ÚLTIMA ATUALIZAÇÃO: 1 DE NOVEMBRO DE 2020

 

Aviso de Privacidade do Cartão Comercial do Bank of America

 

Este Aviso de Privacidade explica como o Bank of America Europe DAC recolhe, usa e divulga Dados Pessoais online e offline no âmbito do fornecimento de cartões comerciais, pagamentos comerciais e serviços de relatórios que fornecemos aos nossos clientes corporativos e institucionais (“Serviços”). Referimo-nos aos indivíduos cujos Dados Pessoais tratamos, como titulares de cartões, viajantes e pessoas que trabalham para os nossos clientes, como “você” neste Aviso.

 

DADOS PESSOAIS

 

Dados Pessoais” são informações que identificam um indivíduo ou estão relacionadas com um indivíduo identificável, incluindo:

 

  • Nome
  • Endereço postal
  • Número de telefone
  • Endereço de e-mail e outros endereços de identificação para comunicações eletrónicas
  • Data de nascimento
  • Dados de passaportes e outras formas de identificação pessoal emitidas pelo governo ou pelo estado (incluindo seguro social, carta de condução, seguro nacional e outros números de identificação)
  • Título
  • Nome de solteira da mãe ou outras perguntas e respostas de segurança para fins de autenticação
  • Detalhes da conta bancária
  • Identificador de funcionário
  • Identificador de dispositivo
  • Gravações telefónicas ou eletrónicas
  • Endereço de IP
  • Identidade dos comerciantes aos quais os Cartões Comerciais são apresentados para pagamento de bens e serviços
  • Data e quantidade de compras

 

Podemos precisar de recolher e tratar Dados Pessoais para fornecer os serviços solicitados ou porque somos legalmente obrigados a fazê-lo. Se não recebermos as informações que solicitamos, talvez não possamos fornecer os Serviços solicitados.

 

Recolha de Dados Pessoais

 

Nós e os nossos agentes, afiliadas e prestadores de serviços podemos recolher Dados Pessoais de várias formas, incluindo:

 

  • Através dos Serviços: Podemos recolher Dados Pessoais através dos Serviços.
  • Além dos Serviços: Podemos recolher Dados Pessoais sobre si de outra forma que não através dos Serviços, como quando participa numa transação ou acordo contratual.
  • De outras fontes: Podemos receber Dados Pessoais de outras fontes, como do seu empregador, da entidade para a qual fornecemos os Serviços e de outros terceiros.

 

Uso de Dados Pessoais: Nós e os nossos prestadores de serviços podemos usar os Dados Pessoais para os nossos interesses comerciais legítimos, incluindo o seguinte:

 

  • administrar o seu cartão ou programa de cartão do nosso cliente e fornecer serviços a si ou ao nosso cliente;
  • facilitar transações;
  • cumprir as regras de qualquer esquema de cartão relevante;
  • responder a consultas e atender solicitações dos nossos clientes, administrar as suas contas e gerir as nossas relações;
  • verificar a identidade e/ou localização de um indivíduo (ou a identidade ou a localização do seu representante ou agente) para permitir o acesso a contas de clientes ou realizar transações online;
  • proteger a segurança de contas e Dados Pessoais;
  • fins comerciais, incluindo análise de dados, auditorias, desenvolvimento e melhoria de produtos e serviços, identificando tendências de uso e determinando a eficácia de campanhas promocionais, reforçando, melhorando ou modificando os nossos Serviços;
  • para gestão de riscos, para deteção e prevenção de fraude, incluindo conhecimento do cliente, lavagem de dinheiro, requisitos de devida diligência, cumprimento de regras de sanções, monitorização de fraude e declaração de impostos;
  • cumprir as leis e regulamentos (incluindo qualquer orientação legal ou regulamentar, códigos ou opiniões), e cumprir outros requisitos legais de processos e de aplicação da lei; e
  • enviar informações administrativas aos clientes, como alterações aos nossos termos, condições e políticas.

 

Observe que os Dados Pessoais que recolhemos para cumprir as nossas obrigações legais e regulamentares relacionadas com a prevenção de lavagem de dinheiro e financiamento do terrorismo são processados ​​apenas para esses fins, a menos que seja permitido ou acordado de outra forma.

 

Não usaremos os seus Dados Pessoais para tomar decisões baseadas exclusivamente em tratamento automatizado (incluindo criação de perfis) que tenham efeitos legais ou significativamente semelhantes nos indivíduos.

 

Divulgação de Dados Pessoais

 

Os Dados Pessoais podem ser divulgados a:

 

  • qualquer pessoa ou empresa que trabalhe para nós (incluindo organizações de serviços profissionais, tais como prestadores de serviços jurídicos, de auditoria e contabilidade, empresas de processamento de dados e tecnologia e fornecedores de alojamento de TI);
  • o seu empregador ou qualquer grupo de empresas do seu empregador ou do nosso cliente;
  • qualquer pessoa ou empresa que forneça produtos ou serviços a si, ao seu empregador ou ao nosso cliente no âmbito do seu cartão ou transação (incluindo a nossa seguradora, corretora de seguros, esquema de cartões, prestador de serviços de valor agregado, empresa de administração de viagens);
  • qualquer pessoa a quem transferimos ou podemos transferir qualquer um dos nossos direitos ou deveres nos termos do contrato que temos com o seu empregador ou com o nosso cliente;
  • qualquer sistema de pagamento sob o qual emitimos o seu cartão, programa de cartão ou transação;
  • qualquer instituição, tribunal, agência ou autoridade (inclusive autoridades policiais e os nossos reguladores) a quem sejamos obrigados a divulgá-los por lei, incluindo, sem limitação, obrigações de relatórios regulamentares, leis e regulamentos antiterrorismo e branqueamento de capitais, e com o objetivo de combater o crime e o terrorismo;
  • qualquer Prestador de Serviços de Informação de Conta ou outro terceiro que você, o seu empregador ou o nosso cliente autorize a receber ou aceder a dados detidos por nós;
  • as nossas afiliadas para os fins descritos neste Aviso de Privacidade (uma lista das nossas afiliadas está disponível mediante solicitação); e
  • os nossos prestadores de serviços terceirizados que fornecem serviços como alojamento de sites, análise de dados, processamento de pagamentos, cumprimento de pedidos, tecnologia da informação e infraestrutura relacionada, atendimento ao cliente, entrega de e-mail, produção de cartões, impressão, auditoria e outros serviços.

 

Se forneceu informações falsas ou imprecisas ou suspeitarmos de fraude, iremos registar isso e poderemos transmitir estas informações a agências de prevenção de fraude e aplicação da lei.

 

Se qualquer pagamento relacionado com a conta for processado através de um sistema de pagamentos mundial, as informações sobre si poderão ser passadas a determinadas autoridades (incluindo autoridades fora da Irlanda), a fim de detetar e prevenir o terrorismo.

 

Outros Usos e Divulgações

 

Também podemos usar e divulgar Dados Pessoais conforme consideremos necessário ou apropriado para: (a) cumprir a lei aplicável, que pode incluir leis fora do país em que esteja localizado, para responder a solicitações de autoridades públicas e governamentais, que podem incluir autoridades fora do seu país, cooperar com a aplicação da lei ou por outras razões legais; (b) fazer cumprir os nossos termos e condições; e (c) proteger os nossos direitos, privacidade, segurança ou propriedade, e/ou os das nossas afiliadas, seus ou de outras pessoas.

 

Além disso, podemos usar, divulgar ou transferir Dados Pessoais para um terceiro no caso de qualquer reorganização, fusão, venda, joint venture, cessão, transferência ou outra alienação de toda ou qualquer parte dos nossos negócios, ativos ou ações (incluindo no âmbito de qualquer processo de falência ou similar).

 

OUTRAS INFORMAÇÕES

 

Outras informações” são quaisquer informações que não revelem a identidade específica de uma pessoa ou que não estejam diretamente relacionadas a um indivíduo identificável, como:

 

  • Informações do navegador e dispositivo
  • Dados de uso da aplicação
  • Informações recolhidas através de cookies, pixel tags e outras tecnologias
  • Informações demográficas e outras informações fornecidas por si que não revelam a identidade específica de uma pessoa
  • Informações que foram agregadas de uma forma que já não revela a identidade específica de uma pessoa

 

Se formos obrigados a tratar Outras Informações como Dados Pessoais sob a lei aplicável, poderemos usá-las e divulgá-las para os fins para os quais usamos e divulgamos Dados Pessoais, conforme detalhado neste Aviso de Privacidade.

 

Recolha de Outras Informações

 

Nós e os nossos prestadores de serviços podemos recolher Outras Informações de várias formas, incluindo:

 

  • Através de um navegador ou dispositivo: Certas informações são recolhidas pela maioria dos navegadores ou automaticamente através de dispositivos, como endereço Media Access Control (MAC), tipo de computador (Windows ou Mac), resolução de ecrã, nome e versão do sistema operativo, fabricante e modelo do dispositivo, idioma, tipo de navegador da Internet e versão e o nome e versão dos Serviços (como a App) em uso. Usamos estas informações para garantir que os Serviços funcionam corretamente.
  • Utilizar cookies: Cookies são informações armazenadas diretamente no computador que está a ser usado. Os cookies permitem-nos recolher informações como tipo de navegador, tempo gasto nos Serviços, páginas visitadas, preferências de idioma e outros dados de tráfego anónimos. Nós e os nossos prestadores de serviços usamos as informações para fins de segurança, para facilitar a navegação, para exibir informações de forma mais eficiente e para personalizar a experiência do utilizador. Recolhemos também informações estatísticas sobre o uso dos Serviços, a fim de melhorar continuamente o seu design e funcionalidade, entender como são usados e ajudar-nos a resolver questões relacionadas com eles. Atualmente, não respondemos a sinais “do-not-track” de navegador.
  • A maioria dos navegadores permite que os utilizadores recusem cookies automaticamente ou que tenham a opção de recusar ou aceitar um determinado cookie (ou cookies) de um site específico. Consulte http://www.allaboutcookies.org/manage-cookies/index.html para mais informações. Rejeitar cookies pode fazer com que certas partes dos Serviços deixem de funcionar.
  • Usar pixel tags e outras tecnologias semelhantes: As pixel tags (também conhecidas como web beacons e GIF transparentes) podem ser usadas para, entre outras coisas, monitorizar as ações dos utilizadores dos Serviços (incluindo destinatários de email), avaliar o sucesso das nossas campanhas de marketing e compilar estatísticas sobre o uso dos Serviços e taxas de resposta.
  • Analytics: Podemos usar o Google Analytics, que usa cookies e tecnologias semelhantes para recolher e analisar informações sobre o uso dos Serviços e comunicar atividades e tendências. Este serviço também pode recolher informações sobre o uso de outros sites, aplicações e recursos online. Pode saber mais sobre as práticas da Google acedendo a www.google.com/policies/privacy/partners. Podemos usar Flash LSO e outras tecnologias para, entre outras coisas, recolher e armazenar informações sobre o seu uso dos Serviços. Se não quiser Flash LSO armazenados no seu computador, pode ajustar as definições do seu Flash Player para bloquear o armazenamento de Flash LSO, usando as ferramentas contidas no Painel de Definições de Armazenamento do Site (Website Storage Settings Panel), que está disponível em http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html. Pode também aceder ao Painel de Definições de
    Armazenamento Global (Global Storage Settings Panel) em http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager03.html e seguir as instruções (que podem explicar, por exemplo, como eliminar Flash LSO existentes (referidos como “informações”), como evitar que Flash LSO sejam colocados no seu computador sem que tal lhe seja solicitado e como bloquear Flash LSO que não estão a ser entregues pelo operador da página em que está nesse momento). Tenha em atenção que configurar o Flash Player para restringir ou limitar a aceitação de Flash LSO pode reduzir ou impedir a funcionalidade de algumas aplicações Flash.
  • Endereço de IP: O endereço de IP é automaticamente atribuído a um computador por um prestador de serviços de Internet. Um endereço de IP pode ser identificado e registado automaticamente nos nossos ficheiros de registo do servidor sempre que um utilizador acede aos Serviços, juntamente com a hora da visita e as páginas visitadas. A recolha de endereços de IP é uma prática padrão e é feita automaticamente por muitos sites, aplicações e outros serviços. Usamos endereços IP para fins de cálculo de níveis de uso, diagnosticar problemas do servidor e administrar os Serviços. Podemos também derivar a localização aproximada do endereço de IP.

 

Usos e Divulgações de Outras Informações

 

Podemos usar e divulgar outras informações para qualquer finalidade, exceto quando formos solicitados de outra forma sob a lei aplicável. Nalguns casos, podemos combinar Outras Informações com Dados Pessoais. Se o fizermos, trataremos as informações combinadas como Dados Pessoais, desde que sejam combinadas.

 

SERVIÇOS TERCEIRIZADOS

 

Este Aviso de Privacidade não aborda e não nos responsabilizamos pela privacidade, informação ou outras práticas de terceiros, incluindo qualquer terceiro que opere qualquer site ou serviço associados pelos Serviços. A inclusão de uma ligação nos Serviços não implica o endosso do site ou serviço associado por nós ou pelas nossas afiliadas.

 

SEGURANÇA

 

Procuramos usar medidas organizacionais, técnicas e administrativas razoáveis para proteger os Dados Pessoais na nossa organização. Infelizmente, nenhum sistema de transmissão ou armazenamento de dados pode ser garantido como 100% seguro. Se tiver motivos para acreditar que a sua interação connosco já não é segura, notifique-nos imediatamente de acordo com a secção “Contactar-nos” abaixo.

 

Como as pessoas podem aceder, alterar ou suprimir os seus Dados Pessoais

 

Se desejar solicitar a revisão, correção, atualização, supressão, restrição ou eliminação de Dados Pessoais que nos tenha fornecido anteriormente, ou se desejar solicitar o recebimento de uma cópia eletrónica dos seus Dados Pessoais para fins de transmissão a outra empresa (na medida em que este direito à portabilidade de dados lhe seja fornecido pela lei aplicável), pode contactar-nos telefonicamente através do número 00800 0456 7890. Responderemos à sua solicitação de forma consistente com a lei aplicável.

 

Na sua solicitação, esclareça que Dados Pessoais deseja alterar, se deseja que os Dados Pessoais sejam suprimidos da nossa base de dados ou informe-nos que limitações deseja colocar ao nosso uso dos Dados Pessoais. Para sua proteção, só podemos implementar solicitações relacionadas com os Dados pessoais associados ao endereço de e-mail específico que usar para nos enviar a sua solicitação, e podemos precisar de confirmar a sua identidade antes de implementar a sua solicitação. Tentaremos cumprir a sua solicitação assim que razoavelmente possível.

 

Note que podemos precisar de reter certas informações para fins de manutenção de registos e/ou regulamentares e/ou para concluir quaisquer transações que tenha iniciado antes de solicitar uma alteração ou eliminação. Pode também haver informações residuais que permanecerão nas nossas bases de dados e outros registos que não serão removidas. Talvez possamos deixar de conseguir fornecer-lhe os Serviços se solicitar uma eliminação.

 

PERÍODO DE RETENÇÃO

 

Iremos reter os Dados Pessoais pelo tempo que for necessário ou permitido à luz da(s) finalidade(s) para a(s) qual(ais) foram obtidos. Os critérios usados para determinar os nossos períodos de retenção incluem: (i) o período de tempo em que temos uma relação contínua com o nosso cliente e fornecemos os Serviços; (ii) se existe uma obrigação legal a que estamos sujeitos; ou (iii) se a retenção é aconselhável à luz da nossa posição legal (como no que diz respeito aos prazos de prescrição aplicáveis, litígios ou investigações regulamentares).

 

USO DOS SERVIÇOS POR MENORES

 

Os Serviços não são direcionados a indivíduos com idade inferior a dezoito (18) anos e não recolhemos Dados Pessoais de pessoas com menos de 18 anos.

 

JURISDIÇÃO E TRANSFERÊNCIA TRANSFRONTEIRIÇA

 

Os Dados Pessoais podem ser armazenados e tratados em qualquer país onde tenhamos instalações ou contratemos prestadores de serviços, incluindo os Estados Unidos. Em determinadas circunstâncias, os tribunais, agências de aplicação da lei, agências reguladoras ou autoridades de segurança nesses outros países podem ter o direito de aceder aos Dados Pessoais.

 

Se estiver localizado no Espaço Económico Europeu (EEE): Alguns países não pertencentes ao EEE são reconhecidos pela Comissão Europeia como fornecendo um nível adequado de proteção de dados de acordo com os padrões do EEE (a lista completa destes países está disponível aqui https://ec.europa.eu/info/law/law-topic/data-protection_en. Para as transferências do EEE para países não considerados adequados pela Comissão Europeia, implementamos medidas adequadas, como cláusulas contratuais-tipo adotadas pela Comissão Europeia para proteger os Dados Pessoais. Pode obter uma cópia destas medidas seguindo este link: https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/model-contracts-transfer-personal-data-third-countries_en.

 

INFORMAÇÃO SENSÍVEL

 

Normalmente, não recolhemos Dados Pessoais confidenciais no âmbito dos Serviços. Não nos envie Dados Pessoais sensíveis (por exemplo, informações relacionadas com origem racial ou étnica, opiniões políticas, religião ou outras crenças, saúde, biometria ou características genéticas, antecedentes criminais ou filiação sindical) através dos Serviços ou de outra forma.

 

ATUALIZAÇÕES DESTE AVISO DE PRIVACIDADE

 

Podemos alterar este Aviso de Privacidade ocasionalmente. A legenda “Última Atualização” no topo deste Aviso de Privacidade indica quando este Aviso de Privacidade foi revisto pela última vez. Quaisquer alterações entrarão em vigor quando publicarmos o Aviso de Privacidade revisto nos Serviços. O uso dos Serviços após estas alterações (ou o seu fornecimento contínuo de Dados Pessoais a nós) significa a aceitação do Aviso de Privacidade revisto.

 

CONTACTAR-NOS

 

Se tiver alguma dúvida sobre este Aviso de Privacidade, contacte-nos pelo telefone 00800 0456 7890; ou

 

Bank of America Commercial Card, Amadeo Financial Centre, Chester Business Park, Chester, CH4 9FE, Reino Unido.

 

Bank of America Europe DAC, Two Park Place, Hatch Street, Dublin 2, Irlanda. Registada na Irlanda (sob o n.º 229165). N.º para efeitos de IVA IE 8229165F. Sede social: Two Park Place, Hatch Street, Dublin 2, Irlanda é a empresa responsável pela recolha, uso e divulgação dos seus Dados Pessoais de acordo com este Aviso de Privacidade.

 

INFORMAÇÕES ADICIONAIS PARA O EEE

 

Os indivíduos no EEE também podem:

 

  • contactar-nos através do 00800 0456 7890 com qualquer dúvida sobre este Aviso de Privacidade; ou
  • apresentar uma queixa a uma autoridade de supervisão competente para o seu país ou região; ou
  • contactar o nosso Encarregado de Proteção de Dados da UE, através do e-mail BOFA.EUDPO@bofa.com

 

De acordo com a lei francesa, os indivíduos têm o direito de definir diretrizes sobre a retenção, o apagamento e a divulgação dos seus Dados Pessoais após a sua morte. Esse direito pode ser exercido ao entrar em contacto connosco, conforme indicado na secção “Contactar-nos”.

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Bank of America Corporation and its affiliates do not perform in any jurisdiction banking activities that are reserved by local law to licensed banks, except in those jurisdictions where its banking affiliates have procured the necessary licenses.

Unless otherwise indicated, all services/products are conducted on an offshore basis for Latin America. Some or all of the products may not be available in certain jurisdictions and are subject to change without notice.

This document and its content are for information purposes and shall not be interpreted as banking or financial intermediation, business solicitation and/or public offering of any kind.

“Merrill Lynch” is the trademark that Bank of America Corporation uses in the Republic of Argentina for its capital market, financial advisory and investment businesses, which are conducted by and through Merrill Lynch Argentina S.A.. This entity does not conduct any activities subject to banking license, such as capturing deposits from the public.

Bank of America México, S.A., Institución de Banca Múltiple is a banking affiliate in Mexico of Bank of America Corporation.

Bank of America N.A., Oficina de Representacion (Colombia), is a representative office in Colombia of Bank of America N.A., supervised by the Superintendencia Financiera de Colombia and authorized to promote in Colombia select products and services that Bank of America N.A. and BofA Securities, Inc. provides outside of Colombia. Neither Bank of America, N.A., nor its Representative Office in Colombia, is authorized to carry out in Colombia any activities that are reserved by Colombian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Peru), is a representative office in Peru of Bank of America N.A., supervised by the Superintendencia de Banca, Seguros y Administradoras Privadas de Fondos de Pensiones and authorized to promote in Peru select products and services that Bank of America N.A. and its Investment Banking Affiliates provide outside of Peru. Neither Bank of America, N.A., nor its Representative Office in Peru, is authorized to carry out in Peru any activities that are reserved by Peruvian law to locally licensed banks.

Bank of America N.A., Oficina de Representacion (Chile), is a representative office in Chile of Bank of America N.A., supervised by the Comisión para el Mercado Financiero and authorized to promote in Chile select products and services that Bank of America N.A. provides outside of Chile. Neither Bank of America, N.A., nor its Representative Office in Chile, is authorized to carry out in Chile any activities that are reserved by Chilean law to locally licensed banks.

Bank of America Corporation does not have banking affiliates, branches or bank representative offices in any other jurisdiction in Latin America.

©2020 Bank of America Corporation.

Disclaimer for France:

BofA Securities Europe SA (“BofASE”) with registered address at 51, rue La Boétie, 75008 Paris, registered under n° 842 602 690 RCS Paris, is governed by articles L. 531-1 and following of the monetary and financial code. BofASE is authorized as an investment firm by the Autorité de Contrôle Prudentiel et de Résolution (“ACPR”), is regulated by the ACPR and the Autorité des Marchés Financiers, and is not a credit institution. BofASE’s share capital is 5,276,300,000 €.

©2020 Bank of America Corporation.

Disclaimer for Hong Kong:

“Bank of America” and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, National Association, Member FDIC. Trading in securities and financial instruments, and strategic advisory, and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA.

Bank of America, National Association, Hong Kong Branch, is a branch of a national banking association organized and existing with limited liability under the laws of the United States of America.

Disclaimer for Canada:

"Bank of America" and “BofA Securities” are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation including Bank of America, National Association, Canada Branch (BANA CB ) which is an authorized foreign bank regulated by the Office of the Superintendent of Financial Institutions. Deposits with BANA CB are not insured with the Canada Deposit Insurance Corporation.  BANA CB shall not impose undue pressure on, or coerce, a person to obtain a product or service from a particular person, including bank and any of its affiliates, as a condition for obtaining another product or service from BANA CB.

Trading in securities and financial instruments, and strategic advisory and other investment banking activities, are performed globally by investment banking affiliates of Bank of America Corporation including in Canada by Merrill Lynch Canada Inc. which is a registered broker-dealer regulated by the Investment Industry Regulatory Organization of Canada (IIROC) and a member of the Canadian Investor Protection Fund (CIPF).  Merrill Lynch Canada Inc. is registered as an Approved Participant of the Bourse de Montreal.

Disclosure of best execution obligations and routing practices for Merrill Lynch Canada Inc. (IIROC Dealer Member Rule 3300)

X

Terms and Conditions

These Terms and Conditions ("Terms and Conditions") are for the Bank of America Corporation ("Bank of America") website and those websites of its affiliates (collectively the "Sites") including Bank of America, N.A., Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc., Bank of America Capital Management and certain other affiliates enumerated herein (collectively "Affiliates") that are available through the Bank of America Sites and apply to all services, programs, information and products (collectively "Service") that you ("Client") may use or otherwise access from time to time through the Sites ("Agreement").

USE OF SITES

Client agrees that any trade confirmation, account statement or other document delivered through the Sites by "clicking" on the designated spaces in or relating to such document shall be deemed to be "in writing" and to have been "signed" and delivered for all purposes by Client. Any record of such transaction or confirmation (including, without limitation, electronic records) shall be deemed to be "in writing." Client further agrees that it shall not contest the legally binding nature, validity or enforceability of any transaction, document or confirmation based on the fact that it has been executed by "clicking" on the designated spaces and expressly waives any and all rights it may have to assert such claim.

Bank of America hereby grants to Client a worldwide, non-exclusive, non-sublicensable, non-transferable, non-assignable, personal right and license to access and use the Sites solely for Client's internal use in accordance with the terms of this Agreement. Client accepts the right and license granted herein to access and use the Sites solely in accordance with this Agreement and any rules or restrictions or procedures published by Bank of America on the Sites from time to time. Client acknowledges and agrees that the Sites, and all intellectual property and proprietary rights therein and thereto, anywhere worldwide, including such rights in copyrights, trademarks, service marks, trade dress, patents, patent applications and trade secrets and other proprietary and/or confidential information (collectively, "IP"), are the valuable property of Bank of America and/or its affiliates and licensors. Other than the license granted hereunder, Client obtains no rights to the Sites. Client may not access or use the Sites in any way that may infringe any IP right of Bank of America or its Affiliates or licensors. Client promptly shall notify Bank of America of any actual or threatened infringement or misappropriation of IP, or any portion thereof, of which it becomes aware. Client acknowledges and agrees that it will not use, or allow the use of the Sites in contravention of, and will comply with, any applicable laws, rules, regulations or interpretations (collectively, "Applicable Law").

Client agrees that it will not, and will not authorize or permit any person ("Authorized Person") under its control, under any circumstance to:

  • sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to the Sites, or any portion thereof or data thereon, to any person other than its Authorized Persons, including through oral, written, or electronic means whether as a demonstration or otherwise;
  • photocopy, download or otherwise reproduce in any medium any portion of the Sites, except that Client may download into Client's internal computer system, or print a hard copy of, content on the Sites, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; or
  • alter, decompile or reverse engineer any software component of the Sites.

All cost and expense of equipment, operating platforms, and software necessary to access and use the Sites, and the maintenance thereof shall be the sole responsibility of Client.

No provision of these Terms and Conditions shall restrict Client from taking any action required by any Applicable Law, any self-regulatory organization or any governmental entity to which it is subject. Prior to taking any such action, Client shall, to the extent reasonably practicable given the then-current circumstances, notify Bank of America in writing thereof and consult with Bank of America regarding the steps to be taken to ensure compliance with Applicable Law.

CLIENT ACKNOWLEDGES AND AGREES THAT IT WILL BE RESPONSIBLE TO ENSURE THAT ANY ACTIVITY UNDERTAKEN BY CLIENT OR ITS AUTHORIZED PERSONS IN ANY JURISDICTION AND WITH ANY PERSON IN WHOLE OR IN PART ON OR THROUGH THE SITES IS IN COMPLIANCE WITH APPLICABLE LAW.

Client agrees to provide Bank of America with all information, cooperation and assistance, documents and data as shall reasonably be requested by Bank of America in order to enable Bank of America to comply with any and all Applicable Law. Client understands and agrees that Bank of America may report such information to regulatory authorities to the extent necessary, in its reasonable discretion, to comply with Applicable Law.

SECURITY

Bank of America shall assign to each Authorized Person a unique User ID ("User ID") and a corresponding password and/or other access codes (each, an "Access Code") to enable Authorized Persons to access and use such functions within the Sites as Client shall authorize. Client shall (i) maintain, (ii) take appropriate steps to ensure that its officers and employees maintain, and (iii) inform all Authorized Persons of Client's obligation to maintain, the confidentiality of User IDs and Access Codes and the security of the Sites. Client shall not permit any person other than an Authorized Person to access or use the Sites on its behalf or to use any User ID or Access Code and shall educate and familiarize those Authorized Persons who access and/or use the Sites with Client's obligations under this Agreement. Client acknowledges and agrees that Client and/or its Authorized Persons may access the Sites through the World Wide Web or other Internet service which is not necessarily secure, and Bank of America does not warrant that such system is secure. Client agrees to be bound by all communications (and the consequences thereof) placed on, executed through or facilitated by the Sites that are accompanied by a valid User ID and a valid Access Code assigned to Client or an Authorized Person. Upon becoming aware of, or if Client suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized Person or other person, Client shall promptly notify Bank of America of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized Person, take immediate actions to terminate such Authorized Person's access to and use of the Sites. Bank of America reserves the right to limit or terminate Client’s or any Authorized Person’s access to and use of the Sites immediately and without notice.

NO OFFERS

Unless specifically identified as an offer to sell or a solicitation of any offer to buy, under no circumstances should any information on the Sites be used as or considered to be an offer to sell or a solicitation of any offer to buy the securities or any other instruments of Bank of America or any other issuer. Offers can only be made where lawful under applicable law. Any information, services, or securities offered via the Sites are intended to be available only to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland, Japan, Italy, Korea, the Netherlands, Singapore, the United States and the United Kingdom. The viewing or distribution of the Sites may be restricted by law in certain jurisdictions. Persons using the Sites are required to inform themselves about and observe any legal restrictions on the use of the Sites and any restrictions set forth in the Sites. The Sites do not constitute an offer of, or a solicitation to purchase any securities in any jurisdiction in which such offer or invitation would be unlawful. If you wish to obtain further details about any information contained through the Sites, there are several areas on the Sites that will provide you with contact information.

DISCLOSURE OF INTEREST

Affiliates of Bank of America may make a market or deal as principal in the securities mentioned in these Sites or in options based thereon. In addition, Bank of America or its Affiliates, their shareholders, directors, officers and/or employees, may from time to time have long or short positions in such securities or in options, futures or other derivative instruments based thereon. One or more directors, officers and/or employees of Bank of America or its Affiliates may be a director of the issuer of the securities mentioned at these Sites. Bank of America or its Affiliates may have managed or co-managed a public offering of, or acted as initial purchaser or placement agent for a private placement of, any of the securities of any issuer mentioned on the Sites, or may from time to time perform consulting, advisory, lease, loan solicitation, investment banking or other services for, or solicit investment banking or other business from, mentioned companies.

ACCOUNT INFORMATION

Certain information from Client’s account(s) at Bank of America or its Affiliates is accessible on the Sites and can be downloaded by Client ("Account Information"). While Bank of America and its Affiliates believe that this Account Information will be accurate at the time of access and/or downloading by Client, this information may have certain technical flaws, typographical errors or other inaccuracies. Additionally, the Account Information is subject to immediate change resulting from market conditions, price fluctuations and other related factors. Bank of America and its Affiliates expressly disclaim any responsibility or liability for the accuracy or use of such Account Information upon its being downloaded by Client and will not be liable for any difficulty, damage or inaccessibility of such information due to hardware or software incompatibility.

PRICING AND MARKET INFORMATION

Actual prices can be obtained only on a real-time, expressly agreed-upon basis. Any indicative valuations on the Sites are provided for information only. They are not an offer to enter into, transfer and assign or terminate any transaction, or a commitment by Bank of America or its Affiliates to make such an offer. An indicative valuation may differ substantially from an actual value. Such estimates do not necessarily reflect Bank of America’s or its Affiliates’ internal bookkeeping or theoretical model-based valuations. Certain factors, which may not have been assessed for purposes of these valuations, including, for example, notional amounts, credit spreads, underlying volatility, costs of carry or use of capital and profit, may substantially affect a stated valuation. Indicative valuations may vary significantly from indicative valuations available from other sources. While Bank of America and its Affiliates have obtained the information on which these evaluations are based from sources they believe are reliable, Bank of America and its Affiliates make no representations or warranties with respect to any indicative valuations. Prior to the execution of a Transaction based upon the Content of these Sites, Client is advised to consult with its broker or other financial representative to verify pricing information.

HYPOTHETICAL OR PAST PERFORMANCE

Hypothetical or simulated performance results have inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are designed with the benefit of hindsight. Past performance is not indicative of future results; no representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

MATERIAL IN ITS ENTIRETY

All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

LINKED SITES

Certain hyperlinks on the Sites may link websites maintained by the Affiliates, which are not to be considered a part of the Sites. Certain other links on the Sites to non-affiliated third-party sites may contain information over which we have no control. We take no responsibility for the content, accuracy, content, completeness, timeliness, current value or any aspect of the information on these sites and disclaim any liability to Client for it or for any consequence of your decision to use the links provided or your use of such information. Links to non-Bank of America sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to Bank of America or its Affiliates by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between Client and the providers of products and services at those other sites. Client agrees that it shall not bring a suit or claim against Bank of America or its Affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that Bank of America, its Affiliates or the Sites sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sites is authorized to use any trademark, trade name, logo or copyright symbol of Bank of America or its Affiliates.

CONTENT AND SERVICE AVAILABILITY

Bank of America or its Affiliates may make changes to the Sites and reserves the right to do so without prior notice to you. Client acknowledges that not all products and services listed or discussed in the Sites are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates.

CONSENT TO ELECTRONIC DELIVERY

You agree to receive certain documents and information provided by Bank of America and its Affiliates through the Sites and/or through email provided to you via the Sites. This delivery will generally consist of certain Content on the Sites, and certain other documents relating to Bank of America and its Affiliate’s business. This electronic provision and delivery will be regarded by you as appropriate delivery pursuant to any delivery requirements under the various statutes and rules, where applicable, of the Securities and Exchange Commission, the National Association of Securities Dealers and any state or other jurisdiction. You acknowledge that you have the appropriate technological equipment to use the Sites and to receive email via the Internet and understand that your use of the Internet may incur certain operational costs such as monthly fees for a service provider. You agree to notify Bank of America or the applicable Affiliate in the event that you no longer desire to receive content through this delivery procedure and will allow a reasonable amount of time to permit proper delivery to you through other means.

NO WARRANTY

Client acknowledges that any information provided through the Sites is not intended to be a recommendation, offer or solicitation of any particular products or services. In addition, all research, analysis and similar market information from non-affiliated third parties provided represent the views and opinions solely of the author or the indicated source. Bank of America and its Affiliates do not independently verify the accuracy or completeness of such information, nor does Bank of America and its Affiliates endorse any particular views expressed therein. Except for offering memoranda, Bank of America and its Affiliates disclaim any liability to Client for this information or for any consequence of your decision to use it. Client agrees that it shall independently confirm any such information presented through the Sites before relying on such information. Bank of America, its Affiliates and their respective employees, contractors, agents and various contributors to the Sites have no duty to correct or update any inaccurate or out-of-date information on the Sites.

Client acknowledges that it is acting for its own account, and it has made its own independent decisions to enter into a Transaction and as to whether a Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary. Client is not relying on any communication (written or oral) of Bank of America or its Affiliates as investment advice or as a recommendation to enter into a Transaction; it being understood that information and explanations related to the terms and conditions of a Transaction shall not be considered investment advice or a recommendation to enter into that Transaction. Further, Client has not received from Bank of America or its Affiliates any assurance or guarantee as to the expected results of a Transaction.

COMPLIANCE WITH LAWS AND INDEMNITY

The Sites may be used only for lawful purposes. Client’s conduct may be subject to local, state, national and international laws. Client agrees that it and any of its Authorized Persons shall comply with this Agreement, applicable laws, rules, regulations, ordinances and other similar national and international requirements of the country, state and province in which you are accessing and using the Sites.

Client agrees to abide by applicable export control laws and not to transfer, by electronic transmission or otherwise, any content on the Sites subject to restrictions under such laws to a national destination prohibited under such laws, without first obtaining, and then complying with, any requisites government authorization. Client further agrees not to upload to the Sites any data or software that cannot be exported without prior written government authorization, including, but not limited to, certain encryption software. This assurance and commitment shall survive termination of these Terms and Conditions. Offices, residents and operations of your organization in Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are the subject of sanctions by the United States Office of Foreign Asset Control or other general U.S. embargo restrictions are not permitted to access and use the Sites, and any such access and use is a violation of these Terms and Conditions.

Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. Bank of America and its Affiliates reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. Notwithstanding the foregoing, you are not required to indemnify Bank of America or its Affiliates for its own violations of applicable laws.

  • FOR RESIDENTS OF BRAZIL:

    The information contained here does not constitute a public offering or distribution of securities in Brazil and no registration or filing with respect to any securities or financial products available on the Sites has been made with Commisao de Valores Mobiliarios.

  • FOR RESIDENTS OF CANADA:

    The information contained here does not constitute a public offering or distribution of securities in Canada or any of its provinces. No registration or filing with respect to any securities or financial products available on the Sites has been made with any regulatory agency thereof.

  • FOR RESIDENTS OF FRANCE:

    The Sites do not constitute a solicitation to enter into a transaction involving financial instruments, is not being distributed in the context of a public offer in France within the meaning of Article L. 411–1 of the Monetary and Financial Code, and has thus not been submitted to the COB for prior approval and clearance procedure. Any offers, sales or distribution of financial instruments through the Sites shall only be made in France to qualified investors (investisseurs qualifi?s) as defined in and in accordance with Article L. 411-2 of the Monetary and Financial Code and d?cret no. 98–880 dated 1st October, 1998. The contents of the Sites may not be redistributed or reproduced (in whole or in part) by any User. The Sites are made available with the understanding that Users will make investment decisions for their own account with the conditions set out in d?cret no. 98–880 dated 1st October, 1998. By using the Sites, Users undertake not to transfer, directly or indirectly, any financial instrument acquired through the Sites to the public in France, other than in compliance with applicable laws and regulation. Services hereunder may be provided by Banc of America Securities, Limited, as agent or otherwise.

  • FOR RESIDENTS OF GERMANY:

    The Sites are made available only to professional investors as such term is defined in the Securities Sales Prospectus Act.

  • FOR RESIDENTS OF HONG KONG:

    Access to the Sites is by invitation only to institutional investors. No information or material contained in the Sites is or should be construed as amounting to an offer to enter into any transaction or investment whatsoever. The information on these Sites is provided by the Hong Kong branch of Bank of America, N.A., and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of this Site is with the Hong Kong branch of Bank of America, N.A.

  • FOR RESIDENTS OF IRELAND:

    Access to the Sites is by invitation only to professional investors.

  • FOR RESIDENTS OF ITALY:

    Access to the Sites is by invitation only to professional investors as defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.

  • FOR RESIDENTS OF JAPAN:

    Access to the Sites is by invitation only to financial institutions as defined under the Law Concerning Foreign Securities Firms.

  • FOR RESIDENTS OF KOREA:

    Access to the Sites is by invitation only to professional investors with a valid password. The information contained here does not constitute a public offering or distribution of securities in Korea.

  • FOR RESIDENTS OF NETHERLANDS:

    Access to the Sites is by invitation only to professional market parties as defined in the Dutch Securities Transactions Supervision Act 1995. Securities or other instruments on these Sites are only offered to professional market parties.

  • FOR RESIDENTS OF SINGAPORE:

    Access to the Sites is by invitation only to institutional investors. The information contained here does not constitute a public offering or distribution of securities in Singapore. The information in these Sites is provided by Bank of America Singapore Limited and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of these Sites is with Bank of America Singapore Limited.

LIMITATION OF LIABILITY

THE FOLLOWING LIMITATIONS OF LIABILITY IN THIS SECTION SHALL NOT APPLY TO VIOLATIONS OF LAWS RELATING TO THE OFFER AND SALE OF SECURITIES. YOU ACKNOWLEDGE THAT NEITHER Bank of America, ITS AFFILIATES NOR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS MAKES ANY WARRANTIES OR GUARANTEES WITH RESPECT TO THE SITES, INCLUDING WITHOUT LIMITATION, WARRANTIES REGARDING THE ACCURACY OR COMPLETENESS OF ANY CONTENT, OR WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, TITLE OR FITNESS FOR A PARTICULAR PURPOSE. Bank of America, ITS AFFILIATES AND SUCH PERSONS SHALL NOT BE LIABLE TO YOU FOR ANY LOSS, COST, DAMAGE OR OTHER INJURY, WHETHER IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE, ARISING OUT OF OR CAUSED IN WHOLE OR IN PART BY (I) CLIENT'S USE OF OR RELIANCE ON THE SITES, OR (II) Bank of America’s PERFORMANCE OF ITS OBLIGATIONS UNDER OR IN CONNECTION WITH THESE TERMS AND CONDITIONS. Bank of America DOES NOT REPRESENT, WARRANT OR GUARANTEE THAT THE SITES WILL BE FREE FROM ERRORS OR WILL BE AVAILABLE. FURTHERMORE, Bank of America WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THE SITES, OR FOR THE INCOMPATIBILITY BETWEEN THE SITES AND FILES AND THE USER'S BROWSER OR OTHER SITES ACCESSING PROGRAM. NOR WILL Bank of America BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND THE Bank of America’s CONTROL. IN NO EVENT WILL Bank of America, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR OTHER SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY PUNITIVE, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

Because some states or jurisdictions do not allow the exclusion or limitation of liability for certain damages, in such states or jurisdictions, the liability of the Bank of America, its officers, directors, employees, agents, contractors or other suppliers shall be limited in accordance with this agreement to the extent permitted by law.

Neither Bank of America, its Affiliates nor any of their officers, directors, employees, agents, contractors or other suppliers shall be liable in any way, and you agree to indemnify and hold harmless Bank of America, its Affiliates and such persons for (1) any inaccuracy, error, or delay in, or omission of (a) any information on the Sites, or (b) the transmission or delivery of any information on the Sites; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of use of the Sites due either to any negligent act or omission by Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers or to any "force majeure" (i.e., flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the control of the Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers. You understand that Bank of America accepts no responsibility for security of information on the Internet.

UK CONDITIONS

Banc of America Securities Limited has approved the Sites for the purpose of Section 57 of the Financial Services Act of 1986. Banc of America Securities Limited is regulated for the conduct of investment business in the United Kingdom by the Securities and Futures Authority Limited. No access to the Sites shall be given in the United Kingdom to Private Customers, as that term is defined under the rules of The Securities and Futures Authority Limited; and any investments will not be made by us to any Private Customer.

CHANGES TO AGREEMENT

Bank of America may make changes to this Agreement at any time, without prior notice to you. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. You should view these Terms and Conditions often to stay informed of changes that may affect you.

GOVERNING LAW

This Agreement shall be governed by and construed under the law of the State of New York and the Federal law of the United States. You hereby consent and submit to jurisdiction in the Federal or state courts of the State of New York, U.S.A. You hereby irrevocably waive your rights to a jury trial.

THIRD-PARTY LICENSORS

The Sites may, from time to time, provide Client with various licensed programs ("Licensed Programs") from third-party vendors ("Vendors") which have been licensed by Bank of America for Client use and/or which require Client to sign a third-party license agreement ("License Agreement"). In using the Licensed Programs, Client agrees that it will

  • protect any confidential information of Bank of America, its Affiliates or Vendors contained in the Licensed Programs;
  • restrict the use of the Licensed Programs by Client solely to conditions agreed upon in the Agreement and the License Agreement;
  • restrict the copying of Licensed Programs to that number reasonably required for Client use and backup purposes
  • include Bank of America and Vendor copyright and all other proprietary notices in the use of all Licensed Programs;
  • prohibit the sale, relicensing, leasing, rental, lending and transferring of Licensed Programs;
  • prohibit, and take reasonable measures to prevent, the decompiling, disassembly, reverse engineering or modification of Licensed Programs;
  • comply with all export laws in respect of Licensed programs;
  • disclaim any liability on the part of Vendors for damages, liabilities, costs or expenses incurred by Client in the use of License Programs; and
  • make all vendors a third-party beneficiary of all Client waivers, disclaimers, limitation of liabilities, confidentiality and IP provisions contained in the Agreement.

BOFA SECURITIES, INC. – FURTHER INFORMATION

"Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., all of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp are registered as futures commission merchants with the CFTC and are members of the NFA. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.

© 2020 Bank of America Corporation.

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