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DERNIÈRE MISE À JOUR : 22 mars 2018

 

Avis de confidentialité concernant la carte commerciale BAML

Le présent Avis de confidentialité explique comment les entités de Bank of America Merrill Lynch collectent, utilisent et divulguent les données personnelles en ligne et hors ligne dans le cadre des cartes commerciales, des paiements commerciaux et des services de production de rapports que nous fournissons à nos clients d'entreprise et institutionnels (« Services »).  Dans le présent Avis, « vous » désigne les individus dont nous traitons les Données personnelles, comme les titulaires de cartes, les voyageurs et toutes les personnes travaillant pour nos clients.


Données personnelles

« Données personnelles » désignent les informations qui identifient un individu ou concernent un individu pouvant être identifié, notamment :  

  • Nom
  • Adresse postale
  • Numéro de téléphone
  • Adresse électronique
  • Date de naissance
  • Détails du passeport et autres documents d'identification personnelle émis par le gouvernement ou un état (y compris les numéros de sécurité sociale et de permis de conduire, ou tous autres numéros d'identification)
  • Titre
  • Nom de jeune fille de la mère
  • Coordonnées bancaires
  • Identifiant d'employé
  • Identifiant d'appareil
  • Enregistrements téléphoniques ou électroniques
  • Adresse IP

Nous pouvons avoir besoin de collecter et de traiter des Données personnelles afin de fournir les Services demandés ou parce que la loi nous y oblige. Si nous ne recevons pas ces informations, nous ne serons pas en mesure de fournir les Services demandés.

 

Collecte des Données personnelles

Nous et nos agents, sociétés affiliées et prestataires de service pouvons collecter des Données personnelles de différentes manières, notamment :

  • Via les Services :  Nous pouvons collecter des Données personnelles via les Services.
  • Hors ligne :  Nous pouvons collecter des Données personnelles auprès de vous hors ligne, notamment lorsque vous participez à une transaction ou à un accord contractuel
  • À partir d'autres sources :  Nous pouvons recevoir des Données personnelles à partir d'autres sources, comme auprès de votre employeur, de l'entité à laquelle nous fournissons les Services et d'autres tiers.

 

Utilisation des Données personnelles Nous et nos prestataires de services pouvons utiliser les Données personnelles dans nos intérêts professionnels légitimes, y compris pour :

  • administrer votre carte ou le programme de la carte de notre client, et vous fournir des services ou en fournir à notre client ;
  • faciliter des transactions ;
  • respecter les règles concernant tout système de carte approprié ; répondre aux enquêtes et satisfaire les demandes de nos clients, administrer leur(s) compte(s) et gérer nos relations ;
  • vérifier l'identité et/ou la situation géographique (ou l'identité ou la situation géographique de votre représentant ou agent) afin de permettre l'accès aux comptes du client ou d'effectuer des transactions en ligne ;
  • protéger la sécurité des comptes et des informations personnelles ;
  • nos besoins commerciaux tels que l’analyse des données, les audits, l’élaboration et l’amélioration de nouveaux produits et services, l’identification des tendances d’utilisation, l’évaluation de l’efficacité de nos campagnes promotionnelles, et l'optimisation, l'amélioration ou la modification de nos Services ;
  • la gestion des risques, la détection et la prévention de la fraude, y compris les procédures d'identification des clients, la lutte contre le blanchiment des capitaux, les exigences de contrôles préalables, la conformité aux règles de sanction, à la surveillance de la fraude et aux déclarations d'impôts et taxes ;
  • respecter les lois et réglementations (y compris tous les guides, codes ou avis juridiques ou réglementaires) et respecter toutes autres exigences relatives aux processus juridiques et à l'application de la loi ; et
  • envoyer des informations administratives aux clients, tels que des modifications de nos termes, conditions et politiques.

 

Divulgation des Données personnelles

Les Données personnelles peuvent être divulguées à :

  • toute personne ou société travaillant pour nous (y compris des organisations de service professionnelles, comme des prestataires de services juridiques, d'audit et comptables, des sociétés de technologie et de traitement de données ainsi que des fournisseurs d'hébergement informatique) ;
  • votre employeur ou tout groupe de société de votre employeur, ou notre client ;
  • toute personne ou société qui fournit des produits ou services à vous, votre employeur ou notre client en lien avec votre carte ou transaction (y compris notre assureur, courtier en assurance, système de carte, prestataire de services à valeur ajoutée, agence de voyages d’affaires) ;
  • toute personne à qui nous transférons ou pouvons transférer l'un de nos droits ou devoirs en vertu de l'accord que nous avons conclu avec votre employeur ou notre client ;
  • tout système de paiement via lequel nous avons émis votre carte, programme de carte ou transaction ;
  • toute institution, tout tribunal, agence ou autorité (y compris les autorités chargées de l'application des lois) à qui nous devons les divulguer afin de respecter la loi, y compris, mais sans s'y limiter, les lois et réglementations en matière de lutte contre le blanchiment des capitaux et le terrorisme, ainsi que pour lutter contre la délinquance et le terrorisme ;
  • tout prestataire de service d'informations comptables ou tout autre tiers que vous, votre employeur ou notre client autorise à recevoir des données en notre possession ou à y accéder ; 
  • nos sociétés affiliées pour les fins décrites dans le présent Avis de confidentialité (une liste de nos sociétés affiliées est disponible sur demande) ; et
  • nos prestataires de service tiers qui fournissent des services tels que l'hébergement de site web, l'analyse de données, le traitement de données, l'exécution des commandes, la mise en place d'une infrastructure informatique ou relative, le service à la clientèle, des services de livraison du courrier électronique, de production de carte, d'impression, d'audit et autres.

Si vous avez fourni des informations fausses ou inexactes, ou si nous suspectons une fraude, nous devrons le signaler et transmettre ces informations aux organismes chargés de la prévention de la fraude et de l'application des lois.

Si un paiement lié au compte est traité via un système de paiement international, les informations vous concernant pourront être transmises à certaines autorités (y compris les autorités en dehors du Royaume-Uni) afin de détecter et de prévenir toute activité terroriste.

 

Autres utilisations et divulgations

Nous pouvons également utiliser et divulguer des Données personnelles dans la mesure où nous estimons cela nécessaire ou approprié : (a) pour respecter les lois en vigueur, ce qui peut inclure des lois en dehors du pays dans lequel vous vous trouvez, pour répondre aux demandes des autorités publiques et gouvernementales, ce qui peut inclure les autorités en dehors de votre pays, pour coopérer à la mise en application de la loi ou pour toutes autres raisons juridiques ; (b) pour appliquer nos conditions générales ; et (c) pour protéger nos droits, notre confidentialité, sécurité ou propriété, et/ou les vôtres, ceux de nos sociétés affiliées ou d'autres.

De plus, nous pouvons utiliser, divulguer ou transférer les Données personnelles à un tiers dans le cas d'une réorganisation, une fusion, une vente, un joint venture, une cession, un transfert ou toute autre disposition de tout ou partie des activités, actifs ou titres (y compris en lien avec une faillite ou une procédure semblable).


AUTRES informations

« Autres informations » correspond à toute information qui ne dévoile pas l'identité d'une personne en particulier ni ne concerne un individu pouvant être identifié, comme :

  • Informations sur le navigateur et l'appareil
  • Données d'utilisation de l'application
  • Informations collectées avec les cookies, les pixels espions et toutes autres technologies
  • Informations démographiques et autres informations que vous nous fournissez et qui ne dévoilent pas l'identité d'une personne en particulier
  • Informations qui ont été agrégées de telle sorte qu'elles ne dévoilent plus l'identité d'une personne en particulier

Si nous devons traiter les Autres informations de la même manière que les Données personnelles en vertu de la loi en vigueur, nous pouvons alors les utiliser et les divulguer aux fins pour lesquelles nous utilisons et divulguons les Données personnelles comme décrit dans le présent Avis de confidentialité.

 

Collecte d'Autres informations

Nous et nos prestataires pouvons collecter d’Autres informations de différentes façons, notamment :  

  • Par l’intermédiaire d'un navigateur ou appareil :  Certaines informations sont collectées par la plupart des navigateurs ou automatiquement par les appareils, notamment l'adresse Media Access Control (MAC), le type d’ordinateur (Windows ou Mac), la résolution d’écran, la version et le nom du système d’exploitation, le fabricant et le modèle de l'appareil, la langue, le type de navigateur Internet et sa version ainsi que le nom et la version des Services (comme l'application) utilisés.  Nous utilisons ces informations pour garantir le fonctionnement adéquat des Services.  
  • Utilisation des cookies :  Les cookies sont des informations enregistrées directement sur l’ordinateur utilisé.  Les cookies nous permettent de collecter des informations telles que le type de navigateur, le temps passé sur les Services, les pages visitées, les préférences linguistiques et d'autres données anonymes sur le trafic.  Nous et nos prestataires utilisons les informations pour des raisons de sécurité, pour faciliter la navigation, pour afficher plus efficacement les informations et pour personnaliser l'expérience utilisateur.  Nous rassemblons également des informations statistiques sur l'utilisation des Services afin d'améliorer en permanence leur conception et fonctionnalité, de comprendre leur utilisation et comme support pour résoudre toutes questions à leur sujet.  Nous ne répondons actuellement pas aux signaux de refus de suivi des navigateurs.
  • La plupart des navigateurs permettent aux individus de refuser automatiquement les cookies ou leur permettent de refuser ou d'accepter un cookie (ou des cookies) en particulier d'un site web spécifique. Veuillez consulter http://www.allaboutcookies.org/manage-cookies/index.html pour plus d'informations.  Le refus des cookies peut empêcher le bon fonctionnement d'une partie des Services.
  • Utilisation des pixels espions et d'autres technologies similaires :  Les pixels espions (aussi appelés balises Web et GIF invisibles) peuvent être utilisés pour, entre autres choses, suivre les actions des utilisateurs des Services (y compris les destinataires de courrier électronique), mesurer la réussite de nos campagnes marketing et compiler les statistiques relatives à l'utilisation des Services et les taux de réponse.
  • Analyses : Nous utilisons Google Analytics qui se sert de cookies et de technologies similaires pour collecter et analyser des informations sur l'utilisation des Services et créer des rapports sur les activités et tendances.  Ce service peut également collecter des informations concernant l'utilisation d'autres sites web, applications et ressources en ligne. Vous pouvez en apprendre plus sur les pratiques de Google sur www.google.com/policies/privacy/ partners/__ et les refuser en téléchargeant un module complémentaire de désactivation de Google Analytics pour navigateur, disponible sur https://tools.google.com/dlpage/gaoptout.
  • Adresse IP :  L'adresse IP est automatiquement attribuée à un ordinateur par un fournisseur d’accès à Internet.  Une Adresse IP peut être identifiée et conservée automatiquement dans les fichiers historiques de notre serveur chaque fois qu’un utilisateur accède aux Services, en même temps que l’heure de la visite et la ou les pages qui ont été visitées.  La collecte des adresses IP est une pratique standard et se fait automatiquement sur de nombreux sites web, applications et autres services.  Nous utilisons les adresses IP pour, entre autres, le calcul des niveaux d'utilisation, le diagnostic des problèmes de serveur et l'administration des Services.  Nous pouvons également obtenir un emplacement approximatif à partir d'une adresse IP.
  •  

    Utilisations et divulgations d'Autres informations

    Nous pouvons utiliser et divulguer d'Autres informations à toutes fins, sauf lorsque la loi en vigueur nous l'interdit.  Dans certains cas, nous pouvons utiliser les Autres informations en association avec les Données personnelles.  Le cas échéant, nous traiterons les informations combinées comme des Données personnelles, tant qu'elles ne sont pas dissociées.


    SERVICES TIERS

    Le présent Avis de confidentialité ne porte pas sur la confidentialité, les informations ou toutes autres pratiques d'un tiers, y compris tout tiers responsable du fonctionnement d'un site web ou service auquel les Services sont rattachés, et nous n'en sommes pas non plus responsables.  L'intégration d'un lien sur les Services n'implique pas l'accréditation du site ou service en question par nous ou par nos sociétés affiliées.


    Sécurité

    Nous nous efforçons d'utiliser des mesures organisationnelles, techniques et administratives raisonnables pour protéger les Données personnelles au sein de notre organisation.  Malheureusement, la sécurité d'aucune transmission de données ni d'aucun système de stockage ne peut être garantie à 100 %.  Si vous avez des raisons valables de croire que vos interactions avec nous ne sont plus sûres, veuillez immédiatement nous en informer à l'aide de la section « Nous contacter » ci-dessous.

     

    Comment les individus peuvent accéder à, modifier ou supprimer leurs Données personnelles

    Si vous souhaitez effectuer une demande pour réviser, corriger, mettre à jour, supprimer, restreindre ou éliminer des Données personnelles que vous nous avez fournies, ou si vous souhaitez effectuer une demande pour recevoir une copie électronique de vos Données personnelles afin de les transmettre à une autre société (dans la mesure où ce droit à la portabilité des données vous est fourni par la loi en vigueur), vous pouvez nous contacter par téléphone au 00800 0456 7890.  Nous répondrons à votre demande conformément à la loi en vigueur.

     

    Dans votre demande, veuillez indiquer clairement quelles sont les Données personnelles que vous souhaitez modifier, si vous souhaitez que les Données personnelles soient supprimées de notre base de données ou nous préciser quelles sont les limites que vous souhaitez voir appliquées sur notre utilisation des Données personnelles.  Pour votre protection, nous pouvons uniquement répondre aux demandes concernant les Données personnelles associées à l'adresse électronique que vous utilisez pour nous envoyer votre demande, et nous pouvons avoir besoin de vérifier votre identité avant de donner suite à votre demande.  Nous nous efforcerons de donner suite à votre demande dans la limite du réalisable.

     

    Veuillez noter que nous pouvons avoir besoin de conserver certaines informations à des fins réglementaires et/ou de tenue des dossiers et/ou pour réaliser des transactions que vous avez initiées avant d'effectuer la demande de modification ou de suppression.  Des informations résiduelles seront également conservées dans nos bases de données et autres registres ; elles ne pourront pas être supprimées.  Nous ne serons peut-être plus en mesure de vous fournir les Services si vous effectuez une demande de suppression. 


    PÉRIODE DE CONSERVATION

    Nous conserverons les Données personnelles aussi longtemps que cela est nécessaire ou autorisé aux fins pour lesquelles elles ont été obtenues.  Les critères utilisés pour déterminer nos délais de conservation comprennent :  (i) la durée de notre relation continue avec notre client et pendant laquelle nous fournissons les Services ; (ii) si nous sommes soumis à une obligation juridique ; ou (iii) si la conservation est souhaitable, au vu de notre position juridique (tels que les statuts de limitation applicables, les litiges ou les enquêtes réglementaires).


    Utilisation des Services par des MINEURS

    Les Services ne s'adressent pas à des individus âgés de moins de dix-huit (18) ans et nous ne collectons pas sciemment de Données personnelles d'individus âgés de moins de 18 ans. 


    Juridiction et TRANSFERT TRANSFRONTALIER

    Les Données personnelles peuvent être stockées et traitées dans un pays où nous avons des locaux ou dans lequel nous engageons des prestataires de service, y compris les États-Unis.  Dans certaines circonstances, les tribunaux, les organismes chargés de l'application des lois, les agences réglementaires ou les autorités en charge de la sécurité dans ces autres pays auront le droit d'accéder aux Données personnelles.

    Si vous vous trouvez au sein de l'Espace économique européen (EEE) : La Commission européenne a reconnu que certains pays en dehors de l'EEE fournissaient un niveau adéquat de protection des données selon les normes de l'EEE (la liste complète de ces pays est disponible ici https://ec.europa.eu/info/law/law-topic/data-protection_en Pour tout transfert depuis l'EEE à destination de pays que la Commission européenne ne considère pas appropriés, nous avons mis en place des mesures adéquates, telles que des clauses contractuelles standard adoptées par la Commission européenne afin de protéger les Données personnelles. Vous pouvez obtenir une copie de ces mesures en suivant ce lien : https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/model-contracts-transfer-personal-data-third-countries_en  


    INFORMATIONS SENSIBLES

    Veillez à ne pas nous envoyer de Données personnelles sensibles (par ex., des informations portant sur l'origine ethnique ou raciale, les opinions politiques, la religion ou toutes autres croyances, la santé, des données biométriques ou génétiques, les antécédents criminels ou l'adhésion à un syndicat) via les Services ou autres.


    MISES À JOUR DU PRÉSENT AVIS DE CONFIDENTIALITÉ

    Nous pouvons modifier le présent Avis de confidentialité.  La légende « Dernière mise à jour » au début du présent Avis de notification indique la date à laquelle l'Avis de confidentialité a été révisé pour la dernière fois.  Toutes les modifications entreront en vigueur lors de la publication de l’Avis révisé sur les Services.  L'utilisation des Services à la suite de ces changements implique l'acceptation de l'Avis révisé. 


    NOUS CONTACTER

    Bank of America Merrill Lynch International Designated Activity Company, Two Park Place, Hatch Street, Dublin 2, Irlande. Enregistrée en Irlande (N° 229165). N° de TVA IE 8229165F. Siège social : Two Park Place, Hatch Street, Dublin 2, Irlande est la société responsable de la collecte, l'utilisation et la divulgation de vos Données personnelles en vertu du présent Avis de confidentialité.

     

    Pour toute question relative au présent Avis de confidentialité, veuillez nous contacter au 00800 0456 7890, ou :

     

    Bank of America Merrill Lynch Commercial Card, Amadeo Financial Centre, Chester Business Park, Chester, CH4 9FE, Royaume-Uni

     

    INFORMATIONS SUPPLÉMENTAIRES POUR L'EEE

    Au sein de l'EEE, les individus peuvent également :

    • nous contacter au 00800 0456 7890 pour toute question portant sur le présent Avis de confidentialité.
    • formuler une plainte auprès d'une autorité de surveillance compétente pour votre pays ou région.

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    © 2019 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 €.

    ©2019 Bank of America Corporation.

    Disclaimer for Hong Kong:

    “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, BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated, and Merrill Lynch Professional Clearing Corp., all of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated 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 Merrill Lynch" is the marketing name for the global banking and global markets business 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, National Association, Canada Branch (BANA CB ) which is a foreign bank branch 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.

    Securities, 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).

    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.

    © 2019 Bank of America Corporation.

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