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ULTIMO AGGIORNAMENTO: 22 marzo 2018

 

Informativa sulla privacy per le Carte Commerciali BAML

La presente Informativa sulla privacy spiega come le entità di Bank of America Merrill Lynch raccolgono, utilizzano e divulgano i dati personali on-line e off-line in relazione alla fornitura di carte commerciali, pagamenti commerciali e servizi di rendicontazione che forniamo ai nostri clienti aziendali e istituzionali (“Servizi”).  Ci riferiamo alle persone per cui trattiamo i Dati personali, quali i titolari delle carte, i viaggiatori e le persone che lavorano per i nostri clienti, come l’“utente” nella presente Informativa.


Dati personali

I “Dati personali” sono dati che identificano un individuo o si riferiscono a un individuo identificabile, e includono:  

  • Nome
  • Indirizzo postale
  • Numero di telefono
  • Indirizzo e-mail
  • Data di nascita
  • Dati del passaporto e altre forme di identificazione personale emesse dallo stato o dal governo (compresi il codice di previdenza sociale, il numero della patente di guida, dell’assicurazione nazionale e altri numeri identificativi)
  • Qualifica
  • Cognome della madre da nubile
  • Le coordinate del conto corrente bancario
  • ID del dipendente
  • Identificatore del dispositivo
  • Registrazioni telefoniche o elettroniche
  • Indirizzo IP

Potremmo aver bisogno di raccogliere e trattare i Dati personali per fornire i Servizi richiesti, o perché siamo legalmente obbligati a farlo. Se non riceviamo le informazioni che richiediamo, potremmo non essere in grado di fornire i Servizi richiesti.

 

Raccolta dei dati personali

Noi e i nostri agenti, le collegate e i fornitori di servizi possiamo raccogliere Dati personali in vari modi, tra cui:

  • Attraverso i Servizi: possiamo raccogliere Dati personali tramite i Servizi
  • Off-line: potremmo raccogliere i Dati personali dall’utente off-line, come quando partecipa ad una transazione o ad un accordo contrattuale
  • Da altre fonti: potremmo ricevere i Dati personali da altre fonti, ad esempio dal datore di lavoro dell’utente, dall’entità alla quale forniamo i Servizi e da altre terze parti.

 

Utilizzo dei dati personali Noi e i nostri fornitori di servizi potremmo utilizzare i Dati personali per i nostri legittimi interessi aziendali, inclusi i seguenti:

  • gestire la carta dell’utente o il nostro programma di carte del cliente e fornire servizi all’utente o al nostro cliente;
  • facilitare le transazioni;
  • rispettare le regole di qualsiasi programma di carte rilevante; rispondere alle richieste e soddisfare le richieste dei nostri clienti, amministrare il/i loro account e gestire i nostri rapporti;
  • verificare l’identità e/o la posizione di un individuo (o l’identità o la posizione del proprio rappresentante o agente) al fine di consentire l’accesso agli account del cliente o effettuare transazioni on-line;
  • proteggere la sicurezza degli account e dei Dati personali;
  • per nostre finalità aziendali, ad esempio l’analisi dei dati, le revisioni, lo sviluppo di nuovi prodotti, l’identificazione delle tendenze sull’utilizzo e la determinazione dell’efficacia delle nostre campagne promozionali, nonché il miglioramento, l’arricchimento o la modifica dei nostri Servizi;
  • per la gestione dei rischi, per l’individuazione e la prevenzione delle frodi, compresi i requisiti di conoscenza del cliente, antiriciclaggio e di due diligence, la conformità con le norme sulle sanzioni, il monitoraggio delle frodi e la rendicontazione fiscale;
  • per conformità con le leggi e i regolamenti (comprese le direttive, i codici o i pareri legali o regolamentari) e per conformità con altri requisiti legali e di applicazione della legge; e
  • per inviare informazioni amministrative ai clienti, ad esempio le modifiche ai nostri termini, condizioni e politiche.

 

Comunicazione dei Dati personali

I Dati personali possono inoltre essere divulgati a:

  • qualsiasi persona o società che lavora per noi (comprese le organizzazioni di servizi professionali come i fornitori di servizi legali, di revisione e contabili, le società di trattamento dei dati e tecnologiche e i fornitori di servizi di hosting IT);
  • il datore di lavoro dell’utente o qualsiasi gruppo di società del datore di lavoro o il nostro cliente;
  • qualsiasi persona o società che fornisce prodotti o servizi all’utente, al datore di lavoro o al nostro cliente in relazione alla carta o alla transazione dell’utente (compresi assicuratore, broker assicurativo, piano di carte, fornitore di servizi a valore aggiunto, società di gestione dei viaggi);
  • qualsiasi persona a cui trasferiamo o possiamo trasferire uno qualsiasi dei nostri diritti o doveri in base all’accordo che abbiamo con il datore di lavoro dell’utente o il nostro cliente;
  • qualsiasi sistema di pagamento in base al quale emettiamo la carta, il programma della carta o la transazione;
  • qualsiasi istituzione, tribunale, agenzia o autorità (incluse le autorità di polizia) a cui siamo tenuti a divulgare tali informazioni per legge incluso, a mero titolo esemplificativo ma non esaustivo, le leggi e i regolamenti antiterrorismo e antiriciclaggio e ai fini della lotta alla criminalità e al terrorismo;
  • qualsiasi Fornitore di servizi di elaborazione dei dati dell’account o altra terza parte che l’utente, il datore di lavoro dell’utente o il nostro cliente autorizzano a ricevere o ad accedere ai dati detenuti da noi; 
  • le nostre collegate per gli scopi descritti nella presente Informativa sulla privacy (una lista delle nostre collegate è disponibile su richiesta); e
  • i nostri terzi fornitori di servizi che forniscono servizi come l’hosting di siti web, l’analisi dei dati, l’elaborazione dei pagamenti, l’evasione degli ordini, la fornitura di tecnologia informatica e delle relative infrastrutture, l’assistenza ai clienti, i servizi di consegna di posta elettronica, i servizi di produzione di carte, stampa e auditing e altri servizi similari.

Se l’utente ha fornito informazioni false o imprecise o sospettiamo una frode, ne prenderemo nota e potremo trasmettere queste informazioni agli enti di prevenzione delle frodi e alle agenzie incaricate di far rispettare la legge.

Se un qualsiasi pagamento relativo all’account viene elaborato attraverso un sistema di pagamento mondiale, le informazioni sull’utente saranno eventualmente trasmesse a determinate autorità (persino al di fuori del Regno Unito) preposte a rilevare e prevenire il terrorismo.

 

Altri usi e divulgazioni

Potremmo anche utilizzare e divulgare i Dati personali che riteniamo necessari o appropriati: (a) per conformità con la legge applicabile, il che può includere le leggi al di fuori del Paese in cui si trova l’utente, per rispondere alle richieste delle autorità pubbliche e governative, il che può includere le autorità al di fuori del proprio Paese, per cooperare con le forze dell’ordine o per altri motivi legali; (b) per far rispettare i nostri termini e condizioni; e (c) per proteggere i nostri diritti, la privacy, la sicurezza o la proprietà e/o quelli delle nostre collegate, dell’utente o di altri.

Inoltre, potremmo usare, comunicare o trasferire i Dati personali a una terza parte in caso di riorganizzazione, fusione, vendita, joint venture, cessione, trasferimento o altra disposizione di tutta o parte della nostra attività, del nostro patrimonio o del capitale azionario (anche in relazione a procedure fallimentari o procedimenti analoghi).


ALTRE Informazioni

Per “Altre informazioni” si intendono le informazioni che non rivelano l’identità specifica di una persona o che non riguardano direttamente una persona identificabile, come ad esempio:

  • informazioni sul browser e sul dispositivo
  • dati di utilizzo delle app
  • le informazioni raccolte attraverso i cookie, i pixel tag e altre tecnologie
  • le informazioni demografiche e le altre informazioni fornite dall’utente che non rivelano l’identità specifica di una persona
  • le informazioni che sono state aggregate in modo tale da non rivelare più l’identità specifica di una persona

Se siamo tenuti a trattare le Altre informazioni come Dati personali ai sensi della legge applicabile, potremmo utilizzarle e divulgarle per gli scopi per i quali utilizziamo e divulghiamo i Dati personali come specificato in questa Informativa sulla privacy.

 

Raccolta di altre informazioni

Noi e i nostri fornitori di servizi possiamo raccogliere Altre informazioni in diversi modi, tra cui:

  • Attraverso un browser o un dispositivo:  alcune informazioni sono raccolte dalla maggior parte dei browser o automaticamente attraverso i dispositivi, come ad esempio l’indirizzo Media Access Control (MAC) dell’utente, il tipo di computer (Windows o Macintosh), la risoluzione dello schermo, il nome del sistema operativo e la versione, il produttore del dispositivo e il modello, la lingua, il tipo di browser Internet e la versione, il fornitore di servizi, e il nome e la versione dei Servizi (come ad esempio l’App) che sono utilizzati.  Utilizziamo queste informazioni per garantire che i Servizi funzionino correttamente.  
  • Utilizzo dei cookie: i cookie sono informazioni che vengono memorizzate direttamente sul computer che si utilizza.  I cookie ci consentono di raccogliere informazioni come il tipo del browser, il tempo trascorso sui Servizi, le pagine visitate, le preferenze della lingua, e altri dati anonimi sul traffico.  Noi e i nostri fornitori di servizi utilizziamo le informazioni per motivi di sicurezza, per facilitare la navigazione, per visualizzare le informazioni in modo più efficace e per personalizzare l’esperienza dell’utente.  Raccogliamo inoltre informazioni statistiche sull’uso dei Servizi al fine di migliorare continuamente la loro progettazione e funzionalità, capire come vengono utilizzati e aiutarci a risolvere i problemi che li riguardano.  Al momento non rispondiamo ai segnali do-not-track del browser.
  • La maggior parte dei browser consente ai singoli di rifiutare automaticamente i cookie o di scegliere se declinare o accettare un particolare cookie (o i cookie) da un determinato sito web. Consultare http://www.allaboutcookies.org/manage-cookies/index.html per maggiori informazioni.  Rifiutare i cookie potrebbe causare la cessazione del funzionamento di alcune parti dei Servizi.
  • Utilizzo di pixel tag e altre tecnologie simili:  i pixel tag (noti anche come web beacon e GIF trasparenti) possono essere utilizzati, tra le altre cose, per tenere traccia delle azioni degli utenti dei Servizi (inclusi i destinatari delle e-mail), misurare il successo delle nostre campagne di marketing e compilare statistiche sull’utilizzo dei Servizi e i tassi di risposta.
  • Analisi: utilizziamo Google Analytics, che utilizza cookie e tecnologie simili per raccogliere e analizzare informazioni sull’utilizzo dei Servizi e riferire su attività e tendenze.  Questo servizio può anche raccogliere informazioni riguardanti l’uso di altri siti Web, app e risorse on-line. Per conoscere le pratiche di Google visitare il sito www.google.com/policies/privacy/partners/__ e scaricare il componente aggiuntivo del browser per la disattivazione di Google Analytics, disponibile all’indirizzo https://tools.google.com/dlpage/gaoptout per disattivarle.
  • Indirizzo IP: l’indirizzo IP viene assegnato automaticamente a un computer da un provider di servizi Internet.  Un indirizzo IP può essere identificato e registrato automaticamente nei file di registro del nostro server ad ogni accesso degli utenti ai Servizi, insieme alla data della visita e alle pagine visitate.  La raccolta degli Indirizzi IP è una pratica standard e viene eseguita automaticamente da molti siti web, applicazioni e altri servizi.  Usiamo gli Indirizzi IP per fini quali la stima del livello di utilizzo, la diagnostica dei problemi del server, e la gestione dei Servizi.  Potremmo anche desumere la posizione approssimativa dell’utente dall’indirizzo IP.

 

Usi e divulgazioni di altre informazioni

Potremmo utilizzare e comunicare le Altre Informazioni per qualsivoglia finalità, salvo qualora la legge applicabile ci imponga di fare diversamente.  In alcuni casi, possiamo combinare le Altre informazioni con i Dati personali.  In tal caso, tratteremo le informazioni combinate come Dati personali finché saranno combinate.


SERVIZI DI TERZE PARTI

Questa Informativa sulla Privacy non riguarda, e non assumiamo alcuna responsabilità al riguardo, la privacy, le informazioni o altre pratiche di terze parti, comprese le terze parti che gestiscono un qualsiasi sito web o servizio cui i Servizi rinviano.  L’inclusione di un link sui Servizi non implica una approvazione del sito collegato da parte nostra o delle nostre collegate.


sicurezza

Miriamo ad usare ragionevoli misure organizzative, tecniche e amministrative per tutelare i Dati personali nella nostra organizzazione.  Purtroppo, nessun sistema di trasmissione o memorizzazione dei dati può garantire una sicurezza assoluta.  Se l’utente ha motivo di ritenere che la sua interazione con noi non è più sicura, deve darcene immediata notifica secondo le modalità del sottostante paragrafo “Come contattarci”.

 

In che modo le persone possono accedere, modificare o sopprimere i propri Dati personali

Se l’utente desidera richiedere di verificare, correggere, aggiornare, sopprimere, limitare o eliminare i Dati personali che ci ha precedentemente fornito, o se desidera richiedere di ricevere una copia elettronica dei suoi Dati personali per trasmetterli a un’altra società (nella misura in cui tale diritto alla portabilità dei dati è riconosciuto dalla legge applicabile), può contattarci telefonicamente al 00800 0456 7890.  Risponderemo alla sua richiesta in conformità con la legge applicabile.

 

Nella richiesta, occorre chiarire quali Dati personali si desidera modificare, se si desidera che i propri Dati personali vengano soppressi dal nostro database o, in caso contrario, comunicarci quali limitazioni si desidera applicare al nostro utilizzo dei Dati personali.  Per proteggere l’utente, possiamo dare seguito solo alle richieste riguardanti i Dati personali associati allo specifico indirizzo di posta elettronica che l’utente utilizza per inviare la sua richiesta, e potrebbe essere necessario verificare la sua identità prima di eseguire la richiesta.  Cercheremo di soddisfare la richiesta dell’utente non appena ragionevolmente possibile.  

 

Si noti che potremmo essere tenuti a conservare determinate informazioni ai fini di archiviazione e/o regolamentari e/o per completare le transazioni che l’utente ha iniziato prima di richiedere una modifica o una cancellazione.  Potrebbero esservi delle informazioni residuali che rimarranno nei nostri database e negli altri archivi, e non saranno rimosse.  Potremmo non essere più in grado di fornire i Servizi qualora l’utente richieda una cancellazione. 


PERIODO DI CONSERVAZIONE

Conserveremo i Dati personali per tutto il tempo necessario o consentito alla luce degli scopi per i quali sono stati ottenuti.  I criteri usati per stabilire i nostri periodi di conservazione comprendono: (i) il periodo di tempo durante il quale intratteniamo rapporti continuativi con il nostro cliente e forniamo i Servizi; (ii) se esiste un obbligo legale a cui siamo assoggettati; o (iii) se la conservazione è consigliabile alla luce della nostra posizione legale (ad esempio rispetto alle leggi applicabili sulla prescrizione, ai contenziosi o alle indagini regolamentari).


utilizzo dei Servizi da parte di MINORI

I Servizi non sono rivolti a persone di età inferiore ai diciotto anni (18) e non raccogliamo consapevolmente dati personali da persone di età inferiore ai 18 anni. 


Giurisdizione e TRASFERIMENTO TRANSFRONTALIERO

I Dati personali possono essere archiviati e trattati in qualsiasi Paese in cui disponiamo di strutture o in cui ci avvaliamo di fornitori di servizi, compresi gli Stati Uniti.  In determinate circostanze, i tribunali, le forze dell’ordine, le agenzie di regolamentazione o le autorità di sicurezza degli altri Paesi potrebbero avere il diritto di accedere ai Dati personali.

Se l’utente si trova nello Spazio Economico Europeo (SEE): Alcuni Paesi che non fanno parte dello SEE sono riconosciuti dalla Commissione Europea come garanti di un adeguato livello di protezione dei dati ai sensi degli standard dello SEE (l’elenco completo di tali Paesi è disponibile qui: https://ec.europa.eu/info/law/law-topic/data-protection_en Per i trasferimenti dallo SEE verso Paesi non ritenuti adeguati dalla Commissione Europea, abbiamo messo in atto misure adeguate, come le clausole contrattuali tipo adottate dalla Commissione Europea per proteggere i Dati personali. È possibile trovare una copia di tali misure al seguente link: https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/model-contracts-transfer-personal-data-third-countries_en


DATI SENSIBILI

Chiediamo all’utente di non inviarci alcun Dato personale sensibile (ad es., le informazioni relative a origine razziale o etnica, opinioni politiche, religione o altre credenze, riguardanti la salute, le caratteristiche biometriche o genetiche, i precedenti penali o l’adesione a sindacati) mediante i Servizi o altrimenti.


AGGIORNAMENTI DELLA PRESENTE Informativa sulla PRIVACY

Potremmo modificare la presente Informativa sulla Privacy.  La dicitura “Ultimo aggiornamento” posta agli inizi della presente Informativa sulla privacy indica l’ultima revisione della stessa.  Qualsiasi modifica diventerà efficace al momento della pubblicazione del documento rivisto dell’Informativa sulla Privacy sui Servizi.  L’utilizzo dei Servizi in seguito a tali modifiche implica l’accettazione dell’Informativa sulla privacy rivista. 

COME CONTATTARCI

Bank of America Merrill Lynch International Designated Activity Company, Two Park Place, Hatch Street, Dublino 2, Irlanda. Registrata in Irlanda (N. 229165). P. IVA: IE 8229165F. Sede legale: Two Park Place, Hatch Street, Dublino 2, Irlanda è la società responsabile per la raccolta, l’utilizzo e la comunicazione dei Dati personali in base alla presente Informativa sulla Privacy.

 

In caso di domande sulla presente Informativa sulla privacy, è possibile contattarci allo 00800 0456 7890, o scriverci a:

 

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

 

INFORMAZIONI AGGIUNTIVE PER LO SEE

Le persone fisiche nello SEE possono inoltre:

  • contattarci allo 00800 0456 7890 per rivolgerci eventuali domande sulla presente Informativa sulla privacy
  • presentare un reclamo all’autorità di controllo competente per il proprio Paese o la propria regione.

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Bank of America N.A., Oficina de Representacion (Chile), is a representative office in Chile of Bank of America N.A., supervised by the Superintendencia de Bancos e Instituciones Financieras 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.

Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc., Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., which are registered broker-dealers and members of FINRA and SIPC, and in other jurisdictions, by locally registered entities.

Investment products offered by Investment Banking Affiliates:

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

© 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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