in overeenstemming met het onderstaande gedeelte ‘Contact met ons opnemen’.

 

Hoe personen toegang tot hun persoonsgegevens kunnen krijgen, deze kunnen wijzigen of censureren

Indien u wilt verzoeken om het controleren, corrigeren, bijwerken, censureren, beperken of verwijderen van persoonsgegevens die u eerder aan ons hebt verstrekt, of als u een verzoek wilt indienen om een elektronische kopie van uw persoonsgegevens te ontvangen met het doel deze door te sturen naar een ander bedrijf (voor zover dit recht op dataportabiliteit aan u wordt verleend door de toepasselijke wetgeving), kunt u telefonisch contact met ons opnemen op 00800 0456 7890. We zullen op uw verzoek reageren in overeenstemming met de toepasselijke wetgeving.

Geef in uw verzoek duidelijk aan welke persoonsgegevens u wilt laten wijzigen, of u de persoonsgegevens in onze database wilt laten censureren of laat ons op een andere manier weten welke beperkingen u zou willen aanbrengen in ons gebruik van de persoonsgegevens. Ter bescherming van u kunnen we alleen verzoeken uitvoeren met betrekking tot de persoonsgegevens die zijn gekoppeld aan het specifieke e-mailadres dat u gebruikt om ons uw verzoek te verzenden. Het kan noodzakelijk zijn dat we uw identiteit moeten verifiëren voordat we uw verzoek uitvoeren. We zullen proberen aan uw verzoek te voldoen zodra dit redelijkerwijs mogelijk is.

Houd er rekening mee dat we bepaalde gegevens mogelijk moeten bewaren voor archiverings- en/of regelgevingsdoeleinden en/of om alle transacties te voltooien die u bent begonnen voorafgaand aan het aanvragen van een wijziging of verwijdering. Er kan ook resterende informatie zijn die in onze databases en andere records achterblijft, die niet zal worden verwijderd. Mogelijk kunnen we de diensten niet langer aan u leveren als u een verwijdering aanvraagt.

 

BEWAARTERMIJN

We bewaren persoonsgegevens zo lang als nodig of toegestaan is in het licht van het doel (de doelen) waarvoor deze is verkregen. De criteria die worden gebruikt om onze bewaartermijnen te bepalen, zijn onder andere: (i) de tijd dat we een lopende relatie hebben met onze klant en de diensten leveren; (ii) of er een wettelijke verplichting is waaraan wij zijn onderworpen; of (iii) of bewaring wenselijk is in het licht van onze rechtspositie (zoals met betrekking tot toepasselijke statuten van beperkingen, rechtszaken of onderzoeken door regelgevende instanties).

 

gebruik van de diensten door MINDERJARIGEN

De diensten zijn niet gericht op personen onder de leeftijd van achttien (18), en we verzamelen niet bewust persoonsgegevens van personen jonger dan 18 jaar.

 

Jurisdictie en GRENSOVERSCHRIJDENDE OVERDRACHT

Persoonsgegevens kunnen worden opgeslagen en verwerkt in elk land waar we faciliteiten hebben of waarbij we serviceproviders inschakelen, waaronder de Verenigde Staten. In bepaalde omstandigheden hebben rechtbanken, wetshandhavingsinstanties, regelgevende instanties of beveiligingsinstanties in die andere landen mogelijk recht op toegang tot persoonsgegevens.

Als u zich in de Europese Economische Ruimte (EER) bevindt: Sommige niet-EER landen worden door de Europese Commissie erkend als landen die een adequaat gegevensbeschermingsniveau bieden volgens de EER-normen (de volledige lijst van deze landen is hier beschikbaar: https://ec.europa.eu/info/law/law-topic/data-protection_en. Voor overdrachten van de EER naar landen die door de Europese Commissie niet als adequaat worden beschouwd, hebben we passende maatregelen getroffen, zoals modelcontractbepalingen die door de Europese Commissie zijn aangenomen om uw persoonsgegevens te beschermen. U kunt een kopie van deze maatregelen verkrijgen door deze link te volgen: https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/model-contracts-transfer-personal-data-third-countries_en.

 

GEVOELIGE INFORMATIE

We verzamelen doorgaans geen gevoelige persoonsgegevens in verband met de diensten. Stuur ons geen gevoelige persoonsgegevens (bijvoorbeeld informatie met betrekking tot raciale of etnische afkomst, politieke opvattingen, religie of andere overtuigingen, gezondheid, biometrie of genetische kenmerken, criminele achtergrond of vakbondslidmaatschap) via de diensten of op een andere manier.

 

UPDATES VAN DEZE PRIVACYKENNISGEVING

We kunnen deze privacykennisgeving van tijd tot tijd wijzigen. De legenda ‘Laatst bijgewerkt’ bovenaan deze privacykennisgeving geeft aan wanneer deze privacykennisgeving voor het laatst is herzien. Alle wijzigingen worden van kracht wanneer we de herziene privacykennisgeving op de diensten plaatsen. Het gebruik van de diensten na deze wijzigingen (of uw voortdurende verstrekking van persoonsgegevens aan ons) betekent dat u de herziene privacykennisgeving accepteert.

 

CONTACT MET ONS OPNEMEN

Als u vragen heeft over deze privacykennisgeving, kunt u contact met ons opnemen op 00800 0456 7890; of

Bank of America Commercial Card, Amadeo Financial Center, Chester Business Park, Chester, CH4 9FE, Verenigd Koninkrijk.

Bank of America Europe DAC, Two Park Place, Hatch Street, Dublin 2, Ierland. Geregistreerd in Ierland (nummer 229165). Btw-nummer IE 8229165F. Vestigingsplaats: Two Park Place, Hatch Street, Dublin 2, Ierland is het bedrijf dat verantwoordelijk is voor het verzamelen, gebruiken en openbaar maken van uw persoonsgegevens onder deze privacykennisgeving.

 

AANVULLENDE INFORMATIE VOOR DE EER

Personen in de EER kunnen ook:

  • contact met ons opnemen op 00800 0456 7890 met vragen over deze privacykennisgeving; of
  • een klacht indienen bij een toezichthoudende autoriteit die bevoegd is voor uw land of regio; of
  • neem contact op met onze EU Data Protection Officer via BOFA.EUDPO@bofa.com

Overeenkomstig het Franse recht hebben personen het recht om richtlijnen vast te stellen met betrekking tot het bewaren, wissen en vrijgeven van persoonsgegevens na hun overlijden. Dergelijk recht kan worden uitgeoefend door contact met ons op te nemen zoals uiteengezet in het gedeelte ‘Contact met ons opnemen’.

 

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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.

©2020 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 5,276,300,000 €.

©2020 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.

© 2020 Bank of America Corporation.

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